BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-03
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I sent {$100.00} to XXXX XXXX. He ever received it. I checked and the money was sent to XXXX XXXX as XXXX XXXX. The money went to her. I tried to contact her to send it back. No answer. I filed a dispute with Chime Bank. After 2 weeks they said the case was closed, no error. The money was sent in error. I should get a refund. I filed a timely dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a complaint in XX/XX/XXXX regarding a collection for XXXX XXXX XXXX XXXX in the amount of {$830.00}. The account was originally with XXXX XXXX. I asked that proof be sent to me proving this account was opened by me and a signed contract with my signature because I did not open this account. After 15 days, XXXX XXXX XXXX recalled the account and it was deleted from all credit bureaus but now I see that that same account was given to XXXX XXXX and their trying to collect again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX, Acct # XXXX amount XXXX XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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 fraud alerts or security freezes

Complaint:
Went to unfreeze my credit report with Transunion in order to process a refinance on the house. Was unable to do so via the webpage, which directed me to call customer support. Called customer support, and after 35 minutes on hold was told that my account was being looked at by the fraud department, and only they could unfreeze it. But, they were not at work. It's 1:30 pm EST on a Friday. They won't be back until next monday. This is a XXXX XXXXXXXX XXXX XXXX. Unacceptable that they can not perform their function during a normal business day, pandemic or not.

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 2018-02-01
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: Information belongs to someone else

Complaint:
Fraudulent hard inquiries appear on my credit report. I have tried disputing them and have had no success. Please have the three credit bureaus, XXXX, Equifax, and XXXX remove the following hard inquiries from my credit report : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX My personal identity was stolen and i did not make these requests. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-05
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check for {$2500.00} via mobile banking at KeyBank. Before clicking to confirm the deposit a window came up and said any funds deposited would not be available until Saturday XX/XX/XXXX at XXXX XXXX and asked if I still wanted to proceed with the transaction. I clicked ok and finished the transaction. Saturday XX/XX/XXXX at XXXX XXXX  I tried to pay a bill online and my card was declined. I called customer service and found out they had put another hold on my account until XX/XX/XXXX. They would not take the hold off and they would not cancel my deposit. Had I known this was going to happen I never would have deposited the check there. They lied to me and it has completely destroyed me. I had a work deadline to meet and was counting on that money to finish. Now I have missed the deadline which has cost me thousands. How can this bank tell me one thing and do a complete other? It's ok for them to lie?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, 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 information incorrect

Complaint:
Despite my previous written requests, unverified items still remain on my credit report in violation of Federal Law. They stated previous responses to my other dispute letters that they have verified some items as accurate but failed to provide me with copies of the documents that they used to verify these accounts as per my request. their failure to provide me with the proof of the disputed accounts is evidence that they can not and did not verify any of the disputed accounts as they say they do. Their failure to delete the disputed accounts that can't be verified after my written requests is also evidence of their willful disregard of Federal Law. I ask again that these items be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was a victim of fraud and because I was I did all I could to request discovery. My requests were intentionally disregarded and now I have seveal collections on my account without sending me validity of debt or discovery Ic system account ( XXXX XXXX ) debt amount N/a XXXX ( XXXX XXXX ) owing {$720.00} XXXX ( XXXX ) owing {$1000.00} XXXX ( XXXX ) owing {$330.00} Stellar Rec ( XXXX ) owing {$1200.00} XXXX XXXX ) owing N/a

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX the lender and my attorney agreed to stall the foreclosure case for 60 days due to myself being in review with the loss mitigation department Mr. Cooper. On XX/XX/XXXX I was advised I was approved for a loan modification by XXXX ID XXXX. I was told the loan modification paperwork was to be mailed and I would receive it in 7 - 10 days. On XX/XX/XXXX I also received an email that I have copied and pasted in an attachment to this complaint. I then made the payment for XXXX and XXXX with no problem. During this time I still had not received the modification. On XX/XX/XXXX I spoke to XXXX ID XXXX and she said she would fax the modification. On XX/XX/XXXX I spoke to XXXX ID XXXX and was told she would email me the modification. On XX/XX/XXXX I spoke to XXXX ID XXXX and was advised that the XXXX and XXXX payments had been received and applied properly. On XX/XX/XXXX I spoke to XXXX ID XXXX and I was told the modification was denied on XX/XX/XXXX due to me not signing the trial plan. Please note that I had still not received the trial plan and it was only emailed on XX/XX/XXXX. The email that I received said that I must sign or call or make the first payment. I printed and signed the email and faxed it to the bank. I verbally accepted via telephone and I made the payment. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to Transunion on XXXX disputing an account that was reporting in error. The account name is XXXX XXXX that is reporting errors on various platforms and TransUnion is reporting the information and has refused to fix the error. The errors are as follows : 1 ) It is reporting in collections 2 ) It is also reporting as past due 3 ) It is also reporting that payments are being made These inaccuracies are causing me financial harm I requested an investigation and they did not remove the account as requested due to the multitude of inaccuracies across various reporting platforms that they supply information to.

They are in violation of The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. They have failed to protect the integrity and privacy of my credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in my credit report and has failed to provide me with remedies if a credit reporting agency or information furnisher violates my 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 2021-09-03
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I have written Citibank twice. They say that they have reported correctly, however it appears they misunderstand what the actual problem is. I do not dispute late payments prior to XX/XX/XXXX. They acknowledge correctly that my last payment Was for {$2700.00} back in XXXX of XXXX and that there is currently a XXXX balance. The account was closed at that time and there has been no activity on it. However around XXXX of XXXX all of a sudden they begin to report that there were late payments for several months in XXXX and XXXX. How could this be since my last payment was in XX/XX/XXXX and the balance is still at XXXX? They consistently do not respond to my inquiries regarding specific information of balances and proof of any late payments in XXXX or XXXX. This is because they have no such information because that account has been closed for the last 4 years. Apparently there is an error somewhere either on their end or perhaps a credit bureau has some mix up of accounts but this matter has negatively affected my ability to get a conventional mortgage loan. Please Have someone to trace details and source of any such balances or late payments in XXXX and XXXX to find out the source of the error ; and as I'm certain that no information can be found, I requested that those erroneous entries be removed from my record so that it shows that there was absolutely no activity for that account since it was closed back in XX/XX/XXXX. Your assistance would be very very much appreciated.

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 2022-01-05
Company: Experian Information Solutions 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 XXXX Inquiry : XXXX XXXX, 2020 Unauthrized Inquiry on my 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 2020-05-08
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2021-10-09
Company: Experian Information Solutions 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:
I sent multiple disputes through the mail and submitted a complaint thru this portal about a month ago and NOTHING HAS CHANGED WITH THE UPDATE EXPERIAN HAS SENT. Experian said they updated the dispute but absolutely nothing got removed, changed, nor updated. Literally stayed the same. I have sent multiple letters, submitted a complaint, If the next step is to take legal action using the FTC acts for reporting INACCURATE INFORMATION ON MY CREDIT REPORT, I WILL! I do not mind spending money and time on this incorrect information. I have kept a paper trail of everything I have sent off with certified mail and a copy of the letters. 

A collection is by default past due, DELETE account for inaccurate reporting. 
Collection is reporting with 2 different dates of last activity. REMOVE for inaccurate reporting on my file.

Collection is reporting with 2 different dates of last activity. REMOVE for inaccurate reporting on my file.

Collection is reporting with 2 different dates of last reported. REMOVE for inaccurate reporting on my file.

Collection is reporting with 2 different dates of last payment. REMOVE for inaccurate reporting on my file. 
If this is the same account being reported by the same source why is this data different? Delete account for inaccurate reporting.

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 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
EVERY ACCOUNT THAT IS LISTED HAS BLANK OR MISSING INFORMATION. I CANT DISPUTE WHAT I CAN NOT SEE. THE CREDIT REPORTING COMPANIES ARE ALLOWING THE CREDIT REPORTERS TO REPORT MISSING INFORMATION OR COMPLETELY BLANK LINES. EVERY BLANK SHOULD BE FILLED OUT OR STATE NOT APPLICABLE. THIS IS RIDICULOUS. IF THE REPORTERS ARE NOT GOING TO ADHERE TO A SIMPLE STANDARD OF COMPLETE INFORMATION THE THE INCOMPLETE INFORMATION SHOULD NOT BE ACCEPTED. ALL MY ACCOUNTS ARE MISSING THE CRUSAL INFORMATION OF OPEN OR CLOSED. THE XXXX XXXX ACCOUNT DOES NOT STATE OPEN OR CLOSED THE ACCOUNT IS BLANK. THAT SHOULD BE EASY TO FIX

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 2020-05-08
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I'm having a hard time still. I've been temporarily laid off sue to the Covid 19 pandemic. I cant pay my loan right now. I still haven't even been approved for unemployment as of yet. I spoke with someone today and she basically said that someone has to pay it and wouldn't even give me the option for forbearance of any kind. I'm so sick and tired of the rudeness and harassment from this company. I've filed several of these complaints and nothing seems to change. Navient is a horrible company and they bully people. I cant give them money I dont have right now. Period. Oh, and stop harassing my parents too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Total loss on the vehicle XX/XX/XXXX. Process getting loan paid in full was completed on XX/XX/XXXX. The account has a {$610.00} overage because we kept making payments from the time of the accident to the closing of the account. TD Autofinance indicates overage are returned within 30 days of closing the account. As of today ( XXXX ) we have not received a refund. We have contacted TD Autofinance several times by email and phone ; they either promise to take care or just reply with some scripted answer that got nothing to do with the refund. On XX/XX/XXXX we spoke with them on the phone ; they said " your check was mailed already on XX/XX/XXXX, you should be about to get it ''. However, on XX/XX/XXXX they reply to an email sent prior to the call ; it indicated account was being sent to their cashier department for them to issue a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Southern Auto Finance Co
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 have disputed Safco ( account # XXXX, XXXX ) several times. The company would remove the account for months even up to a year then it would reappear. I took the necessary steps that customer service instructed me to do, which were to obtain a police report. The documents that I uploaded are the same documents that I sent to Safco when the company were removing the account ( I only updated ftc ). I contacted police station and was told to get report where I initially discovered the account. I even took an extra step and got a FTC affidavit per law enforcement. I submitted and again, company would remove for awhile and then it would reappear. 

I don't know what XXXX XXXX XXXX XXXX is. I've reached out directly to this company. I have two unauthorized inquiries ( XX/XX/2018, XX/XX/2018 ) Those unauthorized inquiries have been illegally pulled and thus should not be on my report as they weren't authorized by myself, any person ( s ) or company on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
we fell behind on our mortgage due to covid-19. we have tried to work out a resolution with Midland Mortgage our mortgage servicer and there has been no response. The mortgage company have not responded to the Borrower assistance package we sent detailing our hardship. We have sent in the borrower assistance package numerous time including the most recent submission on XX/XX/2021 notifying Midland mortgage the reasons of our default being the pandemic

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 2018-03-13
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Gc Services Limited Partnership calls almost daily and leaves an automated message on my professional email address. They state they are a debt collection agnecy and would like me to reurn the call. I have not received a voice message on my phone. I have not received anything in writing. 

I refuse to call this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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