BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: FB FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My household was impacted by XXXX, the forbearance period has ended but my financial hardship has not. My mortgage is currently past due. I contacted a HUD approved financial advisor and was advised of the CA Mortgage Assistance Program. I completed the CA Mortgage Assistance application on XX/XX/21, my application is on hold due to my Mortgage servicer not being a Program Participant. Applications can only remain on hold for 30 days. I notified my servicer First Bank and XXXX of this notice and requested their participation via telephone and website email. XXXX has failed to have a process in place that reviews current grants available to their mortgagees affected by XXXX. I have gotten transferred back and forth from the loss mitigation department and customer service with no resolution. I have been told that there is not a dept. or person that can assist me with my Mortgage Servicer becoming a participant. I am concerned that my application will be denied do to lack of participation from the Mortgage Servicer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sent {$2000.00} to my friend on XX/XX/19. My account was locked on XX/XX/19, stating suspicious activity in the account. I contacted Chase Customer Service on XX/XX/19 and I was told that they could do nothing over the phone and that I could walk into any branch and show 2 forms of identification to unlock the account. 

I went to the Chase XXXX XXXX branch on XX/XX/19, where they verified my 2 forms of identification and the name of my friend to whom I sent the money. I was told that my account was locked to ensure the money was sent to the correct person. The Chase branch banker called up Customer Care to notify that I showed them the 2 forms of ID and to unlock the account, but Customer Care said my friend 's name was not the name in the receiving bank account and that they think my account is compromised and my account can not be unlocked. My funds are now frozen and they refuse to close my account. 

I was told by the branch manager that I would not be able to open a new account with Chase and that I should come back in 2 days, for them to call Customer Care again to see if my funds could possibly be released and my account can be closed. 

The people at the branch were very understanding and apologetic about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
on last Sunday XX/XX/XXXX on the present i made a paypal account and use it for transaction on the next day and my buyer sent me the payment but unfortunately i cant withdraw nor convert the fund because the paypal says that my account us permanently limited which is so sad because the fund there is being stuck or hold i have no idea how can i get my fund. hoping you can help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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:
My address is XXXX XXXX XXXX XXXX XXXX, Georgia XXXX. 
XXXXXXXX XXXX  XXXX Acct # XXXX is A fraud account. 
Sent in paperwork to the bureau to prove it.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2022-01-21
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had a {$10.00} referal bonus from chime that is due to expire XX/XX/2022. As well as four chime friends sent me boost at {$5.00} per person due to expire on XX/XX/2022. I've met the requirements of recieving {$200.00} or more per month in direct deposit from my employer. I've spoke with customer service directly as well as sent several emails to XXXX to seek these perks being replaced and a explanation as to why they were even removed before they are due to expire. I was told it could be up to 48 hours for a response and it has been now 48 hours and I have yet to get a response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2018-04-19
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: Old information reappears or never goes away

Complaint:
Re : XXXX XXXX XXXX  Account : XXXX I have previously disputed the above referenced account twice and the item was deleted from the credit file on the subsequent credit report. However, now the item have reappeared on my credit report as of XX/XX/2018. This company is not license to collect in the state of Texas. Each time the account is removed then reinserted.

In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item.

FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a stat. ement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report if you would like to avoid me moving forward with my said 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 2017-07-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I ordered a statement form ChexSystems and it says that I have a balance with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX. Phone number XXXX. It states that a balance of {$660.00} is unpaid. My husband and I paid this off in XX/XX/XXXX. I would like to have this removed from ChexSystems. It is saying that is was reported on 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 2022-01-21
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter from my mortgage holder, Huntington National Bank, that I was delinquent on my mortgage by the amount of {$4800.00}. I called Huntington and informed them, I have made my mortgage payment of XXXX on time every month and could provide proof payment. They informed that in XXXX of XXXX, an escrow change was made and my payment had gone up {$380.00} and I had not made the correct payment and therefore, was behind. I explained that I had not received a notice of this change. The employee said he would look into it and call me back. Later that day, I called Huntington again, this time I was put on the phone with an employee named XXXX. XXXX refuses to give me his last name. XXXX has told me that Huntington has sent me notices and statements, I owe the balance of the escrow, late fees, but refuses to tell me if this has affected my wife and I'd credit. I asked XXXX if Huntington could prove they sent me the notices and statements to the correct address. He said he could not. I then drove to an actual physical location and spoke to XXXX XXXX XXXX : XXXX. I told him that I had not received any notices that my payment had changed and I would like to pay the difference, but since I never received a notice, I didn't think I should have to pay late fees and would like any negative reports to our credit removed. He looked in his system and said that Huntington was sending the statements to the wrong address. He said I would need to call Huntington and ask them to care of it because he couldn't do it there. I called Huntington on XX/XX/XXXX and was put back on with XXXX who reiterated that Huntington had sent all the statements to the address in their system ( it was changed by XXXX XXXX the previous day ), that I would have to make the payment as is, he would not remove the late fees, and I would need to handle the negative credit report on my own -- which has dropped XXXX points. On XX/XX/XXXX, I paid the amount Huntington had for my balance due, {$2400.00}, as stated on their website, in order to avoid anymore negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: SG and Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I CONTACTED THEM AND THEY TOLD ME THAT THE DEBT WAS MINE BUT THEY HAVE A DIFFERENT SOCIAL AND WRONG ADDRESS. THEY WERE THREATNING TO ARREST ME AND SAYING THAT THEY WERE CALLING FROM ATTORNEYS OFFICE THEY CALLED MY JOB- MY NEIGHBORS OLD FRIENDS FAMILY MEMBERS ETC. THIS NEEDS TO STOP

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 2022-01-21
Company: AXOS FINANCIAL, INC.
State: CA
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:
Hello, Today on XXXX i was alerted that there were XXXX hard inquiries on my credit report. i never authorized these inquiries and would like them to be removed from my credit report as soon as possible, thank you so much. 

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 explanation
Consumer complaint received 2022-01-21
Company: U.S. BANCORP
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ELAN FINANCIAL SERVICE Account Number : XXXX Date Opened : XX/XX/2017 Balance : 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 2023-07-19
Company: Experian Information Solutions 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:
It has been brought to my attention that the following accounts have been in my credit report without my express written permission as required as part of credit reporting act 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 explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Information was removed from my credit report by each bureau collectively suggesting that the items were unverifiable or erroneous, however ; the very same information has managed to reappear on my credit report without any reasonable measures or investigations taking place to prevent this from happening. I also have not received notice of the reinsertion which I believe to be a requirement of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: IL
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:
Six credit inquiries that need to be deleted. This is not a credit bureau. And they are reporting without consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2022, I applied for a credit line with XXXX. I completed the application and received a message that read : " We require additional information. '' With that, my browser crashed and I could not get back to that screen. I called and tried to get answers. Over 2 hours, I was disconnected 3x, transferred around, and given conflicting information. 

I wrote to the office of the president and never heard anything back until today. I received a voicemail from someone claiming to be XXXX. She left a phone number and an extension. After trying that number 3-4 times, I still could not get through. 

I called and spoke to a manager and she said there is no record of my application at all. When I asked her why I showed the inquiry but they don't have the application, she could not answer. She also said she could not tell me how to remove the inquiry. 

So after nearly 2 weeks and hours on the phone, I still have no idea what the status of my application is. They asked me to re-submit it but now, my credit score is lower due to their mishandling of the application.

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 2022-01-21
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: Their investigation did not fix an error on your report

Complaint:
I sent several factual disputes to Transunion, requesting that they investigate an account ( XXXX 's Acct # XXXX ) which continues to report inaccuracies. The inaccuracies I disputed were taken directly from the report Transunion provided me. 

Transunion did not investigate my disputes. Transunion sent me an " Investigation Results " letter without investigating the account for inaccuracies. They did not furnish me with proof of their investigation, because they never conducted one. Transunion did not disclose to me any methods used for investigations. 

This account, by law, was required to be deleted because of unverified information and incomplete information which was not updated. 

Transunion has committed the following violations against me. 

1. Failure to provide me with the information used to determine the result of their investigation. They have not provided me with any proof ( FCRA, Section 609 ) 2. Failure to properly investigate my credit file dispute ( FCRA, Section 611 ) 3. Maintaining inaccurate and incomplete information onto my credit file after investigation ( FCRA, Section 611 ) 4. Failure to consider all relevant information regarding my dispute ( FCRA, Section 611 5. Ignoring the treatment of inaccurate and unverifiable information ( FCRA, Section 611 )

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 2023-07-19
Company: Experian Information Solutions 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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2022-01-21
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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding an alleged INQUIRIES. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the INQUIRIES. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

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