BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XX/XX/2016, I filed a 609 dispute letter with Experian via certified return receipt mail disputing the following items : XXXX Re : Acct # XXXX XXXX Re : Acct # XXXX XXXX XXXX XXXX ( XXXX ) Re : Acct # XXXX XXXX XXXX XXXX ( XXXX ) Re : Acct # XXXX I received a response dated XX/XX/2016 Re : Report # XXXX, stating that these items have been verified and will NOT be re-investigated. Despite my previous XXXX written requests, the above mentioned disputed accounts, these unverified items still remain on my Credit report with several inaccuracies between the XXXX bureaus. Experian has ignored my requests to provide me with copies of the documents that were used to verify the above mentioned items. Experian 's failure to delete these disputed accounts is evidence that they can not and did not verify any of the disputed accounts as they have stated they have, and is also evidence of their willful disregard of Federal Law. Experian has clearly parroted information provided to them by other sources and shifted the burden back to me to contact the original Creditors which is clearly a violation of Section 1681 ( a ) ( 4 ).

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 2017-03-16
Company: Byrider Franchising, LLC
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In reference to CNAC-TX XXXX # XXXX account. 
Check issued : XX/XX/2017 for {$2100.00} as paid in full. 

To Collection Manager : This letter is to inform you that the validity of this debt is disputed. As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I am willing to pay {$2100.00} which will be paid by XXXX XXXX in the form of a check. If you agree to delete this account from any and all credit reporting agencies XXXX XXXX will release funds as promise, and there will not be a stop payment on the check in the amount of {$2100.00}. Please do not quote to me that you are unable to do this, I am aware of both your rights as well as my own. We both know you are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. The purpose of this settlement is merely to have this item removed from all reporting agencies. We are both aware that paying this debt is no benefit to me unless we can agree on the terms. I am sure you are aware that paying a collection account does not bode well on a credit report and that merely having a collection on a credit report will have a negative impact whether paid or unpaid. 

If you agree to the terms and accept this agreement, XXXX XXXX will release funds as promised only if in exchange for it, you are agreeing to the terms set forth in this agreement and will be deleting this account from all reporting agencies ( XXXX, XXXX, XXXX ). This debt will be considered satisfied, there will be nothing more owed, nothing further to collect, and you will consider this a closed, satisfied account. Again, ALL references regarding this account must be deleted from ALL reporting agencies. Since certified funds will be used for payment, ALL information about this account WILL be removed from all reporting agencies within 15 calendar days of receiving the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Chime Financial Inc
State: AR
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:
Back in the summer my chime card was used for a few transactions that I have verified with XXXX and the hotel are all card not present transactions. I opened a dispute with chime in which they denied the dispute because the thief didnt check the balance and because I had money come in during this time period. I made an FTC complaint and on XX/XX/XXXX they reopened the dispute.. which as of today they are still working on i am out over XXXX while they leave it in an indefinitely pending status. I have tried multiple times to contact them regarding this and literally get ignored. One of the transactions is a hotel in OHIO I uploaded a WHOLE TIMESHEET showing at the time of the transaction I was in Arkansas presently working so I could not possibly have made a purchase in freaking ohio like I said before i called the hotel and XXXX and confirmed none of the transactions were in person so obvious fraud. 

See attached screenshots and documents I have more if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX inquires on my credit report that does belong to me XXXX from XXXX XXXX XXXX from XXXX XXXX and XXXX from XXXX I have letters from XXXX XXXX and XXXX XXXX to remove the inquires and XXXX said they sent letter to bureaus over the phone to remove over 60 days ago Equifax acts like nothing has been sent even though my self have uploaded the documents and faxed them over. Need these removed for Equifax and XXXX Which has the XXXX XXXX and a XXXX which like XXXX said they sent over to credit bureaus over 60 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cosigned a lease for my son. After he moved out of the apartment with the appropriate notice the the apartments kept billing us ( through a shell company ) for common electric, pest control and garbage collection. I wrote them several times and even sent copies of my canceled checks from my bank but they continued to bill me then put a negative mark on my credit. The apartments are XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. The shell company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I repeatedly asked for an accounting of my payments and their billing but never got a response. Also there is no way to contact this shell company except through mail as they do not have a phone number published.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed amount owed. This account in closed and turned over to collections/ charged off but balanced owed increases weekly. Originally dated of dispute is XXXX/XXXX/17. Company has failed to respond within 30 days and has yet to remove account from credit report. Also said company is scheduled to garnish federal refund. This is account is closed and in collections/charged off, balance increases weekly, and set to offset federal refund for amount other than what 's reported on credit report also has failed to respond to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple calls every day even though I advised them that I am not going to provide personal information over the phone because I do not even know who they are. They keep trying to verify my address and date of birth. I get numerous calls back to back. All hours of the day, while I 'm working, on weekends, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am a XXXX year old widow. I had to do a hardship bankruptcy in 2011 because I could not keep up with payments after my husband 's death. The credit reports say that I had a serious delinquency and or collections. I have NEVER been late with any payments even through the bankruptcy. I did n't want to do the bankruptcy and did everything I could to avoid it. What can I do to correct the serious delinquency charges on my credit reports?

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 2021-02-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/21 I activated my Citi doublecash card and added it to my XXXX XXXX. I then was not able to verify the card and was told to call Citi. I waited a few days ( now its XXXX ) and I was told they are not able to verify my identity by any means except paper pin code. Now I have a fraud alert on my card and cant use it til I get this letter in the mail. The reps on the phones are the worst and dont offer any assistance except to say " Wait for the letter in the mail ''

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 2021-02-07
Company: JPMORGAN CHASE & CO.
State: IL
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:
Chase allegedly deposited a " Government Stimulus Chase 30 day Overdraft Assistance Credit, '' without notice or a promissory to repay. 
My stimulus money and paycheck both were deposited XX/XX/XXXX, and Chase allegedly still processed this " credit '' to my account the XXXX. 
I received a letter XX/XX/2021 dated XX/XX/2021 notifying me about the " credit '' and that it would be debited on XX/XX/2021. 
Problem is- Chase reorders transactions and adjusts account balances so the " credit '' wasn't initially visible to me on the date it is now published. I had no change to my account balance and to date can not tell if the funds were ever received. 
There's a process banks can do that " hold '' funds. The transaction appears listed in real-time, yet isn't real and can be released back into the account or to the " holder '' by a given date or authorization ... .In my case Chase is the holder- I didn't ask for or need this " credit, '' and now they are about to debit over {$1600.00} from my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-10
Company: Pacific Union Financial, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job, so I immediately call Pacific Union Mortgage to ask for a payment deferral. It took them a month, but granted me 3 months with a payment of {$5.00} each month. When the first money payment of {$5.00} was due, I went online as I always had and they took off my online payment option. I sent them several emails asking them to fix this problem I finally gave up and sent in a check for {$15.00} ( 3 months ). After several months now, I call to find out why my credit score went from XXXX to XXXX, they said my payment deferral agreement is now void since my {$5.00} payment was late. I had to take a job in XXXX and almost was not able to even rent a house to go back to work because of them. I had to pull money from my XXXX to pay the extra deposit the landlord wanted. I called and told the woman on the phone to get a supervisor to call me to fix this problem since a late payment of {$5.00} is completely ridiculous to void my agreement. My payments were always on time since I obtained the loan with them. They almost want to destroy my credit when I was only unemployed for 5 months. I am a XXXX XXXX and have n't made less than {$XXXX} a year salary in years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we closed on a refinancing with Eagle Bank for our single family home in XXXX MD. 

On XX/XX/XXXX we were informed that our loan had been sold to US Bank. The effective date of US Bank to start receiving payments was XX/XX/XXXX. Our loan number is XXXX. 

On XX/XX/XXXX I was informed by email that USBank had disbursed {$1900.00} to XXXX XXXX for an insurance premium payout. 

Unfortunately, we do not have our homeowner 's insurance with XXXX XXXX. We have our insurance with XXXX 's and this payment was made by Eagle Bank on XX/XX/XXXX. 

In speaking with the poorly trained customer service department, I was informed that US Bank made a payment for the premium for the Master insurance policy for the Condo.

This property is not a Condominium, it is a single family home which could be easily checked by using XXXX or perhaps just reading the documents. 

Even if this was a condo, what Condo owner pays the premium for the Master Insurance Policy for the Association? The only premium a Condo owner would pay is for an HO6 policy.

The rep then asked me if my policy covered walls in or just the outside. Again, this is a single family home so this question shows a poor understanding of what is in a Condo policy vs a single family home policy. 

The rep found that my paperwork was processed incorrectly designating it as a Condo. Why that happened and what possessed anyone to send a payment for a premium for a Master policy when you aren't even processing my payments yet for the mortgage is unbelievable. 

We are very disturbed that you would send funds out of our account when you do not even have the account till XX/XX/XXXX. 

I spoke with a rep for US Bank on XX/XX/XXXX and was assured my paperwork would be updated and the funds returned to my account. 

On XX/XX/XXXX I received an email that US Bank has now sent another payment for homeowners insurance for {$1900.00} to XXXX XXXX. Still not our homeowners insurance policy. Called the bank on XXXX and they had no record of my request from XX/XX/XXXX. I asked for a lock on any more escor payments and that they had t get my authorization. They refused. I am now out {$3900.00} with no assurances when this money will be returned. I emailed XXXX XXXX XXXX XXXX at the Bank with no response. 

US Bank has shown us so far very sloppy handling of our account, our funds and very poorly trained workers. Not what you want to see when you handle our escrow for insurance and taxes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We recently got behind in our mortgage payments due to health reasons, We tired to work it out with DITECH, by sending them a payment..which 3 wks later they returned..Spoke to them on the phone they said they needed half amount due..so we sent XXXX OVER that amount..3 weeks later they returned that payment..tried speaking to the again, and they said SORRY going into foreclosure!! SCAM for sure..trying to get MORE monies out of us!! PLEASE HELP!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
transunion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been greatly affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquires be removed.

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 2021-02-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Stop messing up my credit with false credit checks

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 2021-02-07
Company: Oklahoma Student Loan Authority
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The news reported that Biden was considering forgiving XXXX in student loan debt, literally after the story hits the news, OSLA puts false information on my credit report as if some one is running up a bill in my name. Photo is attached of what my credit showed that they posted TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The XXXX credit agencies make it IMPOSSIBLE to get your free credit report. ALL their websites are confusing, and after you submit your forms they ALL give you an excuse about why they ca n't give you your report, and the excuse is ALWAYS wrong. 
PLEASE do something to make these XXXX companies COMPLY WITH THE LAW. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09
Company: ALLY FINANCIAL INC.
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I found out my vehicle was up for repo while trying to make a payment and called to take care of it. I made arrangements with a supervisor in the collections department and we came to an agreement on how to take care of the balance. He explained that the payment must be made via XXXX XXXX or XXXX, but I was at work so could not go to a location, which I explained to him. He then told me that there was a way to send it via money gram through the internet, so I told him that I could get access to a computer at work and I would send it by XXXX in my time zone at the latest. He told me that was ok and said to just call his direct line the next morning with the details of the payment. They repossessed the vehicle anyway at approximately XXXX, even after the arrangements were set. Instead of admitting fault, they wanted more money. As if as soon as they found out I was able to pay they figured they would take it and try to get more money out of me. Once I learned the car was taken I called the same supervisor since he provided me his direct number and said that the arrangements we made were no good. When I asked him why they would come take it even after we made arrangements and after he knew that i was sending the payment that night. He told me EVERYONE says they 're going to send their payment, as if I never planned to send the payment. The thing is, the whole reason I found out that it was put in to repo status was because I was trying to pay a payment, which I made very clear to multiple people that I spoke with.

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 2015-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a ZERO balance with XXXX Now. My credit report show a balance of {$4500.00}. My balance is zero. I filed a balance dispute with Transunion on XXXX, 2015 the on XXXX the results were : Verified/ No Change. I do n't believe my dispute was investigated because I do n't owe this company {$4500.00}. Transunion is n't reporting the correct information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Southern Management Systems 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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: ALLY FINANCIAL INC.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I called to put a simple travel notice on my account and ended up being placed on hold XXXX different times and ultimately having my account locked when I leave for vacation tonight. Ally will not transfer or release any funds until their fraud team calls me back in XXXX hours- which I wo n't be able to accept as I will be abroadXXXX took XXXX mins to offer this service to ensure I can get access to my own money. Ally abused it 's power to hold my money and inflicted great personal harm on me with this delay and lack of access to my funds.

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 2016-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been a victim of the Transunion computer glitch that they reinserted inquiries. I tried to call them to remove the reinserted inquiries on the phone but the representative was n't interested in helping me on this. 

the following inquires i think were reinserted XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016

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