BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$86.00} are reporting on my personal credit file with ( Equifax/XXXX/XXXX  XXXX credit reporting agency . These inaccurate addresses and account were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Remitly, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX o had transferred an amount of {$2100.00} to an account in XXXX through REMITLY transfer no. XXXX XXXX XXXX XXXX. After deducting the amount from my card they started asking for ID proof.. .I had send them their passport.. But still they want an ID that had my US address.. I work on a ship and don't have a permanent address in the United States... Then they asked me for my cruise ship ID.. .I sent them a letter on the company letterhead stating that I work with XXXX XXXX lines and also MY landing Permit that is the XXXX... .I wrote them that these are the only IDs I can provide them with so either cancel the transaction and return my amount or transfer instantly... Now REMITLY is not replying to my mails and not even transferring my money.. My money is stuck with them since a day.. I had to pay someone that amount and now because my money is stuck I had to pay the person 10 % interest per day untill I payback the amount. 
Kindly look into the matter and get it resolved asap. And also get REMITLY to pay the interest which I am bearing because of them. 
Thankyou.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: MIDFIRST BANK
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXXXXXX XXXX reported me 30 days late, even the the loan was paid off on XX/XX/XXXX. I had spoken to them in early XXXX and was told that, as long as the payment was sent on XX/XX/XXXX, it would not be late. I knew the home was closing and would be paid in full. Despite what they told me, they have reported me late to the bureaus, but NOT reported the loan as being paid. This is ruining my credit and my ability to get another mortgage. XXXX XXXX payments were ALWAYS on time. I spoke to XXXX on XX/XX/XXXX and asked for a supervisor 6 times. She would not allow me to speak with one. XXXX XXXX needs to contact the credit bureaus and remove the late payment, and also report this loan as paid in full.

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 2021-03-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Ussa Bank has been holding funds in our account for over 5 mnts. Someone scammed my son and deposited a check that the account was closed. We talk to Ussa stated that my son got scammed and that there were no more pending deposits. they then stated that they would old money in the account in the amount of XXXX until they can ensure that no more transactions need to be covered. It has been well over 5 mnt with not other transaction in or out of the account and they will not release the money and close the account out. I have talked to them many times they would not let me speak to the review department. and they will not let me know when the money will be released. they stated they do not know and can not tell when my money will be released. Account Number XXXX Name on account XXXX XXXX and XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report on Experian in XX/XX/XXXX and found a collection from XXXX XXXX XXXX XXXX for {$320.00}. However i paid that original bill of {$280.00} in full to XXXX XXXX XXXX on XX/XX/XXXX. 

I opened a dispute on Experian 's web site and uploaded proof of the payment, but it was not removed from my credit report. I called the phone number listed on XXXX XXXX. XXXX XXXX XXXX web site for their billing service and they told me they no longer bill for them and to call XXXX XXXX. XXXX XXXX XXXX directly. 

XXXX XXXX. XXXX XXXX XXXX gave me the number of XXXX ( their previous biller ), but XXXX told me to speak to XXXX XXXX. XXXX XXXX XXXX and neither of them can find my account as I'm told the billing companies switched in XXXX. 

Experian 's web site says I can add a comment to this collection explaining my side of the story but there is not a way to actually do that! I spoke to someone on the phone at Experian who was not helpful in resolving this matter, and so I saw the option to contact the CFPB for further assistance. 

Sincerely, 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 2021-05-06
Company: Mid-America Accounts Control Bureau, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A collector named XXXX XXXX has contacted me during the hours I sleep for work after asking her not to. I work night shift. She has also contacted my husband 2-3 times at his place of employment. I have asked her to stop and so has he. She however continues with phonecalls and does not identify herself when calling and will not leave a message.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, I would like to ask you to take actions and remove fake items from my credit report. That's crazy what I have there. I do not know these inquiries and I have never dealt with these companies. I have never gave anybody any permission for these items. They damaged my score. What is that? WHY?

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 2022-02-11
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.

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 2019-03-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I submitted my mortgage payment online and it was deemed " effective '' on that same day. The monthly statement states that payments must be made before the XX/XX/XXXX of each month or late payment penalties would apply. The company did not process the payment until 3 or 4 days later and proceeded to send a threatening letter on XX/XX/2019 stating our loan was " delinquent '' and that our loan was presently in " Default '' despite the digital portal used to make the payment stating our effective date was on XX/XX/2019. This happened almost identically in XXXX and I called the company and stated I didn't want this threatening letter sent, that also threatens a negative credit report sent to credit reporting agencies, when the system I used is digital and the payment date should be readily available for them to determine that threatening delquincy and negative credit reporting is unfounded in this situation. Moreover, this company does not practice as a typical mortgage company. Their practices are more aligned with that of a collections agency even to the point of attaching a notice stating they are " a Debt Collector ''. We have never missed a mortgage payment and due to the terms of our employment and how we are paid by said employment, this is how we have to make payments at this time. I do not appreciate these threatening letters and I do not deserve to be treated as though we're not paying our mortgage. I want my mortgage sold to a proper mortgage company and not held by this falsely labelled Debt Collections Agency. I should not have to pay for a refinance to have this company removed from my loan for their dishonest practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In the early quarter of XXXX, I had fell behind on some payments and XXXX  sent me a demand for payment. 

During the month of XX/XX/XXXX, I paid a total of {$7900.00} to take care of the outstanding balance and become current. 

A month later, on or about XX/XX/XXXX, XXXX wrongfully repossessed my car. This was an error because I was current and had been current for the entire month before. 

After demanding my vehicle back, XXXX returned my vehicle but had charged me for their mistake in repossessing my vehicle. On XX/XX/XXXX, they had charged me a {$850.00} fee for the return of the vehicle that they had mistakenly repossessed. 

Not only have they charged me for this mistake but they have also continued to report my car in repossession status even though I have the car even a year later and is still current on my payments. 

I have repeatedly called and sent e-mails to remedy this issue, however, they have failed to fix it on my credit report. I have not been able to purchase a home due to the repossession being on my credit report. Because of this, I have undergone a failed closing. Also, it has been substantially harder to rent because of this false reporting. 

To prove what I am saying, I have attached a copy of the false reporting that says " repossession '' status on my credit report. Also, I have attached a copy of the printout from XXXX where it clearly indicates that my next payment isn't due until 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 2019-03-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent out a certified letter to Experian last month requesting verifiable proof ( an original consumer contract with my signature on it ) for a few accounts listed. I received the results of my dispute report yesterday with no proof at all stating its verified. These accounts/creditors have reported on my Experian report and have also failed to provide any documentation as well. I would like for this matter to be resolved as soon as possible.

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 2017-06-26
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:
Experian and XXXX are reporting a Chapter XXXX Bankruptcy on my report, I request an investigation because I had not filed for Bankruptcy. XXXX answered back that it was verified, by a 3rd party vendor XXXX. I reached out to them to find they report whats in public records and it is the responsibility of XXXX to match the information to the Social Security number see letter attached. Whats worse is Bankruptcy are not recorded in XXXX XXXX County Public Records. Experian did the same thing allthough they never gave me as requested the name address and phone number of the parties reporting the Chapter XXXX to them. In my last correspondence with XXXX and Experian i sent them a copy of a Bankruptcy search for records form that showed i had not filed Bankruptcy see attached. They just ignored the Bankruptcy Clerks findings and continued to report the Chapter 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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$86.00} ; XXXXL Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX are reporting on my personal credit file with ( XXXX/XXXX/TransUnion ) credit reporting agency. These inaccurate addresses, accounts and inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.

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 2020-11-04
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2020, I applied for a Amazon Prime Card, I read through the fine print of the disclosures to see who would be the issuing card bank before I applied. It said XXXX XXXX. I applied because Amazon Prime stated the card was issued by XXXX XXXX. I got a response from JP Morgan Chase Bank, denying my request for credit. I already have a card from XXXX XXXX, so I knew that I could easily get more credit through that bank. If anywhere on the terms and conditions listed JP Morgan Chase, I would never have consented to them making a hard inquiry on my credit because I already know that JP Morgan Chase has a high probability to deny credit. Futhermore, I did not have any hard inquiries on my credit report when I gave permission for XXXX XXXX ( so I thought ) to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Comerica
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
on XX/XX/2018 my SSI loaded XXXX debitcard issued by XXXX XXXX bank [ in XXXX XXXX tx. ] ... was defrauded of a {$700.00} withdrawl. 

after repeated attempts to report this i finally recieved, filled out and returned their " Questionaire of Fraud Report '' ... returned by mail.XX/XX/2018 [ to XXXX ] .... 

i have recieved no further communication of any kind ... 
today 's date is XX/XX/2018 enclosed are photos of the questionaire of fraud report ( Card number submitted in this complaint is old { cancelled } card number ) New card has been issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: VA
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I tried to refinance my home as I have a XXXX XXXX and want a G.I. loan. 
CFPB has done a great job of canceling loans I did not make. There were a few bad checks written on my old checking account which I am not on. 
I honestly do not know of any charges I owe that I do not pay. All of the three credit reporting companies have my credit rated in the low 600s. XXXX score of XXXX, Experian score of XXXX and XXXX XXXX score of XXXX. 
I can and do pay cash for everything I have except the home mortgage, I do have a good monthly payment for that loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: ME
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted XXXX XXXX  regarding a XXXX card that I paid off in XXXX of XXXX. Upon receiving a credit alert, I logged in to find that they reported my account delinquent with a XXXX and 60 day late payment. My first contact with them was XX/XX/XXXX. They said they would remove finance charges of roughly {$4.00} that I wasnt notified of after my final payment along with the delinquencies. I was only checking XXXX at the time. It took a couple more phone calls before this was successfully removed from XXXX. Several months later, I realized that it was not removed from XXXX and was dropping my score. I notified XXXX again believing it to be their issue. They stated that it was the credit bureau not fixing it. I logged a dispute with XXXX. The results stated they could not remove it as it was accurate. I called XXXX again. XXXX for roughly the 5th time assured me that I have no delinquency on their side and they will submit this to the credit bureau again. XX/XX/XXXX, XXXX drafted a letter stating that they couldnt remove anything as there was nothing left to remove. I logged in and saw there were still a 30 and 60 day late payment on XXXX. I called XXXX  AGAIN on XX/XX/XXXX to find out what I can do as I have now thoroughly disputed this error. They stated they would send to customer care. I received electronic communication a few days later with a link to a letter from XXXX stating that all delinquency from XXXX and XXXX of XXXX would be removed. I was leery of the dates as Im not sure whether those refer to the dates reported or the dates they have for the missed payments, but figured I would wait and see. Almost immediately I received an alert from XXXX that my account improved with a date reported of XX/XX/XXXX. I was thrilled. The next day, I saw I had an email from XXXX stating I had delinquency reported on the same account on XX/XX/XXXX. I am unable to determine whether XXXX has any fault in this, but the back to back alerts from XXXX leads me to believe they are interpreting the information incorrectly. Im mentally exhausted from trying to fix this. XXXX ASSURES me that this closed account has no delinquency and it was removed in XXXX of XXXX. Ive been fighting ever since to have my credit reports accurately reflect the type of borrower I am. I dont know what else I can do, but each phone call is followed by several weeks of wait and see leaving me with an inaccurate credit score that affects my worthiness as a borrower. Please help me. 

XXXX XXXX

Company response to consumer: Closed with explanation