BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am submitting this complaint in response to the recent investigation done by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX  XXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or remove these disputed items. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time the Bureaus are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless they notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).

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 2022-02-14
Company: Experian Information Solutions Inc.
State: AZ
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:
Choose according to account type. These can be combined 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 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 2022-02-14
Company: EQUIFAX, INC.
State: AZ
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:
Choose according to account type. These can be combined 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 2022-07-14
Company: Chime Financial Inc
State: NY
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:
On XXXX XXXX at XXXX while working with my Chime back card in my wallet. I began to get alerts from the Chime secure portal that my card was being used at an ATM. I went in and cancelled the card immediately and recieved a response that there would be no fund taken from my account. I called chime and made a report of this. The operator began to make notes of my issue and I was told that these charges will be taken off. The next few days I was hit with transaction fees and the fees for withdrawls from an out of network ATM. There was first 2 attempted charges from XXXX XXXX one for XXXX then XXXX and 3 miniutes later 2 attempted withdrawls from XXXX bank for XXXX. From using the protal I was garuneed to block all transaction yet when I went in to check my Chime account they had take the 2 attempts from XXXX and proccessed the fees. I immediately called Chime and they asked me to submit all my information. I submitted all this information that I have provided to you but Chime refused to take action however my charge dispute request was denied within 1hr. 
I asked to see the notes that were made on this so called investigation. At first they would not provide this information untill after 4 calls and speaking to many people I was emailed the notes on my account. CHIME lied and said there were no alerts, no warnings, nothing out of the usual and that these withdrawls look consistent to previous withdrawls. I bank with XXXX XXXX and have never been into a XXXX Bank. After finding out this lie I immediately went to check my end of the month statement. On XX/XX/XXXX I printed out my statement for the last month and there was 1 charge for XXXX but 2 transaction charges and my account was out of XXXX. A total of XXXX was taken from an ATM withing 4 minutes with 2 transaction at XXXX bank at XXXX which I was alerted to and assured there will be no withdrawls yet CHIME WILL NOT RETRUN MY MONEY. 
I made this known to CHIME they went in and changed my monthly summary to add these charges. I have the original prints and text of all these happenings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I sent a Certified Letter requesting documents showing this was my account. I am asking for them to please DELETE THIS ITEM FORM ALL THREE CREDIT BUREAUS. 
I was applying for a loan and the bank said a had to pay the above collection or I could not receive a loan. So I called them and they and requested Validation about this account and never received anything they just pay them half and they mark it as paid. I need them to provide me with documentation or remove this account from my credit report. 

ENHANCED RECOVERY COMPANY # XXXX XXXX XXXX XXXX  XXXX XXXX , FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/2018 Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION Original Amount : {$680.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I wrote a check to XXXX of XXXX XXXX for a down payment on a car. We agreed to date the check for XXXX XXXX, XXXX, and that is when they were going to cash the check. I checked my account today, and Chase posted the check yesterday, XXXX XXXX, XXXX. Today is XXXX XXXX, XXXX. 

I called to complain to Chase, and they wo n't do anything about it. Instead, they argue with me that the date holds no bearing on when a check can or can not be cashed. 

Luckily, another check cleared in my account, so my account did n't go negative, but that 's not how it works in the state of MI, and they refuse to acknowledge any error on their end. I was leaning on the money until the XXXX when I get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted two letters within the last 60 + days to TransUnion XXXX XXXX solutions for them to either remove the eviction they are reporting on my report or send me all the documents they have to verify it including ( lease agreement signed ) etc. The first letter I sent out, they returned a letter back within 30 days stating that it is verified never sending me verification of any sort. The second letter I sent to them certified so that I was able to track when they received it. By law they have 15 days to respond to my second request and I still havent heard anything. My second letter was mailed out XXXX XXXX and my tracker stated that they received it that following Saturday XX/XX/XXXX. They sent me a letter telling me they received my letter XX/XX/2022. It has been 15 business days since then. I am very dissatisfied with the way this company is reporting to my consumer report and how they are handling it by not verifying any info. I know my rights and I will not stop until this is removed from my 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 2017-09-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
chase has continuously checked my credit even after having called them and explaining that I do not want, nor have I ever, applied for credit with them. 
I have not applied for any credit in 2017, and Chase has run my report at least 3 times! None of which times were authorized or initiated by myself. 
I called the credit bureau and had place a freeze on my ss, but this has not stopped Chase from running my credit again at least twice after the fact. 
I want this ended, yet Chase continues to run my credit regardless of the freeze on my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home is under contract and due to close tomorrow XX/XX/22. The Mortgage Servicer has failed and refused to provide a Mortgage Payoff Amount to the Closing Agent, therefore holding up the Closing Process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On X/X/17, Transworld collection agency called a random contact from my cell phone. This contact was a friend who is in bed with XXXX. This debt was not valid and was waived supposedly by the original company. Should not have even reported in the first place. However, Transworld called multiple times a day on my phone and my husband 's phone. They used many different phone numbers, that were untraceable, and could not be called back. When I ask them about the friend that they use to track down, they said they used skip tracing, and will not transfer me to a supervisor or manager. This is illegal, and we were harassed for three months by Transworld.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-07-14
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 submitting a dispute for the credit bureau to look into a matter. There is a charge-off account that is not mine on my credit report from XXXX. Credit Bureau or the XXXX XXXX has the wrong account listed on my credit report. I have never been late on any electric company bill that I have ever had. I have proof of every payment made on time. When I contacted XXXX XXXX I was told that they dont see a charged off account owned by myself. However, the credit bureaus are saying they verified the account as accurate. I demand that this account belonging to someone else be removed immediately from my credit report ASAP.

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 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report Im a member of the XXXX  data breach & i have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items XXXX Report Number XXXX Transunion File Number:XXXX XXXX File Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX Account Number 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 2020-06-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called the servicer today and am on hold for over 30 minutes to answer 2 very easy questions. I received a loan modification several years ago. My questions was easy. I wanted to know what the FINAL RATE was based on my loan modification agreement and to please mail me a copy of this agreement.

It has been over 32 minutes and this representative can not answer my questions or find the agreement. 

Also, this lender has reported that I was late on my mortgage in XXXX and XX/XX/2019. I was never late on my mortgage. Never. This needs to be corrected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was included in 2 company breaches that Im aware of at this time. I have contacted XXXX XXXX and Equifax by mail and called information has been placed on my credit report Inaccurate addresses that are not mine I have no accounts with these addresses I have contacted one of the companies that placed a collection account on my report that was removed, however they refuse to remove the addresses that are not my current address, I have sent proof of my current address with a copy of my id and current utility bill. Please help I just want my current address updated as I am trying to clean up my credit report with current and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, 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 submitting a dispute for the credit bureau to look into a matter. There is a charge-off account that is not mine on my credit report from XXXX. Credit Bureau or the XXXX XXXX has the wrong account listed on my credit report. I have never been late on any XXXX XXXX bill that I have ever had. I have proof of every payment made on time. When I contacted XXXX XXXX I was told that they dont see a charged off account owned by myself. However, the credit bureaus are saying they verified the account as accurate. I demand that this account belonging to someone else be removed immediately from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had applied for a Total Rewards Visa Credit Card through Comenity Bank located in Ohio. I called and spoke to a representative over the weekend either Saturday, XX/XX/XXXXor Sunday, XX/XX/XXXX to find out more information about a balance transfer to another credit card. XXXX, the representative who I spoke with was not too knowledgeable about providing me the accurate information and, although I started with applying for the balance transfer I requested that he wouldnt put it through until I confirmed the mailing address for my credit card company. I thought he understood what I said and that he was not going to process the transfer. However, when I checked my Total Rewards Credit Card account over the weekend I found that my account was charged. I called and spoke to another representative, XXXX, who spoke very quickly and she said that she was going to send an e-mail that if the balance transfer did go through to ensure it was sent to the mailing address I provided for my credit card company. Apparently, if she would have read the notes she would have found that XXXX sent it over to the Balance Transfer Department to cancel the request.
This morning ( XX/XX/XXXX) I called and requested to speak to a supervisor and I got connected to a very rude woman, named XXXX, who was allegedly a resolution specialist. She said that they would not be able to provide any further information for at least ten ( 10 ) days as to what the status is of the balance transfer. This is ludicrous because it is my responsibility to pay my other credit card and right now I am in limbo as to what I should pay since I do not know if and when the balance transfer is going to be applied to my credit card.
I want to escalate this complaint to someone at Comenity that is knowledgeable and cares about their customers.
I would like to know what kind of people Comenity employs that are dealing with other peoples monies? I am the innocent customer who now has to deal with the mistakes they have made at Comenity, which is certainly unfair and unacceptable to say the least.
I also have filed a complaint with the BBB of Ohio and am still in limbo as to the status of the balance transfer which should have been cancelled but, to my knowledge, is still showing as a pending charge on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2021-08-28
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
All 3 are federal loans {$2.00}, XXXX {$3.00}, XXXX {$7.00}, XXXX This is from XXXX XXXX XXXX, this school maked out my loans themselves ( fraudulent ) and they have been notified about this several times and will not work with me even over the pandemic. 
XXXX has had several issues with money, loans etc to the point some schools got shut down. The admissions representatives were being asked to hide documents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Grain Technology, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The dates above, Are all dates I have contacted this company. 
I asked them to fix my account and change my email address, so I could connect to my account and withdraw my deposit to close my account. 
Then after via email communication over a month later after initial contact I was told it was fixed. And that I could log in with the new email and connect to my bank account to withdraw my deposit and it still doesnt work. This company is fraudulent. Its not a number available to consumers to call to speak with customer service. Everything is done via email and most days you get a return reply over a week or month later that doesnt resolve the issue. This company replies to me, not in a timely fashion but does reply to me at the new email but hasnt changed it to the new email within the app so I can withdraw my money and close the account.

Company response to consumer: Closed with explanation