BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-22
Company: EdFinancial Services
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Edfinancial was designated as my student loan servicer. They are unwilling or unable to process my income based repayment application. I applied on XX/XX/XXXX and no movement has occurred. 

They lost the application sent by FSA. They are unable to receive a copy of my application through their own website even though it was sent on XX/XX/XXXX. Their customer chat has been disabled by the company and the wait time to speak with an agent can be between 300 and 960 minutes even minutes after opening. 

If I am unable to get my IDR accepted, I will be forced to miss a payment that I can't afford to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Sometime at the start of the year, closer to XXXX, I was applying to credit cards to see who would take me since it would be my first card. One if those cards being from Capital One but i did not get approved. In XXXX i applied for the XXXX XXXXXXXX XXXX and got approved and that is the card i have now and while i was looking at my credit report for this month ( XXXX ) i saw a hard inquiry posted from Capital One, but that was the only time i had ever looked or applied to credit cards for it to impact my credit score this month. I do acknowledged that i used my card up a lot but the inquiry is what has me confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports : XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX  XXXX XX/XX/2021, XXXX XXXX, XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, and XXXX XXXX XX/XX/2021. Please REMOVE.

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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 XXXX XXXX XXXX {$20000.00} XX/XX/2022 POLICE REPORT FILED

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 2023-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-08-22
Company: Financial Business and Consumer Solutions.
State: CA
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 XXXXXXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Savings 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 was slammed through XXXX last year. XXXX was my wells fargo account. I lost close to XXXX  XXXX. The minute I realized it was a scam, I called Wells Fargo and asked them to do something about it. They claim they did some investigation and requested money back from the scammer but I did not get my money back. That was all of my savings and my XXXX account even got hacked by this scammer. I lost a lot bur wells fargo didn't sympathize with me or refund my money back to 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 2023-08-22
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In 2020, I opened account with Chime so I could receive direct deposits for my Georgia unemployment during the pandemic. Chime closed my account days after I started to receive my back payments from the Georgia Department of Labor. My account has been closed since. I never received my funds in my account which was {$12000.00}. Ive emailed and called chime several times daily and nothing has been done. They refuse to reactivate my account or give me my funds. They are illegally holding my funds and will not return them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Affirm is the company that I had an account with and there was a fraudulent purchase using my account. I had discussed this with the company on several occasions within the past few months ( XXXX ). When I first disputed the charge, I kept getting email notifications stating that I still owed a balance and that my account was going to get charged off. I called the company back and the representative that I spoke to assured me that this would be taken care of and that it would take there fraud department close to a month to get back to me. He also assured me that my account would not get charged off and sent to collections because I notified him that my family and I were in the middle of a move across the country and that we did not need anything that would negatively affect my credit. My account was charged off and I have been denied residents to several apartments because of this issue. I was forced to pay the debt collector so that I could hopefully find a place for my family and I to live. I submitted a complaint to the debt collector and I will be submitting a complaint to the better business bureau. the amount submitted to debt collectors was approximately {$210.00}. Although the amount was not significant, it has made it impossible to get approved for housing during our move.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I remotely deposited a check from making a sale on the Chase App on a Friday. The check was {$850.00}. It immediately showed partial availability of my funds, but I waited for the full funds to be abailable. On the next Monday, it showed the full month available for use, so I shipped my product. The next day, Chase showed that the funds were gone. Im frustrated that they approved the funds, and then they retracted them. I even got two confirmation emails that the check was approved, even though it clearly wasnt. The bank shouldnt have communicated that the check was approved before they were sure it wouldnt bounce.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt Collector : Source Receivables Management for XXXX XXXX XXXX. 

In XXXX of XXXX, XXXX tried to collect {$800.00} form me on a contract which I had cancelled and for which their services were no longer being utilized. Please note that this money had been automatically taken directly from my account. I had the {$800.00} identified as a fraudulent change at my bank and they refunded the amount upon investigation. This amount was never authorized. Further to stop the account from going into collections ( while I found my original contract ) I paid them {$400.00} ( half-of what they said I owed them ). I do have the original contract and would be happy to provide that to you. I am still trying to obtain my {$400.00} back from XXXX and have had no success. 

Please note that the XXXX installed devices stopped working at as of XX/XX/XXXX ( which I expected at time as I cancelled the service and the contract had ended ). I have a contract with XXXX showing that my service will end on XXXX  ( for which they have been paid {$400.00} more than owed ). Please note that I called XXXX on XXXX to cancel their service. 

Sorry for the long story ; however now they say I owe {$30.00} to them and have provided it to " Source Receivables Management '' for collection. Their telephone number is XXXX, Any help you can provide in the timely resolution of this matter would be most appreciated. Please note that I have exhausted much time and money in regard to this resolution of this horrible matter. Thank you again for any help you can provide. 

The latest bill I received from " Source Receivables Management '' was dated XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates are attempting to collect a consumer debt that is not owed to them. 
This Debt collector is not a party to the Contract nor are they a signature to the agreement/Contract that was purchased by their corporation therefore PORTFOLIO RECOVERY ASSOCIATES XXXX possess no valid claim to the debt stated in the Contract to be owed by the Principle, XXXX XXXX XXXX XXXX 
This Corporation has violated the Fair Debt Collection Act also violated multiple Consumer Rights Laws by contacting XXXX XXXX XXXX Mail or Phone. This XXXX has violated the FAIR CREDIT REPORTING ACT by reporting fraudulent debt owed to the XXXX XXXX XXXX, causing financial harm to Consumer. 

FAIR RESOLUTION I want all collection efforts stopped immediately, all false debt reported to the Consumer Reporting Agencies is to be removed immediately. XXXX XXXX XXXX is private, and this corporation possess no valid claim to report debt. 
claims in Federal Court are being drawn up. 

Thank You XXXX XXXX XXXX XXXX Authorized Agent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I transferred {$7000.00} from my external bank checking to Goldman Sachs savings account on XX/XX/23 I later on that day realized that I did not have enough funds in my checking account to cover my monthly bills so I requested the {$7000.00} be transferred back to my external bank account ( XXXX XXXX XXXX  ) I patiently waited and for 5 days and no deposit ever showed up. 
I have been calling every day and been transferred to different departments and spoke to numerous supervisors I spoke at length to a specialist at the dispute team I sent a certified letter with my account number as they requested and they received it XX/XX/23 at XXXX XXXX  They have verified my external bank twice with me and my external bank account XXXX XXXX the last time was XX/XX/23 at XXXX pm I spoke to them yesterday XX/XX/23 and the Dispute specialist said it would take 30 to 45 days to resolve. 
I told her it was not right since I have a large amount of funds already in that account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a supplemental tax bill that I sent to UWM on XX/XX/XXXX via their designated email address. The bill was due on XX/XX/XXXX. The bill was not paid when checked on that date so I chatted with them. Their agent mentioned that they are still working on it and that is when I mentioned that there will be a late fee penalty if the bill is not paid on time. Their agent responded that they will pay the penalties. It is also mentioned on their website that if they miss the due date, they cover the late fee. 

Today, XX/XX/XXXX, I started a chat with UWM and their agent mentioned that they received my supplemental tax bill on XX/XX/XXXX not XX/XX/XXXX and that this bill was paid as a courtesy and it is my responsibility so they are not going to cover any late fees. I mentioned to her that I emailed it on XX/XX/XXXX and have proof in my sent folder. I also mentioned their promise on XX/XX/XXXX to cover the penalties. She mentioned that they dont make promises and she is not sure who made that promise to me. 

I have screenshots of both chat sessions, the one on XX/XX/XXXX and today, available for review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National credit Systems is reporting an inaccurate collection account on my reports that I have been disputing for some time. 

I sent them a letter requesting validation of debt which I have left the tracking to prove receipt XXXX XXXX XXXX XXXX XXXX. 

In receipt of my dispute they asked me to provide documents concerning this debt and sent over an itemized statement from the original creditor. How are they able to verify this debt as accurate if they are asking me to send in documentation regarding this account? Furthermore, an itemized statement is not proof of debt. 

Clearly they are unable to validate this debt and I am requesting that this account is deleted from my reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: CITIBANK, N.A.
State: AZ
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:
I advise I can not use the card to make purchases because I attempted to make a payment on their app today, and it directed me to call them. They will not do anything with my account until they send me a reference number. They would also not allow me to add the card to the XXXX app ( its the Citi Costco card ), or add it to 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 2023-08-22
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
During the year XXXX  I was having credit cards with XXXX XXXX. One of the cards was activated to use by me. To my surprised one of the cards which I had not activated was illegally started using by unknown person in XXXX. To be specific the unknown person spent a lot of money on XX/XX/XXXX  - XX/XX/XXXX  with a card that end with XXXX. When I found out I immediately report the identity theft issue to XXXX. 
They told me that they will begin their investigation. After few days they call and told me not to worry about it. 
All this happened in a different address. I moved from the location where this issued happened. When I moved to the new address, I was still communicating with XXXX XXXX  because I still have card with them. During the conversation I was told that the card has been cancelled due to the issue and I should not worry about it. They sent me a new card which I specifically told them I do not want to it because I am trying to pay off the other one, I have been using. The associate I spoke with told me that since the other card has been cancelled, I should not worry about it. I should go ahead and activate the new card that has been sent to me. To my surprise when I activated it, they move all the Freud expenses bill to the new card that ends with XXXX. I tried everything but I found out that they have sold the debt to a new company who has taking a lawsuit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Brightfunders, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I worked with lower.com during a hardship deferment that would allow to me enter into a deferment of my payments for a period of time. during this time I signed a document that it would not affect my credit as long as I stayed in loss mitigations. I worked with a young lady named XXXX XXXX to ensure I stayed compliant during my deferment and completed a loan modification once it was over. At XXXX point during the process, I was reported late, at which point I connected with XXXX and it was corrected. It was not until after XXXX sold my loan to a new servicer that the issue showed up. I was reported late to all the credit agencies during the entire period of time I was in loss mitigation. This was never supposed to happen per the agreement that I signed with lower. I reached back out to lower and they told me it would be corrected and I needed to send a dispute to correct it.

Company response to consumer: Closed with explanation