BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
My information on my TransUnion credit report is not accurate.     It shows that I paid late on my mortgage with  XXXX   XXXX  multiple times.  XXXX   XXXX  was the servicer during that time.  XXXX   XXXX  began servicing the mortgage on  XXXX     2015. Ther e are multiple  30, 60, 90 and  120 day lates on my credit from before  XXXX   XXXX  began servicing my mortgage.     These should not be on my credit. Please verify the date  XXXX   XXXX  became the servicer and if any payments after they began servicing were late.

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 2020-04-09
Company: COMMUNITY CHOICE FINANCIAL, INC.
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:
I received a bill on XX/XX/2017 from " Cash Central '' for the amount of {$310.00}, a loan that I did not request or receive money for. This is identify theft. I reached out to this company directly, filed a police report in XXXX County ( where the address used/mail was received ), and did not hear anything back until recently wherein my credit score is now affected by " XXXX XXXX XXXX XXXX '' regarding this loan now being in collections. 
I have filed numerous complaints online, including identitytheft.gov, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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: Their investigation did not fix an error on your report

Complaint:
This is my second complaint about this account!! Its not fair how im being treated by capitol one.!!! They are constantly causing big credit score drops because of them removing late fees then replacing them back ... i just recieved a 73pt drop ... i have always paid on time my account was closed without my knowledge due to them claiming fraud i have never called them about fraud on my account.! and capitol one never called me to inform me about fraud!! I'v made them whole and paid off the account and they have not done right by me!! I want all negative/late payments removed! This issue is not my fault and i should not be punished due to the lack of communication and professionalism on the matter of this account!! Please make things right because as of today they are still reporting late payments and they should not be!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
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:
I received a bill on XX/XX/2017 from " XXXX XXXX '' for the amount of {$310.00}, a loan that I did not request or receive money for. This is identify theft. I reached out to this company directly, filed a police report in XXXX County ( where the address used/mail was received ), and did not hear anything back until recently wherein my credit score is now affected by " XXXX XXXX XXXX XXXX '' regarding this loan now being in collections. 
I have filed numerous complaints online, including identitytheft.gov, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On the XXXX of XXXX 2015 my US BANK debit card got stolen. The XXXX thing before calling the police that I did was to call the bank to block my card. They claim a XXXX service and ironically could not block the card as there was a server maintenance and upgrade was in process ( which is ridiculous ) and the thieves took out all my savings through XXXX! Being an XXXX studies in USA, It is extremely disappointing to experience such low standard customer service. Even a XXXX like XXXX has a XXXX times more better customer service than what I experienced here! The bank wanted me to file a fraud claim with them so that they could credit the stolen amount and investigate on the case. Later if they find the fraud activity to be true the credited amount is mine and if not they would take back the money. I did all the form filling and submission and the police report submission on the third day that is XXXX of XXXX, well within the time limit. But I did not receive a single update on the proceedings. I have called them every XXXX days until today, and the only thing I get to hear is I am on hold. Today I was on hold for more than XXXX minutes and then eventually they schedule a call back for me which can take more than XXXX hours and I am supposed to just wait. They wanted me to wait till the XXXX of XXXX to call them back. So I waited patiently hoping to get the provisional credit by then. Nothing happened and not even the fraud department knows an answer as to why such a delay. I have not eaten food or paid my rent or my tuition fee in school as I am just waiting for a simple response from the bank. Even XXXX students are much more professional and responsible than the US Bank customer service. Extremely unsatisfactory performance. I feel that either they do not understand the severity of the situation or they just do not bother! I am helpless and have been through a lot.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions Inc.
State: VA
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 submitted a dispute because none of these companies notified me 5 days prior toplacing information on my credit report. I requested proof of an originaln document showing my name and address on it and the credit bureau has not reposded to my requests. The accounts are from ; XXXX XXXX XXXX or 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 2020-03-02
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I obtained a summary copy of my credit report. In my discovery I came upon a collection account opened XX/XX/XXXX with National Credit System for {$3600.00}. I made an attempt to contact this agency ( XXXX ) and was told the account was forwarded over to Law Office of XXXX XXXX. ( XXXX ). The agent that answered immediately verified my name/address and proceeded to inform me that I owed this debt. I advised the agent that I never received a Validation Letter of the debt in question, the agent then verified my address ( without me providing any information ) and went on to say the letter was sent out already and I should check with my post office. I then asked could she provide me with a tracking number, the agent said it was sent regular mail. I reiterated that I never received anything to the address she confirmed, therefore Im disputing the debt. The agent told me it will say on my credit until its paid. I spoke with a gentleman that alleged he was a Supervisor but refused to provide me his name and extension unless I now verify my personal information. The alleged Supervisor was adamant that I provide my personal information. I informed the alleged Supervisor that made me feel suspicious since the previous agent verified my name and address when I called into ( XXXX ). The alleged Supervisor refused to answer and questions or provide me with any assistance even when I advised him FCRA specifically states Im entitled to verify the debt to make sure accuracy of debt, amounts and disposition. This derogatory mark has had a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: JPMORGAN CHASE & CO.
State: OK
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:
On XX/XX/20 I purchased concert tickets from XXXX XXXX XXXX for {$1100.00}. Immediately I received a fraud alert email from my credit card company. I called my credit card company Chase Sapphire and acknowledged the purchase. I accepted that they declined the transaction for my protection. I went to a reputable web site and purchased tickets for the same concert. I obviously assumed the matter was closed. 

Chase Sapphire accepted the same charge after XXXX XXXX XXXX billed the charge for a second time. Ultimately after over a month Chase Sapphire denied responsibility for not blocking the second transaction, and I was forced to pay for a product I never utilized. The alarming fact that Chase Sapphire stood by a billing from a third party they aptly identified as fraudulent should scare every consumer that is also their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 submitted a dispute because none of these companies notified me 5 days prior toplacing information on my credit report. I requested proof of an originaln document showing my name and address on it and the credit bureau has not reposded to my requests. The accounts are from ; XXXX  XXXX XXXX or 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 2020-03-02
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My XXXX XXXX  account showed a charge of {$3.00} from TD Bank that I don't recognize. A XXXX rep told me to call TD Bank about trace # XXXX XXXX XXXX XXXX XXXX. 

I phoned TD Bank 's main number, XXXX. After 10 minutes on hold, a woman answered and I explained the problem. She told me to call XXXX. When I called that number, it asked me for my TD Bank account number, which I don't have a TD bank account. I was on hold for nearly 2 hours before I hung up and called XXXX again and was again on hold for about 10-15 minutes until XXXX answered. XXXX couldn't help me, said to dispute the charge on my end with XXXX, which I am doing. In the meantime, if somebody at TD bank has hacked my account ( how do they know I  have an account with XXXX, and how do they know the account number? ), this needs to be dealt with by TD Bank. XXXX was unable to use the trace #, was unable to get a message up his line of command, unable to give me a phone number to call or email to write.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX medical bills on XXXX XXXX XXXX, for XXXX medical services at the XXXX of XXXX XXXX hospital, XXXX, with XXXX XXXX XXXX. The XXXX medical services were on XXXX/XXXX/XXXX and XXXX. The bills were for {$810.00} and {$470.00}. I paid these bills in full via a debit card transaction on XXXX/XXXX/XXXX. This was after I had a conversation with Chase Receivables who informed me that the bills were unpaid - and I promptly paid the bills. Despite this I have continued to receive REPEATED harassing calls from Chase Receivables saying I still owed the money, despite my telling them that I have paid the bills. This is both intolerable and totally unacceptable. I attach a receipt for payment from the hospital and a screen grab of my debit card transaction paying the bill.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Within the last two years I have used Western Union to wired thousands to my sons living out of state and instantly paid the corresponding fees. On XXXX XXXX, 2016 I wired money plus processing fees through the WU online system. This money was not need by the receiver so I requested a refund on XXXX XXXX but each day WU 's customer service representatives and supervisors refuse to provide that refund. They 've even gone as claiming that XXXX Bank refused to process their refund. This statement is absolutely dishonest as verified by my bank, which confirmed no attempt to refund this money was ever made. Later, I was told a new MTCN number would be provided to me and I can pick-up the refund at a WU location. Each day I am told a new MTCN tracking number would be given and each day I receive the same talking-points stating the tracking number will be available tomorrow. 

Due to change in my financial status, I am now on XXXX and withholding these funds has added to existing financial hardship for me. The public trust Western Union and it 's a sad commentary to know a global organization has such little regard for its customers and business ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$4000.00} US DEP ED XXXX {$390.00} XXXX XXXX {$1300.00} XXXX XXXX {$1100.00}

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 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing these incorrect items on my credit since XXXX, XXXX. I keep getting the same response from credit Bureaus. They keep saying that it is verified. they are not telling me how, when, and who verified it. I'm getting denials based on their in correct reporting.

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 2023-02-05
Company: Experian Information Solutions Inc.
State: MN
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 a natural person, I have rights under 15 USC 1681.

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

XXXX  is governed by 15 USC 1681, and they have violated my rights numerous times. I demand that the accounts listed below be removed from my credit report post haste : Account:XXXX  Account:XXXX  Account:XXXX**** Account:XXXX  Account:XXXX  Account:XXXX  Account:XXXX  Account:XXXX  Account : According to 15 USC 1681, I have the right to privacy and I did not in any way give XXXX my written permission or consent to furnish these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting a credit card as charged off for {$950.00}. Then they are reporting a balance of {$620.00}. The company has a due date if the XXXX of every month. If this account was charged off, the company would not ask for a payment due on the XXXX of every month and if the balace is going down every month, it should not have an amount of {$950.00} charged off. This account is reporting incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Remitly, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hi I am XXXX XXXX, I have transferred money to my brother In Law ( XXXX XXXX ) to his bank account in XXXX on XX/XX/2020. Remitly showing that money was delivered XX/XX/2020 but my brother check his bank account the confirmed XXXX  money wasnt delivered yet. I am try to contact their customer service which is not available, they said online chatting is available but I tried so many times I couldn't reach them. I text on XXXX XXXX and XXXX  page they did't response. I want to know what happened. Why is this taking longer time to deliver?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Revenue Assurance Professionals LLC
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
After comparing a credit report pulled for a mortgage with my XXXX account I noticed that there are two different names reporting the same amount. So I then compared the account numbers are they also were the same. Finally, I check the Date of Last Activity ( XXXX ) on my credit report and the dates are either not there or at least a year old and listed as reported or opened this year or last year. I believe that this agency and other agencies on my credit report are selling the alleged debts and changing the dates.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
We filed a construction loan application with Webster Bank XX/XX/XXXX. Admittedly, we had some delays due to finalizing the plans of the home. Once we were ready to close on the loan, and submitted the final contract to the bank, we have had delay after delay due to the inefficiency and lack of attention to detail of the underwriting process. We have had documentation requests come through piecemeal XXXX and XXXX documents at a time. As we fulfill the requests, new and different documents are requested. Further, they have asked for some documents 2 or 3 times, despite our already providing them. It is now XX/XX/XXXX, and our appraisal is expiring for a second time - requiring further delays to the closing date. We have been prompt and punctual through this process but the underwriter turn around is approximately 2 weeks from each delivery. This is unnecessarily drawn out and the goal keeps changing leading to inefficiencies and consumer burden.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-01
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My husband and I were approved for a loan modification and the mortgage lender still has not update our credit reports. I have sent them communications and disputed with the credit bureaus and nothing transpired. It has now been a year since the loan modification has taken place and our credit is still being impacted with their inaccurate reporting. The credit report shows us as being past due {$2400.00} as XXXX/XXXX/2016 the last update from my dispute. This incompetent mortgage lender SLS Specialized Loan Servicing company has ruin XXXX our credit for an year and I want it resolved 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 explanation