BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI financial called me to collect payment on a check that I sent in and was cashed by them on time. They can not provide proof of payment and want me to send in the proof. I will share proof if absolutely necessary, but I shouldnt have to prove they cashed my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
The following accounts do not belong to me. Legally I have no contract or relationship with these creditors. 

XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : 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 2023-01-24
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a {$290.00} debt for a XXXX XXXX account opened on XX/XX/2022 that was sent to collections and is damaging my credit, but I dont have or use XXXX XXXX. I believe it is a result of identity theft. I tried disputing through XXXX but keep encountering an Oops something went wrong message and my dispute wont go through.

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 2022-06-29
Company: Experian Information Solutions Inc.
State: OH
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:
The letter I sent to Experian last XX/XX/2022 was to inform them that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any items and information not later than 4 business days after XX/XX/2022. Ive already included these items in my previous Complaints & I am including them again : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX 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 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint. This complaint to TransUnion was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX  XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-06-29
Company: EQUIFAX, INC.
State: OH
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:
The letter I sent to Equifax last XX/XX/2022 was to inform them that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any items and information not later than 4 business days after XX/XX/2022. Ive already included this account in my previous Complaints & I am including them again : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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 am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion It seems that XXXX  XXXX is reporting to you on 2 accountXXXXand XXXX but they want me to give them information, THAT TELLS me that they do not have the documentation to report anything Documents enclosed as fact

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 2023-01-24
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was literally using my account to purchase breakfast in the morning and right when I got into work Chime closed my account. The night before I did file my taxes and put this account on my tax return for direct deposit. They're telling me that they don't have a specific reasoning for the closure just that a policy was violated. They then send me an article which was not specific at all to my situation. I had to change my work and IRS direct deposit and cant pay any bills until they send me my money. Ironically, it was also payday... they took almost {$300.00} that I already had in my account with an additional almost XXXX from my paycheck today. I contacted multiple people and they all couldn't tell me why this was happening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XXXX2020 I sent a letter regarding inaccurate and unknow things on my credit report. To this day ove 60 days later I have no received a response yet. I feel as if I am being overlooked and ignored of my disputes. Section 611 ( a ), it is painly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they must be deleted as soon as possible.t I demand these accounts be deleted immediately or I will file for litigation due to the stress poor time managemen. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong people!

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 2018-05-25
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX cable provided service to me for years so the account is not in itself fraudluent. I ended up experiencing an event that resulted in significant damage to my personal property. XXXX system failure was determined the cause and XXXX at the time admitted to the issue and offered me dollar incentive as an apology and to re-sign a longer term agreement. Due to significant loss and disatisfaction with service I communicated my intent to discontinue service, they agreed at time to let me out of remaining contract and final billing was settled. 2 years after the termination of agreement and no communcation from XXXX XXXX XXXX called my cell phone in order to collect {$120.00} for the closed account. I notified convergent of the facts and asked them to mark the account as cease and desist and that the debt in question wasn't valid or owed ( XX/XX/2017 ). I called back a couple of weeks later to check up on the processing and was told still being researched. never heard a word since. Today I checked my credit report I doscivered this debt still being reported delinquent/owed and they still have not validated per my request. Please help me naviagte the removal of this invalid debt

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 2022-12-01
Company: EQUIFAX, INC.
State: NV
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:
In accordance with the Fair Credit Reporting act. The list of accounst below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Has violated my rights. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C . 1681 section 602 A. States : I have the right to my 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.

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 items of information other than records of conivctions 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 resonable cause to believe that the information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022, COMENITYBANK/WAYFAIR called my wife 's number to attempt to collect a debt from me. They had already been informed that they should not be calling me or my family ( I have filed a complaint separately for that issue ). 

When they called me on my wife 's phone, I spoke with the COMENITYBANK/WAYFAIR representative XXXX The representative told me they were calling to see if I wanted to avoid a lawsuit and which would ruin my credit. They said that though they had record of being requested to not call me, they wanted to attempt to give me the opportunity to avoid bad credit from losing the lawsuit they were about to file. The representative proceeded to make statements such as " So you want to ruin your credit? ", " So you want to lose in court? ", " So you would rather us file this lawsuit and ruin your credit? ". The representative repeated the same sentences regardless of my response, until I finally disconnected the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-29
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom it may concern, I had gone thru a drive thru bank Well 's Fargo bank, In XXXX MN XXXX XXXX XXXX XXXX. on XX/XX/XXXX at Approximately XXXX PM I was trying to with drawl {$25.00} out of my daughter 's account I'am on her account I opened back in XXXX a college saving 's I had my driver licence just did not have my debit card on me that day. I was never questioned the middle age woman even before we started the transaction conversation, she seemed really rude impatient and high anxiety, mind you I have been to this bank several times before, to take care of banking business, I never had this problem before. The XXXX XXXX XXXX MN never questioned me. She said she didn't see my account at all I have a savings account separate from my daughter and my husband and I have savings at Well 's Fargo! The woman is a XXXX XXXX XXXX  teller, she also asked me, do I have a phone number to give to her while in the drive thru! That is personal information, I asked her can I speak to her manager, she said she was Unavailable and I could see her in her office so she mention that she will show her my driver license, i believe it took more Then XXXX minutes to take care of a simple drawl, transaction I also had a XXXX XXXX XXXX. I was finally able to with drawl {$25.00} out ... after all that I tried calling when I returned home no answer the next day no answer later on some one answer at that bank he said he will passed the message to Manager, I never receive a call back, until I call a couple day 's later and spoke to a XXXX XXXX she apologized, I asked her to email me. and felt bad of what had happened, and said she will speak to her appreciate I don't feel that was enough I tried to call the head quarter 's no one will answer the phone. I just felt like why would she treat me like that as a customer to myself? I have been banking with them since 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 2022-06-29
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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is t
hat possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2022-09-21
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Car was totaled out from a car accident. The insurance company XXXX told me that they paid off my vehicle. I started receiving calls from the XXXX XXXX Ally Financial saying that I still owed {$100.00}. XXXX says that they paid the car off and that I shouldn't have owed anything. They keep harrassing me raising the cost each month. I am a victim of Hit and Run with internal injjuries and don't have the extra funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On Saturday XX/XX/2022, I purchased a table and chairs from XXXX XXXX using my Synchrony Home Card for {$1800.00} plus tax ( {$150.00} ) equals {$1900.00}. I am being wrongly charged by Synchrony Home the amount of {$2300.00}. This amount is wrong. I am being wrongly charged an additional {$290.00} plus tax which comes to {$320.00} which was refunded back onto the Synchrony Home Card by the retailer. I can show proof of the refund of {$320.00} to the Synchrony Home Card from the Retailer. My daughter had to do a XXXX News Segment regarding this refund of {$290.00} plus tax = {$320.00} I know I owe for the table and chairs {$1900.00} because that is the only thing I purchased with this Synchrony Home Card but I do not owe the additional {$320.00}. I do not owe {$2300.00} Please see the attachment showing my proof of refund. Please correct this.

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 2022-12-19
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
we wrote a check for our real estate taxes, it was stolen out of the post office mail box, the payee and amount of check was changed.The check was cashed via mobile deposit at XXXX XXXX XXXX. On XX/XX/22 we signed an affidavit as to our claim with our bank PNC. Today is XX/XX/22 and we have no resolution or answer. This check was fraudulently made out to the amount of {$7800.00} and cashed! Some of the responses from PNC are as follows " keep checking your account to see if the money has been replaced '', '' your complaint has been escalated '' and " let me look into this and i'll get back to you ''. It's all a lot of stalling and XXXX when do I get the money that was stolen back? I have a XXXX filled with the names of people I have spoken with still no result!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-29
Company: BSI Financial Holdings, Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
have a home mortgage with BSI Financial Mortgage Acct # XXXX ) which was initially made with XXXX XXXXXXXX XXXX which was a Home Refi. 
When the loan was closed with XXXXXXXX XXXX, Flood Insurance was not required. Several years after the Refi, I was told flood insurance was required. I furnished the required Flood Insurance Certificate showing that the property was covered. XXXX did not require Flood Insurance escrow for the policy. Several years later the loan was transferred to BSI Financial. BSI also required Flood Insurance. 
Had I known that Flood Insurance was required, I would have not refinanced. I have had a mortgage on this property since XXXX and was never required to have Flood Insurance. 
However, I did purchase my own at my expense the requested policy and furnished policy to BSI, to avoid being charged at triple the cost of coverage purchase by them. I am now being charged by BSI for the policy they purchased thru escrow, so basically I have duplicate coverage.

BSI is insisting that I pay into their escrow account, saying it is a federal requirement. 
Is it a federal requirement? 
However, this Escrow requirement started with the XX/XX/XXXX payment. 
I have made many verbal requests thru phone calls to BSI to resolve this issue, and have not received any satisfactory response from them. 

Is there any way you could assist me with resolving my issue would be appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX  Acct # XXXX Email : XXXX Cell # XXXX

Company response to consumer: Closed with explanation