BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : This letter is regarding Caine & Weiner Account # : XXXX. 

I dispute the validity of this debt back on XX/XX/XXXX. There is no debt owed to XXXX, despite continuous debt service request from Caine & Weiner. 

I have attached the original order with XXXX, dated XX/XX/XXXX. The order terms were for 3 months only. 

On XX/XX/XXXX, I requested XXXX to cancel the subscription service after 3 months. XXXX XXXX of XXXX responded to me stating your request will be processed according to your subscription terms. 

I have also attached my credit card statement showing 3 months of payment to XXXX, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. XXXX proceeded to charge me for a 4th payment on XX/XX/XXXX despite XXXX XXXX of XXXX acknowledged my cancellation on XX/XX/XXXX. 

Therefore, I disputed the 4th charge ( dated XX/XX/XXXX ) with my credit card company, XXXX. XXXX has reviewed all evidence and issued me a permanent credit for this dispute. Please see dispute judgement from XXXX dated XX/XX/XXXX attached. 

I communicated the above facts along with evidence to XXXX that there's no debt owed to them on XX/XX/XXXX. And yet, Caine & Weiner sent me another correspondence to repay the " debt '' on XX/XX/XXXX. 

Please note that there's no debt owed. And this is a false claim. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
NOT A DUPLICATE!! In regards to previously submitted cfpb complaint id # XXXX ( which was closed due to concerns authorization ) .. I'm XXXX XXXX XXXX, attached is identifying documents. Drivers License, Social Security Number and letter sent from Transunion to my address. Been disputing inaccurate information on credit report for years and attempting to mediate issues with credit bureaus, debt collecting agency 's and creditors. Whenever I've requested investigation results for my disputes into these inaccuracies from any parties, I've been told by the credit bureaus that they are only obligated to verify identifying information ( such as address, ssn and birthday ), therefore nothing will be done to correct inaccuracies because reporting company is providing them with identifying information that matches up with my customer file. Alot of items on my credit report are the result of fraudulent accounts opened in my name and or accounts that have become affected by the damages of identity theft. And I'd like to resolve these issues once and for all. 

This was your response to my previous complaint # XXXX, which was closed with prejudice and the quoted response : Authorization needed STATUS Company responded there is an unauthorized third party on XXXXXXXX What does this mean? Who is the unauthorized party? And if unauthorized party is in regards to someone else, this further establishes my argument of Fraudulent Activity on my accounts, as well as Identity Theft. Someone needs to get in touch immediately to address my concerns with the information reporting in association with my transunion credit report File # 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 2022-10-13
Company: CITIBANK, N.A.
State: MA
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:
Hello, In XXXX, my Macy 's credit card was closed with a XXXX balance due to inactivity. Fast forward to XX/XX/XXXX, there was a default listed on the account for {$4.00}. This {$4.00} charge was not reported to me at any point within the timeframe of XXXX. There were also no defaults listed on any credit checks during those times when I purchased a car, or applied for other loans. 

I called Macy 's on four separate occasions to resolve this issue to no avail. Since the account was closed, they could not even locate me in the system. I was hung up on twice. The final time I called, Macy 's advised me that they would be " zeroing '' out the charge since it was so old. I asked them to not do that as I wanted this to be resolved correctly. 

I filed a credit bureau dispute with XXXX and when I received the findings, XXXX concluded that Macy 's was " reporting the information correctly ''. Funnily enough, Macy 's made changes on my report that show the date the delinquency was first reported was in XXXX. This date was *NOT* previously on the report. In other words, they are retroactively covering their tracks. 

I appealed the dispute and the XXXX representative understood my reasoning and added specific timelines and explanations to the appeal. I just received the appeal findings and the initial results remain.

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 monetary relief
Consumer complaint received 2021-01-12
Company: ALLIANT CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXXXXXX XXXX  says that my proof of income was photoshopped and for that reason I could not be given a checking account. 

I did not submit any fake information, and also XXXX did not provide any information on how they came to a decision that my documentation was photoshopped. 

I have provided information to prove who I am and they still shut down my account. This organization is a discriminatory lender and discriminates against people based off their race, age, culture, and religion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Experian Information Solutions Inc.
State: MO
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:
Credit Bureaus are showing accounts that do not belong to me. I filed a police report about the identity theft or incorrect information months ago. There have been some of the inaccurate things removed but others still continue to populate the reports. There are also inaccurate prior addresses that they still have not removed as well as some inquiries. There is a company " Credit Collection '' saying I owe two different accounts XXXX*** and XXXX*** both on my Experian and XXXX  Reports . There is also an XXXX  account XXXX**** that was never mine..

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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've been an Authorized User on my Step Son 's account for about 2 1/2 yrs. And The 3 credit Bureaus TransUnion, XXXX and XXXX aren't reporting the credit age on my credit account in my credit files. Only 2yrs. worth of Credit NOT XXXX XXXX  length of history, which I should receive under the Fair Credit Act. Documents are attached showing it's not reported. My son 's payments for XXXX XXXX ( ALL ) payments are on time and never 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 non-monetary relief
Consumer complaint received 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 disputed the debt being reported by XXXX XXXX XXXX XXXX with the company and credit reporting agencies. 

For Collections Account : XXXX XXXX XXXX # XXXX They have not provided proof of debt or any records and have continued to violated FCRA 15 U.S.C 1681

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 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 noticed that i have been a XXXX  of XXXX XXXX for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept 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 2022-03-26
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:
Trans Union has violated the 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) Statue. Which I did not give them permission to report my bankruptcy. I DID NOT give you neither direct nor indirect permission to furnish my inform

ation. In addition to that violation, Trans Union are also committing fraud since Transuion claim to have verified this bankruptcy, but your sources deny that. Should Transunion need a reminder... please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) Statue. I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day you RECEIVE this letter.

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 2021-01-12
Company: DISCOVER BANK
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:
Since XXXX and it is now XXXX they have been using this fraudulent account for tax write off purposes they have also used the date of furniture to forcefully & falsely verify my stolen data as accurate! I have a XXXX in my left XXXX and it is causing me significant pain in home and I can not afford to remove it with my credit continuously going up I need to be able to get money to pay for XXXX theyre making that incredibly difficult Ive asked this to be removed its tied to my social ending in XXXX end it is not mine I dont care about any investigations I want them to remove it immediately before I die

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/XXXX, I attempted to deposit a check for {$380.00} into a Chase Bank atm located at XXXX XXXX XXXX XXXX, XXXX, IL. The atm took my check and spit out a receipt saying the atm has experienced a technical problem and I need to call Chase to file a claim, which I did. In the meantime, Chase deposited temporary funds into my account. Nearly 2 months later, I learn that Chase is removing the temporary funds because the check has indeed been cashed -- BY ANOTHER CHASE CUSTOMER -- and deposited into THEIR account, not mine. The agent I spoke with on the phone suspected the atm spit my check out at some point and somebody else cashed it! Chase is taking zero responsibility for this and has completely put the burden on me, saying that I need to contact the issuer of the check ( XXXX XXXX XXXX XXXX of IL ) and ask that they contact their bank and submit a fraud claim. Meanwhile, they are removing the funds from my account and I 'm left to deal with this situation completely on my own. 

I ca n't get any status updates from XXXX and Chase says they ca n't do anything either. I feel like I am never going to get my money and my only wrongdoing was attempting to cash my check. Chase 's atm malfunctioned, Chase allowed another customer to deposit a check that clearly belonged to someone else, and this other user is a Chase customer, yet Chase refuses to take the money out of their account and put it into mine. It 's been almost 3 months and I feel like I 've hit a total brick wall and am no longer making progress in resolving this issue. They have been incredibly unhelpful and have put the burden completely on me and the issuer of the check, which, unfortunately is a huge insurance corporation that probably does n't have the time or interest in helping me. I hope you can help me. I do n't understand why they wo n't just assume responsibility for their malfunctioning atm and for the fact that they allowed a stranger to deposit my check. I just want my money. I have given over 15 hours of my life to resolving this -- between being on the phone with Chase and XXXX XXXX XXXX XXXX and speaking with a banker at the branch. I 'm tired. I want it to be over.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Transaction issue

Complaint:
This complaint pertains to a Chase Visa card. On Friday, XXXX XXXX 2016 I called Chase to discuss making a large purchase in a foreign currency - XXXX. The discussion was to understand what exchange rate was used and when it would be effective. Chase told me that it was based on the exchange rate published in the XXXX XXXX XXXX for the day on which the transaction settled, which would be one to two days after the purchase. I made the purchase on Saturday XXXX XXXX, in the amount of XXXX XXXX. When I saw the transaction show up in my Chase credit card account, the amount in USD was {$25000.00}. The exchange rate was quite different ( worse ) than what was published in the XXXX. I called Chase today ( XXXX/XXXX/16 ) to discuss the matter. The representative indicated that XXXX sets the exchange rate and there was nothing Chase could do. I called the dispute department and they refused to disallow the charge because " an exchange rate is not a valid reason for a dispute ''. The dispute supervisor, a XXXX XXXX XXXX in Chase 's XXXX XXXX dispute call center, apologized for the fact that the Chase representative gave me materially incorrect information regarding both the exchange rate at which the transaction would take place as well as when the exchange rate would be effective. Had I been given the correct information, I would not have made the purchase. The entire reason for the purchase was to take advantage of a lower exchange rate ( i.e. the one published in the XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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:
There are numerous account listed on my Transunion credit report that I have no knowledge of. This was a result of malpractice or an error.

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 2015-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I just received a new XXXX credit card from Bank of America. You can see all your credit card information on Bank of America 's normal website, which is the same site that contains all of my Bank of America bank account information. So far, so good. I can do anything, including one time payments to my XXXX credit card on the website. Except for one thing : I ca n't set up autopay through the site. I called the number on the back of my credit card and the representative said that the website is n't designed in any easy way to allow this. Indeed, the best way was to go to another website, which no one would know about without calling them and waiting. This worked, but I have never seen anyone issuing a credit card so clearly and purposely make it so difficult to set up autopay. I suspect the reason this is being done is so that fewer people will set up autopay and therefore they will be much more likely to end up paying interest fees. This just seems wrong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Duncan Solutions, lnc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt amounts are not accurate when attempting to make payment. Further ; agency will not allow me to make a payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
The loan was provided by XXXX and is services by Firstmark Services. It was applied to my education at XXXX University between XXXX XXXX and XXXX XXXX. Prior to attending graduate school between XXXX XXXX and XXXX XXXX, I applied XXXX to set up automatic payments. Both times, the loan servicer reported never having received the required documents leading me to miss payments. After I completed graduate school and began to make payments again, I attempted for a XXXX time to set up automatic payments of {$200.00} a month. Again, the loan servicer reported not having received the request and resulted in my missing several payments. Additionally, they made no attempt to contact me via phone or email within the federally required time to rectify the situation, the first notification I received was this afternoon from the small loan provider I first dealt with when the account was 148 day past due. I set up automatic payments for the XXXX today but was informed that it would take 20 days to set up and the representative would not be able to see anything related to that request prior to that time. 

It is my belief that Firstmark Services intentionally " loses '' automatic payment requests in order to receive more money in late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 Re : This Letter is Sent to Remove Inaccurate Credit Information from My Credit Report To Whom It May Concern : I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately please :

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 2021-01-12
Company: AmeriHome Mortgage Company, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Mortgage company won't release my unpaid funds This loan was paid off XX/XX/XXXX, and I still haven't received my escrow balance, as of XX/XX/XXXX. Amerihome Mortgage keeps saying the check is in the mail, and to just wait longer. No solutions, just wait longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: JPMORGAN CHASE & CO.
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had an auto loan with chase auto finance that ended up being a total loss on XXXX XXXX XXXX XXXX paid their portion of the loan in XXXX XXXX and I contacted the dealer I purchased the vehicle from to fax the gap paperwork so I can get gap to cover the balance asap. I got in touch with gap and got the process going and never heard another word from chase or gap. I checked my credit in XXXX XXXX and saw I still had a balance on this loan so I sent a letter to chase asap and they responded that the loan was paid in full and closed. spring XXXX I noticed when I went to purchase a vehicle the lenders kept denying me saying I was 60 days late within 24 months so when I looked chase marked me for date of first delinquency XXXX and 60 days late with account paid and closed XXXX. I contacted chase and disputed several times through the credit agencies. the chase reps I spoke with went above and beyond to help me and had a few lates I got from moving out of state due to the payment issues I had because I did n't have statements to send with the payments and I greatly thank them for their help and understanding. they had trouble with the account being locked and archived when they tried again to correct the issue so during the cra dispute process someone at chase that handles the disputes changed my status from 60 days late to 91-120 days late and that I 'm XXXX payments past due and no matter how many times I dispute it everytime I dispute it and they report it the same my credit score goes down more and more. the lates are still removed from the payment history and I thank them for that. XXXX and XXXX XXXX are the only XXXX I 'm concerned with XXXX reported correctly.

Company response to consumer: Closed with explanation