BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A XXXX XXXX I disputed is still on XXXX reporting agencies. XXXX was the only one who removed the collection by Enhanced Recovery Company and the date opened on my reports dont match the paperwork they send to me to prove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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:
On XX/XX/2022 I contacted TransUnion about the following negative accounts XXXX  XXXX XXXX ( Balance : {$74.00} Balance Updated : XX/XX/2022 ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: SC
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 XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without 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 2023-05-08
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
Hello, I have some charge offs and collection accounts listed on my credit profile that are ruining my credit and I've reached out on multiple occasions to the creditors and they weren't able to verify accuracy or remove the charge offs or collection accounts. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Dovenmuehle Mortgage, Inc.
State: ND
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During the pandemic, I went into forbearance on my current mortgage. I live in XXXX, and as soon as XXXX  approved their plans on how to assist affected citizens with the XXXX XXXX XXXX  XXXX dollars, I applied to the state. They processed my application and have been waiting on the servicer, XXXX, to sign on with the state so the can move forward. I have not been able to get get a clear answer on any of this from XXXX and just keep getting a different answer every time I call and each solution generally involves, just wait it out and be patient. This mentality has just added to the delays and I am just ready to get this resolved and move on, however, I can't because of the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Account is being reported with an inaccurate information. 

This letter is in response to my letter mailed and dated ( XX/XX/XXXX & XX/XX/XXXX ) to XXXX, TransUnion & XXXX. In my letter that was dated XX/XX/XXXX, I disputed names associated to my report. My legal and correct name is XXXX XXXX XXXX. I provided copy of my social security card, driver 's license and copy of a utility bill. 

I requested that all these names are deleted to any consumer credit reporting agency : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
My name is XXXX XXXX and this my 4th complaint against XXXX associates this is not a duplicate

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 2022-11-14
Company: EQUIFAX, 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:
These accounts belong to someone else. I am a victim of id theft XXXX XXXX XXXX XXXX XXXX Never late XXXX XXXX XXXXXXXX Never late XXXX XXXX bank XXXX Never Late XXXX XXXX XXXX Account is fraud not mine XXXX XXXXXXXX Account is fraud not mine XXXX XXXX XXXX XXXXXXXX Account never late XXXX XXXX XXXXXXXX Account never late XXXXXXXX XXXX XXXXXXXX Account is fraud not mine XXXXXXXX XXXX XXXXXXXX Account is fraud not mine XXXXXXXX XXXX XXXX XXXXXXXX Account is fraud not mine XXXX XXXX Account is fraud not mine XXXXXXXX XXXX XXXXXXXX Account is not mine XXXX XXXX XXXXXXXX Account is fraud not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Duncan Solutions, lnc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a regular user of the GA XXXX XXXX XXXX lanes on the XXXX XXXX XXXX I have XXXXXXXX XXXX  transponder # XXXX permanently affixed to my car 's dashboard ( Plate XXXX ) and use it regularly. 

On XX/XX/2021, A highway RFID sensor failed to read my XXXX XXXX transponder. A toll violation was created in error, and the debt alleged by PAM is provably invalid. 

Professional Account Management has bought the debt for this alleged violation from the Georgia State Road and XXXX XXXX. I sent PAM certified mail ( USPS XXXX XXXX XXXX with evidence that the transponder was installed and active during the days surrounding the alleged incident and the debt was invalid.

PAM rejected the certified mail in an act of willful blindness. They have been unresponsive to attempts to communicate over the phone during regular business hours. 

PAM is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) Using deceptive methods to collect debts U.S.C. Title 15, 1692-1692p. It is also in clear violation of the Georgia Fair Business Practices Act O.C.G.A. 10-1-390 to 10-1-406, which prohibits firms from engaging in unfair or deceptive acts or practices in the collection of consumer debts. 

Attached to this complaint is a transaction report document showing that transponder XXXX  XXXX was installed and active during the days surrounding the alleged violation. There is also a document showing that USPS certified mail # XXXX was rejected by PAM, in an act of willful blindness not compliant with consumer protection laws. 

The attached pictures prove that XXXX XXXX transponder # XXXX is permanently affixed to the car with GA plate XXXX. The attached transaction report shows that this transponder was active and used with the GA XXXX XXXX on dates surrounding the alleged violation.

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 2023-08-15
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received another mail from california business bureau inc stating that that they are trying to collect the debt I owe at the XXXX XXXX XXXX the amounts are {$390.00} and the other amount is {$210.00}. They are making up those false charges. I don't know anything about it. Their number is ( XXXX ) XXXX. Last time they said that I owe {$130.00} and {$250.00} on the year 2017. They are making up false charges. They said that I already paid through XXXX and I asked them the number of XXXX  and they hang up on me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: JPMORGAN CHASE & CO.
State: WA
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:
These inquiries are INACCURATE and were NOT AUTHORIZED to be reported in my credit reports. 
JPMCB Card XX/XX/2022 was not authorized, I am demanding this inquiry be removed from XXXX and XXXX immediately. 
JPMCB Card XX/XX/2022 was not authorized, I am demanding this inquiry be removed from XXXX and XXXX immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 writing to file a formal complaint regarding inaccurate information on my credit report that I reported to TransUnion. Unfortunately, despite my initial contact on XX/XX/XXXX, I have not received any response from TransUnion regarding the disputed information. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 

Below are the details of the inaccurate information and the requested corrections : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$9200.00} XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$550.00} XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} XXXX. Account Name : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX High Credit : {$690.00} XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} The above accounts were never late, contrary to the information on my credit report. I kindly request TransUnion to correct/update this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2023 I sent XXXX XXXX XXXX a certified letter asking the to validate an alleged debt. In this letter I asked them to provide me with the original purchase agreement along with the terms and conditions of that agreement. I also asked XXXX XXXX XXXX to provide proof that the are legally able to collect debt in the state of Alabama. They did not respond in 30 days and when they did respond the were only able to provide a copy of a bill. On the bill, no where did it state that they were the owners of the debt. I have never had a contract with XXXX XXXX XXXX. It is also a violation to send debt collection letters with the debt collectors logo.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a PayPal credit account on XX/XX/XXXX. I received a denial from Synchrony Bank dated XX/XX/XXXX, reason for denial : PayPal Credit Account not paid as agreed. On XX/XX/XXXX, I mailed a priority letter to Synchrony requesting the account not paid as agreed. I have attached letter from Synchrony a bank dated XX/XX/XXXX, my letter dated XX/XX/XXXX, copy of USPS mailing. 

I am again requesting the PayPal account from Synchrony. I have attached copies of my letter dated XX/XX/XXXX and USPS confirmation showing letter was delivered and picked up on XX/XX/XXXX. 

Thank you for any assistance you can provide in this matter.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Act Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX  XXXX XXXX has violated 15 U.S.C. 1681 section 602 A, states I have rights 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 consent.

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, 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 accurate.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 would like to state that company is in violation of 15 Usc 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report with the written consent of the consumer. I NEVER gave your company then written consent to furnish a report on my behalf. No consent is identity theft! I demand that you remove the inaccuracies off my consumer report immediately! The inaccuracies on my consumer report are causing humiliation, and distress. You violated 15 USC 1681 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I have not been able to obtain credit, insurance, employment, or housing as well as suffered mental anguish, XXXX, and homelessness. You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy. I demand all negative accounts be removed as followed : XXXX XXXX XXXX. This is a fraudulent account that I have no knowledge of.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I was approved for a personal loan with XXXX XXXX. They stated I would only have one hard inquiry, but I am showing two within a few days.

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 2023-05-08
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 I opened an Apple Savings Account and linked an external bank account ( XXXX  ) to fund the Apple Savings Account in the amount of {$160000.00} USD. On XX/XX/2023 I withdrew {$5000.00} USD back to the funding account, leaving a balance of {$160000.00} in Apple Savings. On XX/XX/XXXX an interest payment was added to the balance in the amount of {$210.00}. 
The current balance of the account was now {$160000.00}. 
I made the decision to move this full amount into another bank ( XXXX ) that provided a higher yield XXXX vs XXXX. The new savings account was opened XX/XX/XXXX and they deposited micro deposits to verify my ownership of the Apple Savings prior to moving the funds. After verifying, the new higher yield savings account ( XXXX ) attempted to fund the account the balance {$160000.00} which resulted in Apple locking my Apple Savings account. I contacted Apple Savings and they said they were unable to process this transfer and that I would only be able to withdraw all funds back to my original account that funded my Apple Savings ( XXXX ). Apple Savings unblocked my account and I was able to submit a request to withdraw my funds. 
I processed this withdrawal request on XX/XX/2023. The Apple Savings account immediately went to a {$0.00} balance. Since the withdrawal request, I now randomly get notifications from Apple Savings saying my account has been locked/restricted which require me to be on hold for hours a time, being passed off from agent to agent while they investigate with no real explanation as to why my account is being locked. 
As far as Apple Savings is concerned per my last call on XX/XX/XXXX, the money from the XX/XX/XXXX withdrawal request has left their system. It's now XX/XX/XXXX and the receiving bank ( XXXX  ) still sees no trace of the ACH being sent from Apple Savings ( I contacted them to verify ). So now I'm stuck with no access to my $ XXXX which is in limbo, with no interest being accrued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: JPMORGAN CHASE & CO.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Hello. So I refinanced my car loan from XXXX XXXX to XXXX XXXX. XXXX sent me a check back in XX/XX/2022 and I deposited the check in my personal Chase account and called XXXX XXXX on the same day and made the payment to be paid off. A month later ( XXXX ) Chase pulled the payment from XXXX XXXX and has been holding the check because they said XXXX XXXX endorsement needed to be on the check. We went back and forth for a month trying to get someone from XXXX XXXX to endorse it but they said the department that deals with that is In California so its no way that could get done. So they told me and XXXX to do a recall on the check so they can send it back to XXXX. XXXX XXXX did the recall and Chase said 45 business days and we waited UNTILL the full 45 business days and Chase had approved it and then canceled it. So XXXX XXXX did the recall process again and Chase approved it and cancel it again. Chase has been holding this check since XXXX and its now XXXX. XXXX has did their part and Chase still hasnt sent XXXX the check back which is causing a financial crisis on me because I am stuck to pay two notes on 1 vehicle. Chase needs to send that check back to XXXX XXXX. Why is Chase holding XXXX XXXX check. I need them to send it back to XXXX so XXXX can reissue me another one so I can pay XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Approximately an hour ago I ordered a FREE TRIAL of XXXXXXXX XXXX XXXX and was charged {$24.00} for the free trial. I immediately requested a cancellation and refund of the order which XXXX did. Now Chime has every excuse under the sun for not giving me my money including the merchant never issued a refund which I have proof they did including case number, chat, and email which I have forwarded to them while also stating it was never taken out of my account which it has and is pending. I do not understand why Chime can not just stop transaction or " loan '' the money to me like every other bank in the world does. 

I have had it. First I have to fight for my direct deposits, then I have to wait days or even weeks for a refund, now I have to fight for a refund that should not have been purchased in the first place.

Company response to consumer: Closed with explanation