BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-12
Company: Experian Information Solutions Inc.
State: OK
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:
In XX/XX/XXXX, I received my first statement from University XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating my Title XXXX Federal Student Loan was going to be reported delinquent. As a result, I asked Federal Loan Servicer XXXX XXXX to consolidate the Title XXXX Federal Student Loan with my other student loans.  On XX/XX/XXXX, my XXXX Title XXXX Federal Student Loan was consolidated to my other XXXX XXXX Federal Student Loans, which are frozen in Federal Unemployment Deferment, as noted in the attachment from XXXX XXXX. However, XXXX reported me as delinquent in XX/XX/XXXX. My XXXX Title XXXX Federal Student Loan is not delinquent in XX/XX/XXXX, since it was consolidated in XX/XX/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 2022-08-16
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Transworld Systems Inc. attempted to collect a debt ( electricity bill ) from me on XX/XX/2022. No phone calls were made, no voicemails were left, and no signature confirmation delivery was made to my home address. As a result, I did not know I had a debt until my credit score was attacked. I attempted to dispute this matter with Transworld Systems and with XXXX, but to no avail. The XXXX dispute result ( see attached ) recommended I dispute with Transworld Systems directly. Transworld Systems told me that they do not do derogatory mark deletion and that I need to contact a professional service to do so. I believe that this was a very unfair attempt at collecting a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
on or about XX/XX/XXXX I requested a copy of a cancelled check I wrote on my home equity line I was given the check # XXXX the amount XXXX .I was told it would be sent out & I would have it in 7 to 10 days .on XX/XX/XXXX I called again & spoke to supervisor XXXX .I told him that I never received the image I requested he said we sent it I asked him to please e mail it he said no I ask him to fax it to the bb & t XXXX branch he refused to do that he said it would be sent out & I would have it Friday & he would call me on Friday to make sure I got it .I have n't received to date or a call from him I went to the XXXX branch the following week & spoke to XXXX the manager she could n't find the image she called XXXX XXXX XXXX & XXXX both called me the next week to tell me the image did n't exist .the following Sat. my girl friend received a packet in her mail addressed to XXXX XXXX & XXXX XXXX in XXXX va. Not XXXX va. the address I gave them over & over. in it were 3 years of statements for XXXX & XXXX XXXX in NJ.i call XXXX & she denied sending it to me. I told her I am a letter head with my on it & she signed it .still denied sending. they also took {$330.00}. out of XXXX account for there statements .they cant tell me where my paperwork is or why I have n't received it. please help us .XXXX needs to be reimbursed. please call me 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 2018-06-01
Company: Selene Finance LP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX and XX/XX/XXXX requested a loan modification package from Selene Finance, no correspondence from them until the last week of XXXX after several attempts. Submitted loan modification application and supporting documents immediately ( XX/XX/XXXX). Called and left message with ( XXXX XXXX - Point Of Contact - Assigned to my account ) to follow up days later to make sure that Selene Finance received the full/completed package. Did not hear back from XXXX XXXX/Selene, until ( on/or about ) the week of XX/XX/XXXX by mail, acknowledging receipt of my information ; however, Selene had deemed my package incomplete and was requesting more documentation sent to them by XX/XX/XXXX in order to proceed with their review and consideration for my request for loss mitigation. On XX/XX/XXXX called Selene/XXXX XXXX,, no answer, got her voicemail ( typical ), zeroed out to speak with member on her team. The reason for my call was to follow up and make sure that Selene had all of the requested documents in order to complete the package.so that they could proceed with the review. During the call ( XXXX XXXX EST ) I was told that a decision was made on that day to deny my loan modification. I asked the Rep for Selene ( XXXX? ), what was the reason for the denial, at the point she put me on hold for a few moments, when she returned she stated that it had do with my business income ( XXXX. ). During the exchange I had informed her that I've made and was making payments all year, and did not understand why I was not approved on a trial bases. She began to insult me to he point I felt DISCRIMINATED against at which time I ended the conversation. Hours later ( XX/XX/XXXX ), I then receive a call from XXXX XXXX, stating that her colleague forgot to offer me a one time, keys for cash option of XXXX, to move out of my house in 30 days. I TOLD HER THIS WAS NOT AN OPTION although my house is scheduled for an upcoming foreclose sale on Tuesday, XX/XX/XXXX. I proceeded to try an negotiate a trial base loan modification with XXXX and she said No, shortly after that the call ended. 

I am disputing the debt. the debt has not been validated. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/2020 fifth third bank took XXXX out of my savings, and took XXXX out of my checking. I have been banking with them for years and they have never taken anything from my accounts for this " credit line ''. they say it was for a credit line that was not paid. but I know I paid it and they're saying they have proof I did not but not proof I did. they took everything I had except for XXXX cent in all my accounts. they have erased other transactions I've tried disputing before also, and I've heard of them taking other people 's money before also. This ruined my life as of now, making me unable to now get my apartment and manage the cost of living. They do not care. they say they have the right to offset, but never have before. even when I've had hundreds of dollars in my account. Even if I did owe them, they say anything unpaid will go to collections. They practically stole my money today and it seems they have wiped out all my proof of paying but seem to have proof I didn't pay. This feels so shady and I just want justice before they do this to someone else. Its left me with nothing and that money was all I had and they have taken it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
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: Old information reappears or never goes away

Complaint:
To  Whom It May Concern,   On   XXXX   I disp uted an account reported  by   XXXX   XXXX   XXXX   i n the file you maintain under my Social Security number.   I was infor med o  n   XXXX   that  the item was deleted from my credit report.   Now I have discovered that the item has been reinserted on my credit report.   In accordance with the requirements of the FCRA secti  on 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) N  otice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later  than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means av ailable to the agency.  <P/> I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.   I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attor ney Generals Office, and  the BBB.   Please govern yourself accordingly.

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 2022-04-04
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
In XXXX of XXXX made a monthly payment of {$450.00} towards my auto loan viaXXXX XXXX. I received then received a notification from my XXXX XXXX credit reporting account that a payment was 30 days passed due. after further investigation I was able to determine that theres a continued glitch and error on my app that will no longer allow me to make XXXX XXXX payments via-MobileApp ( see snapshots attached ). I contacted XXXX and after multiple attempts they concluded that they are unable to fix the problem with my MobileApp.and that I needed to make all future payments via-phone call on their automated XXXX XXXX over a phone using my checking account information. I highlighted to customer service ( XXXX ) that my payment never went through due to system error with the XXXX XXXX and I shouldnt have been penalized for the late payment due to XXXX  technical issues. After multiple attempts to remove the 30 day late mark on my credit over the passed 2 months I have reached exhaustion and have had no resolution to fix my credit. 

I have had the auto loan since XXXX of XXXXand I had never been late on a payment until the faltered XXXX XXXX never processed my payment and severely damaged my credit ( see snapshot of payment history attached ). Im asking for a one-time good will gesture to remove the late payment reporting due to XXXX faulty MobileApp. This negative item is preventing me from receiving an extremely important loan for my business. Thank you for your consideration.

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 2019-08-05
Company: BCB Investments LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is my third complaint through CFPB for this company that has been reporting information on my credit report without notifying me of the collection or giving me a right to dispute the debt before reporting to my credit report. Reporting a debt without notice or right to dispute is a violation of the FCRA. This company had continued to report even during multiple disputes which is also a violation since items can not be collected or reported during a dispute. Reporting an item is still an attempt to collect. There are so many violations and this account still had not been removed. This debtor also still had not proved that I owe this debt at all which I know I dont owe

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions 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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from 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 explanation
Consumer complaint received 2021-11-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2021 XXXX XXXX XXXX {$2500.00} XX/XX/2021 XXXX XXXX # XXXX {$2000.00} XX/XX/2021 XXXX # XXXX {$2900.00} On XX/XX/2021 and XX/XX/2021, the charges above were made with my credit card. 

I notified the bank immediately that the charges were fraudulent. However, after they investigated, the found that my physical card was used and because it had a chip in it, determined that I was liable. 

The problem is that I opened the account on XX/XX/2021. However, I never received the initial card. Some time before XX/XX/2021, I reported that I never received the card, and requested a new one sent to me. Importantly, I asked the representative to cancer the initial card since it was lost or stolen. However, he may not have canceled the first card before sending me the second card. On XX/XX/2021, I found the 3 fraudulent charges above and reported them to the fraud prevention team. 

After the Chase investigated, they said that I was liable for the charges because a chip card was used and it is nearly impossible to counterfeit those cards. It may have been that the first card that I never received was used. If so, I should not be liable for those charges since I did not make the purchases and the representative should have canceled that card when he sent me the second.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-14
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received 2 debt collection letters from LEONARD & ASSOCIATES demanding payment for a total of {$160.00}. 
I did go to XXXX XXXX in 2 of its locations One is to get information and in another occasion I received an Attention by a Nurse not by a License Doctor, I fully dispute the amount this Debt Collector states in their 2 debt collection letters. 
I'm attaching a Dispute Letter to get the proper response from the Original Creditor as Well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
To Whom It May Concern, On  XXXX / XXXX /   2017  I disputed an account reported by  XXXX   XXXX ,  XXXX  in the file you maintain under my Social Security number.   I was informed on  XXXX / XXXX / 2017  that the item was deleted from my credit report.   Now I have discovered that the item has been reinserted on my credit report.   In accordance with the requirements of the FCRA sectio  n 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 busine  ss days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.   I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorn ey Generals Office, and  the BBB.   Please govern yourself accordingly.

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 2022-04-04
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: Account information incorrect

Complaint:
Someone applied for loans from XXXX XXXX XXXX  and XXXX XXXX  DBA XXXX XXXX. Now there are a total of 4 hard inquiries on my credit report that need to be removed.

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 2020-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 can't open a bank account or cash checks

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 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This acct is showing a miss payment as of XX/XX/XXXX this acct has been closed since XX/XX/XXXX and some has ever contacted me about this acct!!

Please remove this from 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 explanation
Consumer complaint received 2021-11-18
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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Name : XXXX XXXX XXXX XXXX XXXX Wrong Addcress : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Please update this account completely from my Credit 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 2020-02-28
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I am a victim of ID theft and I have received letters from consumers that Accounts will be removed from all credit reports, but when I look at my Experian they are still reporting accounts that I was informed my merchant is removed, I have wrote Experian no response I have tried calling Experian I cant ever reach a live agent please have Experian to remove all degrogatory accounts as XXXX and XXXX did ... such as XXXX, XXXX, XXXX, XXXX XXXX and so on

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 2020-02-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries on my credit report that I did not do, I wrote all 3 credit bureaus they requested me to contact consumer the consumer state they can not locate a Credit inquiry from me and want asst with removal.

Company response to consumer: Closed with explanation