BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
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 out of country from XX/XX/XXXX to XX/XX/XXXX and when i come back to state i've noticed that my credit score was huge dropped and i look into my account and i had a late payment history which doesn't make sense to me so I looked up my credit report and I noticed that XXXX XXXX XXXX XXXX reported late payment of {$8.00} dollars on my report which I didn't use this card over the 1 year period and I did set up Auto Payment to avoid any missing payments all of my credit card company includeXXXX XXXXXXXX XXXX XXXX  I called and explained that It's not possible to late payment occurredin my account and they said it was some kind of unusual membership charge and that charge can not be processed using auto payment system which is nonsense and I told them I was out of country more than 6 months and I never use credit card during the period and I requested them to reinstate my account status as a current so that my credit scores back but they declinedmy request. This is an absolutely unfair act and I do not deserve XXXX points dropped because of the unusual membership charge or whatever they call it. Please help me on 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 non-monetary relief
Consumer complaint received 2019-12-26
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In case XXXX the responsibility for mortgage was assigned to XXXX XXXX XXXX XXXX failed to make payments until the home was sold on XX/XX/2019 I am asking that late payment activity is removed from my credit report and the case holds me harmless from responsibility

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 2017-08-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check at Chase Bank for my Chase account using the ATM machine. The check deposited was a check from a company owned by me but from another bank ( other than Chase Bank ). The following day I attempted to use my ATM debit card from Chase and was told the charge was declined. I immediately logged into my online banking and saw the deposit made the prior day was showing as a " pending '' deposit. On XX/XX/XXXX( XX/XX/XXXX) I personally went to the Chase branch to discuss the issue and was told the Chase Bank review process identified the deposited check ( from my own company ) was placed on a hold until XX/XX/XXXX ( 11 days from the date of deposit ) because it appears the check may not clear. I explained it was from my company and there was more funds in the account than the amount of the {$2500.00} check deposited. The branch manager at Chase said he would call another department at Chase and try to get resolution and he would call me. About 45 minutes later the manager called and said there was nothing he could do the hold was placed by Chase in the review department. Today, I received a printout from the bank where the check was written and the check cleared that bank on XX/XX/XXXX. I went back to the branch and presented the written documentation. The branch manger also called the other bank to verify the check number, amount and the date the check cleared ( XX/XX/XXXX ). The manager then attempted to release the hold but the Chase Bank system would not allow so he said he would again call the department at Chase and call me back later in the day. He called back and now said Chase informed him that it appeared the check I deposited may be a duplicate check number and they would not release the hold. I called Chase Bank and after speaking with two representatives was told the same story and they would not release the funds until XX/XX/XXXX. Hence, my complaint against JPMorgan Chase Bank. The end result is that the funds cleared my business account on XX/XX/XXXX, XX/XX/XXXX and I have no access to my funds ( {$2500.00} ) until 8 more days ... ... so that will result in me being unable to make payments or pay bills from my Chase account and possible automatic withdrawals being denied. It is completely unjust for a bank to withhold funds for 8 days after the check cleared the other bank and it was verified by representatives of Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Foreclosure sale is Monday XXXX XXXX, XXXX. 
We have asked for short sale to non-profit and have been unable to get cooperation from the lender. We have provided them with contractor estimates, but they have been unwilling to review them and accept them. They are misrepresenting the condition of the house to the lenders for the foreclosure sale. We have sent them a qualified written request in XXXX, XXXX and again today, XXXX XXXX, XXXX. 
They do not seem to be willing to review the actual condition of the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: TN
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 recently submitted a complaint against XXXX regarding erroneous billing and charges this week through the CFPB and requested to send the complaint to XXXX. XXXX emailed and said they were reviewing on Monday or Tuesday ( XX/XX/XXXX or XX/XX/XXXX ) but still no response to why they are stating deliquent payments when I have overpaid them 7 times the required amount I was awarded to pay. This morning, XX/XX/XXXX I received a notification stating that my credit had decrease by 3 points. When I went to view the reasons for changes it clearly states that now XXXX has increased by balance by {$2000.00}!!! Please review my account and make this stop!!!

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 2017-08-24
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a bankruptcy showing in my background check. By law as of XX/XX/XXXX 2017, this should n't reflect. This is hurting me from getting a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Experian Information Solutions 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 ACCOUNTS AND INQUIRIES THAT ARE DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I MADE. I DID NOT AUTHORIZED THOSE TRANSACTIONS TO BE REPORTED ON MY CREDIT, THESE ACCOUNTS WERE INACCURATELY PLACED. I ASKED THAT YOU CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS AND INQUIRIES PURGED OFF MY CREDIT FILE.

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 2019-12-26
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/19 I stayed at the XXXX XXXX  n XXXX. They placed a XXXX pending charge. This charge has now been pending for 14 days with XXXX telling me they released it on XX/XX/19 and my credit card company, Goldman Sachs ( Apple Card ), still shows the charge as pending. All they have told me is there is nothing they can do. They even said charges should be returned within 5-7 business days, but when asked why this has exceeded that, Goldman Sachs only said to keep waiting. I have asked multiple times about a policy in place that prevents merchants from holding on to pending funds in perpetuity, only to be ignored on the several times I have asked that question. I feel like this is a very foreseeable issue that a credit card company would face and am deeply concerned that a policy does not exist to allow for consumer recourse on this issue. I have reached out to them multiple times and have been stonewalled each time and told to keep waiting, but they wont tell me for how long. This is not right that Apple and Goldman Sachs are letting my funds sit with an outside company with no way to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Experian Information Solutions 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:
I contacted XXXX about some unauthorized inquires on my credit report to which they responded " call the creditors '' .This credit reporting has been very rude and unprofessional in dealing with my complaint.The inquiries are XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX on 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 2017-08-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Unable to have XXXX, Equifax, and XXXX ( XXXX XXXX ) update my credit reports for creditors XXXX XXXX XXXX XXXX ( credit card ) and XXXX XXXX XXXX XXXX ( auto loan ) to current and correct data. I have disputed these creditors at least four ( 4 ) times in the last three ( 3 ) months. They keep sending me credit report updates that state, " Results : DISPUTED INFORMATION UPDATED ; ( OR ) DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED. '' After reviewing credit reports, the information is still unchanged. 

The following creditors have been disputed with NO updates on credit reports : Creditor 1 : XXXX XXXX  XXXX XXXX XXXX ; Dates disputed : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 
Dispute : XX/XX/XXXX and XXXX XXXX payments not " 30 days late. '' ( Actually confirmed with XXXX XXXX XXXX XXXX XXXX that they ARE NOT late. ) Creditor 2 : XXXX XXXX XXXX XXXX ; Dates disputed : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. Dispute : Data entry is not current/correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Herbert P. Sears Co., Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection agency is not licensed in my state and I am requesting it to be removed from all 3 credit bureaus.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
XX/XX/2020 I purchased a NetSpend prepaid credit card and I added {$200.00}. I then tried to register the card, to use it, but I was not unable to, I was transferred to a representative, and was told they would not allow me access to use Netspend and my money would not be available to use on the prepaid card ... and further, the representative on the phone told me that I would received a {$200.00} check in the mail, sent to my home, I never received a check and never was not allowed access to my personal property, my {$200.00} ; and further NetSpend phone representative would not disclose the reason for their decision to access my money on the prepaid NetSpend card. 

6 Weeks later, XXXX again for the return of my {$200.00}, when I asked to speak to a supervisor I was put on hold for an hour and 10 minutes during the transfer.

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 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.

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 2022-05-02
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, ATTORNEY GENERAL account # XXXX and # XXXX, XXXX / XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I 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 my 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 2022-10-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

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 Equifax 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, aswillful negligence and non-compliance with federal statutes. Please update this account : XXXX XXXX XXXX Balance Owed : {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, ATTORNEY GENERAL account # XXXX and # XXXX, XXXX / XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I 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 my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: WELLS FARGO & COMPANY
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently went to finance a car so I have 4 recent inquiries, I downloaded my transunion report and its showing multiple inquiries that I dont recognize. Some are car inquiries from before my car purchase, the car I had before the one I just bought was bought cash so those inquiries werent mine. Theres also some inquiries from what seems to be credit card for different stores. 
XXXX  XXXX on XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Wf/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

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 2019-12-26
Company: Monterey Financial Services LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I terminated the contract by returning the puppy to a no kill shelter. The contract was to be reduced to half of the loan amount due to termination yet, the lender is attempting to collect the full amount and accrual of monthly rental fees for the puppy I no longer possess.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Debt Collector called one of the lines on my phone plan which was not my number. They went into detail and advised I owed {$700.00} for a bill in Pa, that I did not disconnect service and the company did not until 2 months later. I moved in XXXX 2016 they stated XXXX 2016. They argued that they wanted it to be known. This is untrue and embarrassing that they called someone with my personal information and gave full details. I have n't received anything from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: EQUIFAX, INC.
State: OH
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 disputed the inaccurate reporting or errors on my credit report with documentation. XXXX  did not remove the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX, as required by law, offers a method to obtain free credit reports from the 3 major credit reporting agencies. It offers an online method through XXXX. However, just as I did when I tried a few years ago, when I selected free credit reports from all three agencies, after I completed the steps for the XXXX report and received it, I clicked on the tab to move on to the next report ( the TransUnion report ).  The next screen gave me the option to exit the site or cancel. It did not take me on to the TransUnion report. 

This is what the agencies do. They put up obstacles to getting free credit reports in the form of glitsches in the online process. The website does n't work and the consumer is left to use a slower and more cumbersome process, such as ordering by mail, or paying for the reports. 

This is a SCAM that the credit reporting agencies have been running for years. It happens every time I try to be my free credit reports.

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 2017-08-24
Company: Aargon Agency, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX, a medical equipment company, improperly submitted a claim to our insurance company. I contacted the company, after speaking with our health insurance, and asked that the claim be resubmitted. We did not receive a second statement and the debt ( XXXX ) was submitted to AARGON, a collection agency. We have filed a formal grievance through the insurance company but XXXX refused to resubmit the claim using proper medical coding and refused to assist either my husband ( the patient ) or myself with the claim. The first telephone contact with XXXX was made in XX/XX/XXXX after we received the insurance explanation. My husband, myself, and our insurance company all attempted to speak with their company without success. We received a notice of collection dated 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