BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

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 2022-05-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card
Issue: Other

Complaint:
There was a balance on my credit card. I was informed that the money from my savings account would be released ice I paid the balance. After passing the balance, they transfer money from my savings toward the credit card. I was never notified of there intention to close the credit card or to take money from my savings account. Without notice of choosing the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeatedly told them to NOT call me at my jobI still get calls at work. They also repeatedly call me every day, 3-5 times per day!

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 2022-09-30
Company: Genesis FS Card Services, 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:
I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Credit Plus 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:
I recently checked my consumer report and noticed there was an inquiry from credit plus a company I never gave authorization to or known of.The date of the inquiry was on XX/XX/2021 I sent credit plus a demand letter stating that they were in violation of the fair credit reporting act and they sent me back a letter stating that they got my information from another company without my authorization which is Fraud Pursuant To the fair credit reporting act. I have attached files supporting my claim 15 USC 1681B-permissible purpose of consumer report 15 USC 1681M ( f ) -Requirements on users of consumer reports 15 USC 1681N ( 1 ) ( B ) -Civil liability for willful noncompliance 15 USC 1692B ( 5 ) -Acquisition of location information 15 USC 1692C ( 3 ) -Communication and connection with debt collection 15 USC 1692J-Furnishing certain deceptive forms

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: FIRST NATIONAL BANK OF OMAHA
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I received a letter stating that I have a lock on my XXXX  credit account and that I need to unlock it in order to continue the prequalification process. 

I called the FNBO on XX/XX/2021 to check on the meaning of this letter because I had applied for credit on XXXX XXXX and when I would look online at the status of my application it was still saying pending. 

the first line of representative I spoke to put me on hold to contact the relevant department about why my account is saying pending but I received this letter. 

I was then transferred to a representative on a recorded call who told me her name was XXXX and rep number XXXX between about XXXX XXXX eastern standard time. 

She accused me of lying saying that they never sent me any letter about lifting a credit freeze and that she doesn't believe that I have such a letter. 

She informed me that a letter was sent requesting more information from me in order to continue with and complete the application process. To which I informed her and other reps that I applied on XX/XX/XXXX and it's the XXXX of XXXX and I have not received said letter. I then requested if the letter requesting more information could be resent, emailed or if they could inform me over the phone what they needed from me so I can get it to them. 

I was told by the rep who accused me of lying and latter her supervisor that they can not resend the letter requesting more information, and that if I do not submit the requested documents my application will expire as I have failed to submit requested documents. 

To which I again informed all parties I only received a letter requesting to unlock my credit account not anything requesting more information. 

So in the end I will not be given an opportunity to know what it is the creditor needs from me in order to complete the application, and I will be denied for failure to submit requested 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 explanation
Consumer complaint received 2023-10-22
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company in question is : XXXX XXXX XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX My husband and I have been customers of XXXX since XXXX. We have had four separate accounts- two on our primary residence and two on a 2nd home. We sold the 2nd home the end of XX/XX/XXXX. Of the two XXXX accounts on that property, one was for the main house and the second for a guest unit. In early XX/XX/XXXX I contacted XXXX to inform them of a pending sale and to close both accounts as of XX/XX/XXXX, a month after the escrow was to close. In the meantime ( just in case escrow did not close ), I paid the {$840.00} due for XXXX XXXX XXXX XXXX for the alarm system in the main house ( see attached statement and proof of payment including the bank statement ). 

Escrow did close the end of XXXX and XXXX closed the two accounts as of XXXX XXXX. We were to receive a refund for the unused portion of {$840.00} which to this day we have not received. I contacted XXXX about this multiple times. Each time I was told that the accounts were closed. On XX/XX/XXXX, I received a statement in the amount of {$910.00} for the closed main house account ( see attached ). I called and spoke with XXXX at XXXX. He confirmed that the account was closed on XX/XX/XXXX and that we did not owe anything to XXXX. He gave me the confirmation number XXXX. 

On XX/XX/XXXX, I received a notice from Source Receivables Management ( debt collector ) for {$79.00} ( see attached ). I called Source Receivables and asked why this was sent and I was told to call XXXX. 

On XX/XX/XXXX I called XXXX and was told by XXXX XXXX XXXX that I did not owe anything and that I would get my refund within 7-10 days. He also said that I would receive a letter from XXXX. He sent me an email which is attached. I have not received an official letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : 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 2018-05-08
Company: GVA Holdings, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I called on XX/XX/XXXX to find out what my payoff balance was for my {$600.00} loan and was told that it was {$810.00} and that was totally surprising to me because I've already paid 5 payments of {$130.00} ; my payments are biweekly. I asked why was my payoff balance that high and was told that only {$48.00} was going to the principal and that {$92.00} was going to interest and fees. Initially I thought I was told that my interest rate was 25 % but was shocked by the fact that it was 625 %. I was then told that I could increase my payment amount and that would lower the amount that was owed. I reached out to XXXX XXXX again regarding the extremely high interest and told them that that was against the law in Maryland. I stated that the most that can be charged per year according to your website is 24 %. The representative ( XXXX ) told me that because XXXX XXXX is a part of an XXXX community that our laws does not apply. I really need to pay this off but without the interest rate being lowered, appears it will take almost a lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: HI
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 sent a letter to Experian dated XX/XX/2022 regarding XXXX XXXXXXXX XXXX ( account # XXXX ) that is showing on my credit report Upon closing of their investigation their report # XXXX results stated " Remains '' The account can " Remain '' HOWEVER I am hereby requesting that all lates be deleted. 

I have been a victim of their breaches and their failure to remove the information will result in a lawsuit per FCRA regulations Theyre not a government agency and I believe theyre colluding as their business entity is a publicly traded company and this seems to be some sort of extortionate credit transaction. 

These errors have caused a denial of extension of my own credit to me

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 2022-05-19
Company: Experian Information Solutions Inc.
State: NJ
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:
" I have submitted disputes to you and I didn't received a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you. ''

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 2021-06-03
Company: EQUIFAX, INC.
State: VA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. FDCPA SECTION 807 VIOLATION for misleading false reporting! Along with the violation of my right to privacy 15 USC 1681 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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:
I recently received my credit report with a wrongful charge by XXXX XXXX on behalf XXXX XXXX XXXX XXXX  under my name. It states that a line of credit was opened on XX/XX/2022 in which I have not opened, signed for or authorized in any way. 

My daughter XXXX was living at the address this loan is associated with and in which I co-signed for her lease, but I never authorized taking out a loan from XXXX XXXX and didnt even know of such thing existing until I received my credit report. 

Furthermore, XXXX was trying to pay the amount owed of {$910.00}, but there is no way of doing so on the app that is used for such and weve tried calling and emailing the company, but you get the run-around. Company does not answer phone. They direct you to email support and then you get no response.

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 2019-01-31
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
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 moved out of the apartment I rented before lease expiration date as it was dangerous to continue living there. There was a crack in the concrete ceiling that was growing in length and width and the landlord refused to fix it. I paid for the months I lived there in full. 

The landlord demanded two additional rents plus {$300.00} and they reported ( and probably sold this 'debt ' to FCO ( debt collection agency ). The collector sent me a letter demanding to pay this money, I replied with a dispute letter explaining the situation and requesting debt verification. 

The collector didn't verify the debt and escalated the case to credit report agencies ruining my credit score. I believe they violated Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ).

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 2023-05-09
Company: Mr. Cooper Group Inc.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My mortgage was transferred from XXXX XXXX XXXX XXXX to Mr. Cooper/Nationstar on XX/XX/XXXX. When I was notified of this transfer, I immediately applied for auto pay with Mr. Cooper to make absolutely sure my mortgage was covered for XX/XX/XXXX. Unbeknownst to me, Mr. Cooper did not process my payment through the auto pay system so it showed that I did not pay for XX/XX/XXXX mortgage payment. The auto pay system went into effect on XX/XX/XXXX, so the late payment kept spilling over for the next 6 months. 

Mr. Cooper/Nationstar then reported to the credit bureaus that I failed to pay 4 payments and that lowered my credit score over XXXX  points from around XXXX  to XXXX. All of this was while I had more than sufficient funds to pay the loan off in full in my bank account. I did not realize the hit until I tried to apply for a new mortgage and my credit was lower than usual. My history of paying mortgages was flawless up until the events of XXXX XXXX XX/XX/XXXX. 

This event has hurt my credit very badly and I feel this error is not my fault as I believed the autopay covered that payment on XX/XX/XXXX. I had zero idea they did not process that XX/XX/XXXX payment until they let me know in the fall of XXXX. Afterwards, I payed an extra payment in XXXX to cover everything. 

I requested an investigation to their research department and it came back as no errors on their part and they refused to fix this with the credit bureau. I desperately need the CFPB 's help on this matter as Mr. Cooper is failing to cooperate and fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-04-04
Company: EQUIFAX, INC.
State: DE
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:
Account not mines. Submitted FTC report. 

1 Original creditor : {$90.00} Account number XXXX 2. Original creditor : {$650.00} Account number XXXX Remove Inquiries 3.XXXXXXXX XXXX  4.XXXX XXXX XXXX XXXX 5.XXXX 6.XXXXXXXX XXXX XXXX XXXXXXXX 7.XXXX XXXX XXXX 8.XXXX XXXX 9.XXXX XXXX 10.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: JPMORGAN CHASE & CO.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023 I had {$3200.00} on my XXXX  ( XXXX XXXX  ) I went to transfer it to my bank but didn't realize that the account was an old account from Chase Bank that was already closed. I have contacted both XXXX and Chase Bank to they keep going back and forth and still have no money. 

When I contacted Chase they stated that they reversed the transaction. They provided me with these two numbers : Trace # XXXX Trans # XXXX They stated that XXXX XXXX  ( XXXX XXXX XXXX ) has the money and XXXX says that Chase told them that they had it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, 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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I submitted an FTC Identity Theft Report # XXXX on XX/XX/2021. I sent a copy of my FTC report, an identity verification document, as well as a cover letter with my current address and all of the information that is fraudulently on my report to Equifax Information Services ( please note that all supporting documents are attached below ). This report along with all other information listed in the attachments below were sent certified mail to Equifax on XX/XX/2021, and was received by them on XX/XX/2021. There are accounts, addresses, inquires, and employers listed on my credit report that are fraudulent, have ruined my reputation, and have hindered me from obtaining certain goods and services needed to support my family. Pursuant of the Fair Credit Reporting Act, section 605B, Equifax is required to block the fraudulent information on my credit report resulting from identity theft within four business days of receipt and to promptly notify the furnisher ( s ) of that information.I spoke on the phone with a representative of XXXX  who, after verifying my identity and acknowledging receipt of my FTC report, stated that the addresses and fraudulent accounts could not be removed. They are willfully supporting criminals who are stealing identity information to obtain goods and services causing ordinary people like myself to be held responsible. Equifax has violated my rights and federal law with their unscrupulous business practices.

Company response to consumer: Closed with explanation