BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-04
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:
I have filed disputes with the XXXX, XXXX and transunion I have yet to get an response from them. I realize things are slow right now they can still reply within the time allow by law

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 2020-10-16
Company: Capio Partners, LLC
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: Old information reappears or never goes away

Complaint:
I have 5 debits listed that continue to change listing dates. Two of them in  the amount of {$19000.00} and {$1100.00} where acquired XX/XX/XXXX and are listed on my credit report as opening a second time in XX/XX/XXXX. I have another two for XXXX XXXX that where acquired at the same time in XXXX yet they have been relisted as XXXX and XX/XX/XXXX.The last one that is incorrect is the nationwide recovery for the amount of {$260.00}. It is listed with a date of XXXX. I have not been seen by this hospital since XXXX. So the date should be from XXXX not XXXX. When the debits come close to the 7 year mark they are taken off and then relisted. Just as the one For {$19000.00} it was listed in XXXX and now again in XXXX. The ambulance one from XXXX for the amount of {$1100.00} was listed the same day as the {$19000.00} and its date has not changed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit 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:
I sent multiple letters this summer in XXXX and XXXX for XXXX disputed charges. The first occurred on XX/XX/2023 ; the merchant was named XXXX XXXX. the total was {$830.00}. The firm never provided the services agreed to in our contract, and I worked directly with them on a resolution, but no such solution was ever met, and when I sent in the dispute, nothing was resolved at all on Chase 's end. Chase took no action to help. Then it happened again with Rush PATIENT PAYMENT For {$2100.00} on XX/XX/2023. I had already made payments on my care credit card and should never have been charged. They charged me without my permission, as my credit took care of the bill, and Chase did nothing to rectify or adequately investigate the situation. 

Both times, I sent letters in the mail within 60 days but received no response until I called in and sent the letters again, this time with an electronic record via the mobile app/website. I believe their lack of action is due to the fact that I am a XXXX XXXX, and they see it as their right to deny proper service to XXXX XXXX. 

There is no doubt in my mind this type of inaction an anti-consumer behavior has occurred with thousands of other Chase clients if my experience with their customer support is representative of the firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ncb management service at XXXX XXXX XXXX XXXX XXXX, pa XXXX submitted a collection account to my credit report on XX/XX/XXXX owing a past due balance of XXXX i dont know this company. i have never done any business with this company. this company does not have a contract with me or with my signature. .its stating account opened in XX/XX/XXXX, and a report date of XX/XX/XXXX. I havent recieved any correspondence from this company prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint applies to Nationstar Mortgage LLC. I pay my mortgage online, generally, except for a couple times when the website was not working. This past period ( XX/XX/2017 ) I received notice that my mortgage payment had been withdrawn from my account although I had not made any payment. I contacted the company via their secure email and inquired as to who had authorized an automatic payment. After a few days I received an email response telling me what an automatic payment was and how to sign up. They did not answer my question as to who authorized an automatic payment. Yesterday I received a notice placed on my door that I should call them. This type of notice is typically a prelude to foreclosure action. Given the litigation against all mortgage lenders and servicers concerning fraud, illegal foreclosure, and other criminal behavior since the mortgage meltdown and recession, I do not trust these entities including Nationstar. These outfits are basically fraudulent enterprises as is evident by all of the lawsuits filed. It is n't clear to me what their angle is, but they were NOT authorized to withdraw funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: FIRST NATIONAL BANK OF OMAHA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had applied for the Evergreen credit card with FNBO bank ( https : //fnbo.com/ ). The application was submitted on XX/XX/XXXX ( APPLICATION REFERENCE NUMBER XXXX XXXX XXXX XXXX ) The bank asked me to submit the driving license, W2 for last 2 years and the Social security card and I faxed the documents over to the Bank a week back. The bank then said that my Social copy was NOT clear so I emailed them my Social card yesterday XX/XX/XXXX. 

Today the bank declined my credit application without any valid reason and its almost after 2 weeks I come to know that I am denied for no reason. I think the Bank is not treating all the customers equally in financial lending. Hence I am very disappointed and raising this complaint against FNBO.

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 2023-10-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX XXXX # XXXX -- {$22000.00} XXXX XXXX XXXX XXXX XXXX # XXXX -- {$13000.00} XXXX XXXX XXXX XXXX XXXX # XXXX -- {$350.00} XXXX Closed Accounts : XXXX XXXXXXXX # XXXX ( late payment ) -- {$450.00} XXXX XXXX XXXX XXXX # XXXX ( charge off ) -- {$220.00} XXXX XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX 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 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 Any other adverse item 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report XXXX XXXX  XX/XX/2020 XXXX XX/XX/2020

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 2017-01-31
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My current mortgage is Nationstar. I fell behind on my payments and started bankruptcy in XXXX after reduction in hours at work. In XXXX XXXX I defaulted again w Nationstar and my bankruptcy case was dismissed. Since this in XXXX XXXX when it was dismissed I have tried to do loan modification. After filing all the forms they requested they kept making excuses that my paystubs could n't be read. To resubmit this and call back next week. End of XXXX XXXX I still had not gotten anywhere because they were still not happy with my paystubs and trying to read them even after explaining paystubs work days and check amt. I hired a company to modify loan for me. Again they made me resubmit all the packet since they no longer had my paper work. Again complete paperwork requested was submitted last Fri they are requesting wages for a week in XXXX I did n't work. They also requested I resubmit their tax document form XXXX XXXX current date and not the date of when I first filed in XXXX XXXX. In the meantime they somehow put a for sale date on my home for next week XXXX XXXX and failed to inform me. I have to resort to spending another XXXX to file bankruptcy again. The balance on my loan? {$14000.00} The company I hired has worked w them in the past and the person helping me directly says they are clearly trying to keep the home that he has never encountered such trickery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: SYNCHRONY FINANCIAL
State: AZ
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:
My XXXX credit score dropped 52 points due to a FALSE report from " Syncb National Credit Cards/Airlines '' as of XXXX. It has been falsely reported with this information XXXX, XXXX and XXXX. 

Syncb will not assist to remove or dispute the false report and I find no support from XXXX XXXX either. 

Please help me to dispute this and remove all record of this from my credit score as it has been FALSELY reported as of XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm trying to access my account with Equifax to be able to unfreeze and re-freeze my credit information through their website ( https : //my.equifax.com/membercenter/ # /login ) and I keep getting this message : " The email and password combination you entered is incorrect.Please try again. Your account will lock after 3 incorrect attempts. '' I was a victim of identity fraud and that is the reason I placed a credit freeze with all three major credit bureaus, but I'm currently shopping to refinance my mortgage and need the ability to quickly unfreeze and re-freeze my credit information. I called Equifax on XX/XX/2020 around XXXX XXXX and spoke with XXXX. She unlocked my account and asked me to reset my password, which I did. She told me to wait 24 hours before attempting to sign in with the new password. After waiting 24 hours I attempted to sign in and got the same message. I called Equifax again on XX/XX/2020 around XXXX XXXX  and spoke with XXXX. I told him what had occurred and that I was still not able to sign in. He stated that he will escalate my issue and I should hear back from Equifax within a couple of weeks.That same day I also sent an email to Equifax ( XXXX ) to ensure that there was a written summary of this issue. I sent a follow-up email on XX/XX/2020 and again on XX/XX/2020. Today is XX/XX/2020 and I have not heard back from Equifax. My issue remains unresolved, which is causing undue stress under this COVID-19 environment. I need this issue fixed as soon as possible as I am shopping to refinance my mortgage. Your help in compelling Equifax to resolve my issue will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there is still an account to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm this account. 

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 2017-02-28
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
Discover card is informing customers that when they do a balance transfer in addition to normal purchases "... minimum payments are applied to balances with lower annual percentage rates first. Any amount paid above the minimum payment will generally be applied to balances with higher APRs. '' However, they are also not accurately relaying " If you usually pay for purchases in full each month to avoid interest, transferring a balance will change that.You will be charged interest on purchases unless you choose to pay your entire balance in full, including any transferred balances, by the first payment due date. '' So, what is happening is a customer will pay their minimum payment plus their entire purchases balance, but Discover will still charge them interest on that purchase balance, one that has just been reduced to {$0.00}. 
I do n't believe it is fair to charge people interest on a balance they have reduced to {$0.00} for that statement. 
An example {$10000.00} balance transfer with 0 % promo APR. Normal purchase APR of XXXX % ( for simplicity ). If a person makes {$1000.00} in purchases and has a minimum payment of {$200.00} for that month, and then they pay {$1200.00}, they will have a {$9800.00} balance remaining on the balance transfer, {$0.00} on their purchases balance, but Discover will still charge them {$100.00} ( 10 % ) for the {$1000.00} in purchases. 

It ca n't be right for people to be charged interest on a balance that is being reduced to {$0.00} on time and never carried over into another billing cycle. My situation was taken care of ( {$20.00} refunded. I caught it quickly ), but people need to be better warned when taking on a balance transfer. What if someone made a massive purchase with a high APR expecting to pay it off that same month when they had a balance transfer balance? They 'd get hit with instantly accruing interest not even accruing over at the billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made multiple attempts to rectify this issue directly with Pen Fed, and have received no satisfactory resolution. I kindly request the following actions to be taken, investigate the inaccurate charge-off listing, transactions and experiences on my consumer report, considering the violation of IRS income exclusion regulation. Pursuant 15 USC 1681 furnishers of information must provide accurate and complete information ; Income does not get reported on consumer report according to the IRS, they filed a 1099C, cancellation of debt and income is excluded from the consumer report, so this account is inaccurate.

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-03-17
Company: EQUIFAX, INC.
State: MD
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:
The FCRA requires credit reporting agencies to furnish information that is accurate and complete. I have repeatedly highlighted the following major inaccuracies pertaining to this XXXX XXXX XXXXXXXX Account XXXX on my Equifax credit report, which blatantly violates the FCRA XXXX 

DELETE : XXXX XXXX  XXXX ( Account No. XXXX ) for FCRA violation because of the following errors : The Account Status is INCORRECT. This account is PAID, settled in full on XX/XX/21. ( document attached ) and should not be listed as DEROGATORY.

The attached proof shows it was paid/settled in full on XX/XX/21, so why is Equifax continuing to report new payment history? 
The High Limit is INCORRECT. The other credit reporting agencies show something different. 
The Credit Limit is INCORRECT. The other credit reporting agencies who different information.

The Account Number is INCORRECT. The other credit reporting agencies show different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: INTERCONTINENTAL CAPITAL GROUP
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XX/XX/2020, both consumers entered into a private consumer credit transaction with INTERCONTINENTAL CAPITAL GROUP. The consumer did not enter a residential mortgage transaction with INTERCONTINENTAL CAPITAL GROUP because INTERCONTINENTAL CAPITAL GROUP did not lend any money to consumers to get said dwelling both consumers funded any alleged " loan " with their open-end credit. Per American Jurisprudence 2d 358 inasmuch as it is a general rule that a bank does not have the power to loan its credit to another by becoming guarantor or surety for the performance of the other 's obligation in a transaction in which the bank has no direct interest or from which it does not derive benefit banks etc are nothing but service agents, administrators, swap companies and etc banks can not claim to be creditors. INTERCONTINENTAL CAPITAL GROUP needs to provide material disclosures and GAAP to prove they lent consumers any credit in fact. I rescind my consumer application due to an unconscionable transaction, per XXXX CFR Part 1026 ( Regulation Z ) 15 ( a ) ( 2 ). Now INTERCONTINENTAL CAPITAL GROUP is in FTC and SEC Fraud. Pursuant to 12 CFR 1026.15 Right of rescission. ( a ) In a credit plan in which a security interest is or will be retained or acquired in a consumer 's principal dwelling, each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind there was a security interest stated in the contract, therefore, this transaction is rescindable... I am the depositor and true creditor for this account, therefore you never loaned anything Pursuant to 12 U.S.C 83 No national bank shall make any loan or discount on the security of the shares of its own capital stock which proves the alleged loan was paid for when I provided signature and social which makes any commercial paper security I also provided a promissory which paid for transaction 15 USC 1692h INTERCONTINENTAL CAPITAL GROUP has received payments on this alleged debt and affiant has the right to direct INTERCONTINENTAL CAPITAL GROUP to return all payments

Company response to consumer: Closed with explanation