BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Yes I have 2credit cards with capital one Bank. I told them I lost mom going thru a hardship. With bills and things. Told them if I could least skip a month payments. Would not accept. I won't be able too pay anything on this months 2payments. Hard too work with them. They have no idea what it's like too lose a parent. Sadd. Also was a XXXX  too my mom for5years. They have no idea what it's like being XXXX with no help from my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: NATIONS DIRECT MORTGAGE, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Amount {$1300.00} I'm a XXXX Veteran that has Never been late on a payment, then I experienced a Financial Hardship because my XXXX XXXX XXXX, which I must have for my XXXX, needed repair. This has caused me to fall behind each month while they continue to Call and send Harrassing Letters. I explained the issue and asked if I could Skip/Delay 1 month payment. 

They stated I must submit Paperwork like when I first applied with them, bank statements, credit check, tax returns, W2 forms, have my home Re-Appraised, etc. which is a XXXX XXXX for XXXX XXXX XXXX and even require a Credit check on whoever lives in the house and are Not even on the mortgage. Because of a hardship after making repairs to my XXXX XXXX XXXX and there isnt ANY damage to the home they require my home to be Re-Appraised because of this Vehicle financial hardship?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked a pair of international flight ( business class ) ticket via Chase XXXX, which paided XXXX usd and used XXXX Chase reward points. 
2 days before departure, I discovered that either Chase or the airlines cancelled my seats, without any notice. The fight was NOT cancelled. 
Chase XXXX agent and I called the airlines, the airlines refused to rebook my seat to business. I had to accept economy. This rebooking process also took XXXX hours and I've spent the entire afternoon of XX/XX/XXXX on this. 
As for service recovery, Chase XXXX agent offered to return all XXXX points back, which I accepted. All of this conversation has taken place on a RECORDED line. 
Recently, I contacted Chase and Chase XXXX for the points return and they have retracted on their offer/promise. I have spent countless hours with Chase and all they want to do is refund XXXX and XXXX points ( which is fraction to I paid ). 
Also I found out that Chase has outsourced Chase XXXX and the agents at the outsource company has caused many customers to suffer from their lack of responsibility and unprofessionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: NY
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:
XXXXXXXX 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 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 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 2022-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ive disputed XXXX & XXXX with Bank Of America. There was fraud that ensued on my account between XXXX XXXX & XX/XX/2021. They have completed their investigation and said there was no error when honestly I never received a debit card from them anytime of 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 2022-04-20
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX. 

Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # Reference # : XXXX / Public Records Bankruptcy Account # Reference # : XXXX Public Records Bankruptcy 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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX. 

Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # Reference # : XXXX / Public Records Bankruptcy Account # Reference # : XXXX Public Records Bankruptcy 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 2022-04-20
Company: Williams & Fudge, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Williams and Fudge has repeated called and harassed myself, my family and my pace of employment in regards to an assumed debt in my name. I have repeatedly asked them not to call me or anyone associated with me in regards to this assumed debt. 
They have continued to disregard my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number is repeatedly calling my husband 's cell phone asking for me. He said they will not give him any information. When I look at my credit report I do not have anything listed for this company. It is very strange they would call my husband 's phone number, yet ask for me. Our cell phone are not connected to either my name nor my husband, as they are company phones.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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:
Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request. 



It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number.

Also, I want to know who you spokewith and on what date.

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.

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 2018-10-24
Company: CITIBANK, N.A.
State: CA
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:
Hi, My name is XXXX XXXX, I recently applied to your CITI PREMIER credit card, I activated and registed on my online account, as I wanted to start using it to take advantage of the benefits your card offer. 

Unfortunately im having the worst experience possible with your Citibank, I had called several times, around 10, because it seems that my card was block, because your fraud department needs to verify information, and that's okay, I have card with other banks like XXXX or XXXX and I appreciate that. But your representative that unfortunately are not US BASED, it seems that they understand what I say, I know they might be doing their job, but is so frustrating that I can provide all my information, SSN, DOB, Phone, address etc., and they are giving me a hard time, they ask for my phone number, and them they said that they can not verify me with my phone, that I myself verified is correct thru online banking At this point I just wanted to cancel my credit card. but they wont let me. so literally I can not used or closed. is just madness, I really don't understand how one of the major banks in the US, can provide such a bad service, it has been a week, and nobody resolve nothing to me. 

Is truly the worst experience that I had with a bank. I feel discriminated and is frustrated that this bank treat customer like this. 
I hope you can help. 
My contact information is XXXX XXXX XXXX account ending on XXXX. 

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 explanation
Consumer complaint received 2023-09-28
Company: RFNA, LP
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have an outstanding unsecured installment loan with Republic Finance. The loan came about from mailing me a loan check that I could cash and create the loan. This process went fine, there was no issue, and I have used them multiple times before. Until now I was a satisfied customer.

I was contacted by text that I was available for additional funds because of my good status. Since I needed some funds I called the number of the local branch and spoke with XXXX. He took my basic information and then other information that I thought the local branch should have since I am already a customer but I provided it anyway. There was a hard pull on my credit report and then I was told the loan has been approved. I was asked to submit additional documents like paystubs, photo ID, voided check. I send it in over their portal and I received a phone message that everything is good they just need to get some additional information. 
The additional information was to request descriptions of personal property as this loan was being converted to a secured loan.I was never informed that this was to be a secured loan. If I had been I would not have gone forward and especially not have authorized a hard pull on my credit report. I told them I felt that I had been mislead and misrepresented and the response I got from XXXX was additional funds always have to be secured. If that is their policy that is fine if it were disclosed at the beginning. I asked them to play me a recoding that they told me that the loan is to be a secured loan and they don't record their calls. I was transferred to XXXX who then told me that This is just the way it is and they do this everyday. As if failure to inform makes it right. 
I requested they tear up all paperwork and not to contact me again. 
By misrepresenting the loan ( which they deny ) I wasted hours of time and incurreced a pull on my credit that could have been avoided. 

This occurred at XXXX XXXX of Republic Finance. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30
Company: EQUIFAX, INC.
State: AR
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 have several INQUIRIES on my credit report that are not AUTHORIZED. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These INQUIRIES listed are not AUTHORIZED and need to be deleted from my credit report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I contacted Equifax about a wrong credit report. I explained to them that I have the right to have an investigation done, which they failed to do. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit reports correct. 

Please provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Validate the following account : 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 I respectfully ask for you to please provide some kind of proof of these alleged items, specifically the contract note, or other bearing instrument bearing my signature. 

Additionally please provide me the name, address, and telephone number of each credit grantor or other subscriber. 

I heard that under federal law, they had 30 days to complete a re-investigation. I also requested that the description the procedures used to determine the accuracy and completeness of the information was requested as well, to be provided within 15 days of the completion of the re-investigation.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The bank marked our account as paid and closed, reported to all the credit bureaus as paid and closed sent us a XXXX credit card with a letter saying we overpaid the loan cancelled the gap insurance and sent us a check ( we have these put up ) now they have ruined our credit reports and say we owe late fees and interest. They have also sent us power of attorney forms wanting us to sign and send to them so can make changes to our title ( which by the way shows no lien against the title ) We have talked to two XXXX  that say do not sign anything and who also state that the company cant just reopen an account or report that to credit bureaus with out our signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I ALREADY PAID WHAT I OWE BANK OF AMERICA BUT THEY STILL HAVEN'T TOOK ME OFF XXXX  AND WHEN I ASK THEM WHY I AM STILL ON IT THEY TELL JUST TRANSFER ME TO ANOTHER DEPARTMENT AND ITS NEVER ENDING.

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 2018-12-16
Company: TCF NATIONAL BANK
State: AK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company abandonment of interest in the car. The lending company still didn't provided no statements since XX/XX/2018 to present. The company lock me out of the account, they stated do to status of account. I mailed a check and they return my check ( XXXX, XXXX and XX/XX/2018 ). I sent the money order XX/XX/2018 and they return it. They never accept money orders or checks as stated in there XXXX   report. I ( VOLUNTARY SURRENDER ) the car. They still report it as open. They never updated. The balance never was reduce for being surrender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I had a Best Buy store card. Several months ago, I received a Best Buy XXXX Credit Card. The offer did not include the credit card terms and conditions to explain the fees, etc. so I called Best Buy. I said I did not want the XXXX card without knowing the terms and that I would keep the store card. I was told that unless I activated the XXXX card that it would not be implemented. I did not activate it because I did not have the terms and conditions. I shredded the XXXX card. Best Buy has since converted my store card to a XXXX credit card and moved over my balance. I called Best Buy on XXXX and the card department said that I would not be getting my store card back. If this is an unfair practice, I would like my store card back. I do not want their XXXX credit card.

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