BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
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:
XXXX - XXXX Reporting inaccurate information. This is a FCRA violation. I was Never late on XXXX, XXXX or XX/XX/XXXX or anytime!!!!!!!!! This account has always been deferred/suspended. This is an error. XXXX is aware of the error and told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I did just that and for months no correction. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 30-90 days late. XXXX nor the credit bureaus have not provided me any proof Ive asked for validating why they are reporting wrong 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 non-monetary relief
Consumer complaint received 2023-02-17
Company: OneMain Finance Corporation
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:
An account with ONEMAIN was fraudulently opened with my information in XX/XX/2021 for the amount of {$9200.00}. I discovered this account my checking my credit report through XXXX. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, a claim was made against my Chase Checking Account. This was a false XXXX $ claim made after a booked session at my studio where I sound engineer. A week into XXXX, my account and its funds were frozen. The claimant can not be contacted through any information I had from when the session was booked, Chase associates continue to tell me they can not give my any contact information, and that I have to let an investigation process go through. Weve found countless pieces of evidence in which makes the transaction false, the person has not reached out to his own bank let alone myself, and Chase does not seem to care. Its been 2 months now, I am an independent college student with over a thousand dollars frozen in an account that Chase investigators have not seemed to look into at all. In a pandemic, the bank Ive used since my first years of High School will not help and they say the persons bank ( which we found out is XXXX XXXX has not sent any notification back to finalize the claim. All my deposits have had to switch to cash, my bills have been late because of this, and I have been put in countless situations by Chase due to them withholding my entire account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-27
Company: SYNCHRONY FINANCIAL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Additional information for CFPB complaint # XXXX about PAYPAL CREDIT, XXXX XXXX XXXX XXXX and XXXX XXXX. 

On XX/XX/2018, PAYPAL responded to CFPB by stating that the complaint does not belong to them. 

However, as per information from PAYPAL the account was charged off and transferred to XXXX XXXX, XXXX See attachment.

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 2023-08-14
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Lexington Law Firms credit repair service ( marketing affiliate for XXXX  ) engaged in illegal practices Charged Illegal Advance Fees, and Lied About Debt-Relief Results : Falsely advertised accompanied by false claims of, government affiliation that they would eliminate or reduce consumers principal balances by at least 60 percent, that creditors would be unable to collect the debts, and that the programs would increase consumers credit scores for thousands of dollars in fees. In addition, defendants encouraged consumers to pay these fees by maxing out their credit cards. In the end, Defendants programs increased consumers debts, hurt their credit scores, and, in some instances, exposed them to creditors lawsuit Taking illegal advance fees for debt relief and credit repair services. Federal law prohibits the collection of fees before a credit repair or debt-relief company achieves certain results. However, Lexington Law Firm charged and received payment of fees for debt-relief services before altering the terms of consumers debts. Also charged and received fees for credit-repair services without achieving the promised results. Also charged and received fees for credit-repair services without achieving the promised results. Service fees ranged from {$89.00} to {$120.00} in XXXX  monthly and each option offers you unique coverage to fix errors on your credit report. 
Failure to provide proper disclosures about non-payment of debt : The FDA has instructed consumers to stop paying debts on their program. However, they fail to disclose that failure to make payments may result in a consumer being sued by creditors or debt collectors, and may increase the amount the consumer owes due to accrual of fees and interest. To today 's date the three major credit bureaus : XXXX, XXXX, and XXXX XXXX I have ( XXXX  ) inquiries. Please review attachments : XXXX XXXX ( XXXX ), [ Lexington Law Firm case XXXX and XXXX pages ], and Disputes to all three major credit bureaus [ Lexington Law Firm case XXXX XXXX XXXX attachments for review XXXX XXXX XXXX XXXXXXXXXXXX XXXX pages Settlement Agreement XXXX XXXX  XXXX  XXXX page XXXX XXXXXXXX XXXX  pages Lexington Law Firm XXXX XXXX XXXX XXXX inquires XXXX Inquiries XXXX XXXX XXXX Credit Card Report XXXXXXXX XXXX  pages Lexington Law Firm case XXXX pages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ok, I will cover my complaint one last time. Reg E requires pre authorization for ACH payments yes. However, your representatives told me I could not set up a payment arrangement WITHOUT setting up a RECURRING Pre Authorized ACH. Herein lies the problem as your representatives and your business practices are as such that consumers are required to void their rights in order to make payments under a payment arrangement on any debt your company has purchased. This behavior is a clear violation of Reg E and a business practice issue for your company to require representatives to FORCE by threatening litigation/REQUIRE consumers to set up a Recurring Pre Authorized ACH. As far as the other stuff in your complaint validation of debt and/or your right to pursue litigation was never a question. You are only attempting to deflect from the problem. The problem is your business practices that violate a consumers rights. Further your violation of Reg E, as you do not have the right to force via the use of litigation a consumer to grant you recurring pre authorization of payments. I recommend you correct this before someone else does.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this account 5 times and sent in all my information to verify it is myself making the request. I have applied for a full file disclosure and have not received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set it up on auto bill pay with my bank for XXXX for the month of XXXX but the payment never went through and I wasnt notified until XXXX. I asked for a one time courtesy. I sent in bank statement showing it was on auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My credit account is with Citibank. Account has always been in good standing with no delinquency. I have not used my account recently as it is for emergencies. Citibank closed the account with no notice. This action taken by the bank without my knowledge caused my credit score to drop by 25+ points. When I called to request that they reinstate my account they informed me that they would need to pull a hard credit inquiry further dropping my credit score In order to reopen the account. This bank also has my primary checking account that I have had for 17 years, one feature of the account is a credit tracker in which I can see my current credit score which is now XXXX, down from XXXX. My checking account has not dropped below {$15000.00} in the past 5 months, and the line of credit I am requesting be reinstated is in the amount of {$300.00}. I dont understand why they must pull a hard inquiry and further lower my score in order to undo an action that they performed without my consent. Especially since they can research my credit worthiness by using information they have readily available from my checking account and an additional credit card I hold with the company which is in excellent standing. So to reiterate, What I would like is for Citibank to reopen the account and remove the item from my credit report which caused it to drop by 25+ points and to do so without further damaging my score which I have worked incredibly hard to build.

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 2023-08-12
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 ; 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 2023-08-14
Company: EQUIFAX, INC.
State: PA
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:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : I am writing to dispute the following information that your company supplied to MY CREDIT FILE I have circled the items I dispute on the attached copy of my credit reports. 



XXXX ( ACCOOUNT NUMBER : XXXX ) is inaccurate ] because EACH REPORT IS SHOWING A DIFFERENT OPEN DATE AND A DIFFERENT HIGH CREDIT BALANCE. NOT TO MENTION THE LAST REPORTED DATES ARE ALL DIFFERNT AND INACCURATE. 



XXXX XXXX ( ACCOUNT # XXXX ) HAS A DIFFERENT LAST REORTED BALANCE AND DATE WHICH NEED TO BE REMOVED FOR INACCURATECIES. 



XXXX ( ACCOUNT # XXXX ) THIS ITEM WAS REMOVED FROM OTHER THREE REPORTS AND SHOULD BE REMOVED FROM ALL REPORTS. 



XXXX XXXX XXXX ( XXXX ) THE DATE OF LAST ACTIVETY IS INACCURATE AND SHOULD BE DELTED OFF MY REPORT. SHOWING DIFFERENT LAST ACTIVE DATE ON EACH REPORT. 



XXXX XXXX XXXX ( ACCOUNT # XXXX ) THIS ACCOUNT IS BEING REPORTED INACCURATE FOR A DIFFERENT LAST REPORTED DATE, LAST ACTIVE DATE AND REPORTING LATE PAYMENTS. LATE PAYMENTS SHOULD NOT BE REPORTED UNDER A COLLECTION AGENCY. 



These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report Unas following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately Enclosed are copies of [ my credit report and other documents enclosed with supporting my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have contacted all three Credit Bureaus/AgencieXXXX XXXX XXXX, Equifax, XXXX XXXX  and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX? XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Self Financial Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXXXXXX XXXX did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX Suntrust allowed me to open an checking account and deposit benefits from an insurance company payout. Two days later I tried checking my account and could not access it. Called customer service and was told my account would be closing. But my funds would be held until XX/XX/XXXX. I deposited {$25000.00}. There is a virus going around and I needed to maintain living without work. They allowed me to deposit and now are stating that my funds make take 15business days to be released. Why deposit my funds and then close the account instead of just declining business with me from the beginning? I feel this is unlawful and should be against the law. They earn interest on my money while I starve for almost a month or until whenever they feel like releasing my funds. I just lost my mom, I am an only child and have no help. I understand business but they wait times are RIDICULOUSLY unfair to consumers. They money has been paid out to the bank, so why cant they release the money to me 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 explanation
Consumer complaint received 2020-03-26
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We were first with XXXX XXXX, over 20 years. We fell behind due to my wife in a bad accident, and only 1 income coming in. My wife got better. XXXX  granted us a modification, putting everything on the back end. We were told we were up to date. We were never behind on our mortgage again. We were never told when our maturity date was reached we would have to pay the back end in full. 
The a few years later. XXXX  sold our loan to Fay Servicing. They did not tell us, we received a letter in the mail telling us so. 
And us not to send them anymore payments. We been with Fay Servicing about 6 years now. We were told by Fay Servicng XX/XX/XXXX our maturity date would be XX/XX/XXXX. So in XX/XX/XXXX I contacted Fay Servicng to see what we needed to do. They said would send a payoff package of paper work we needed to fill out and send back to them. We received those papers in XX/XX/XXXX. In those papers explaining to us to pay {$6600.00} by XXXX in Certified money or check for our last payment. I was confused. I called they explained it was the back payment from XXXX. And they would give an option to refinance or foreclosure. Which we refused, and said we have never been late, we are up to date. We just want to finish paying our payment to the end. 
The other option filling out Applications. 
They then send us another package called Applications XX/XX/XXXX saying they will let us know. I been calling them everyday. Now we are hit with this Coronavirus Pandemic. 
They told me today over the phone they denied us to continue to finish paying out our loan. We were up to date on our payment. Only other option we have is refinance or foreclosure. Or they said we can appeal. The appeal will be going back through Fay Servicing that's already made a unfair decision. We see our maturity date XX/XX/XXXX right around door. I said it do not seem as your mortgage company Fay Servicng is trying to help sound like you are trying to take advantage. 
This complaint is against the company of Fay Servicng. 
We feel they are trying to take advantage of us, and take our home away after we been paying on it all the years. 
Can you please help us XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Va. XXXX [ XXXX ] XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have an account that does not belong to me from XXXX XXXX. I have tried to dispute and settle this even though it does not belong to me. They have sent me a letter ( XXXX XXXX ) telling me to prove to them that it is not mine or they will sue. This account should have fallen off of my account in XXXX of this year. Under Alabama law it can not stay on my credit over 6 years. They failed to that and now they are refusing to accept my disputes. This account is not mine in the first place but I was also willing to let it go if they removed it since my 6 years were up. {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account showed XXXX payments late so I contacted XXXX XXXX XXXX XXXX and disputed the charges and late fees as fraud. I received a letter in XXXX XXXX XXXX stating that they found the charges to be fraudulent and would remove them. They did but they didn't remove the late charges. I contacted them an XXXX XXXX and they said they would remove those too. My XXXX showed a drop of XXXX points. I filed a dispute and included the letter from them. The results of the investigation as of XXXX said it contacted them and the debts were mine. This is wrong please help.

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