BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
For over 2 years I have had to deal with a XXXX XXXX that has been destroyed by XXXX incompetence. In short my 830+ Credit Score is now at 712 and struggling to recover due to XXXX incompetence. Thankyou for at least reading this far. 
In short, I was moving homes and requested to cancel XXXX XXXX. 
I followed requested process and in fact waited 3 times for someone to collect unit as scheduled ... no one ever turned delivered myself to XXXX location. While dealing with this over the few week I was billed by XXXX for another month. Despite all the " promises '' this will be rectified NOTHING was done. Instead XXXX sent collection notices ( adding insult to injury ) which I refused to pay out of principal ) Consequently this referred to various Collection Agencies who passed the SAME DISPUTED account around, each time impacting Credit Score ..Finally out of frustration I paid bill but damage has been done. As you will see from all my active accounts and my long term payment history with EVERYTHING ELSE has been stellar ( hence my original XXXX Credit Score ) yet my scores with Transunion, XXXX  and XXXX remain low and yet to be corrected. 

One has to question the accuracy and integrity of the Credit Agencies ( and why I am registering this complaint after two years +of frustration ) as to how ONE DISPUTED XXXX bill for {$100.00} outweighs payments for numerous other accounts including mortgages involving thousands of dollars paid fully well in advance. 

My Credit rating has not been corrected nor fairly represents my " payment character '' which impacts me any time I look to apply for anything that requires a Credit Rating search to be done. 
Hopefully something good will come of this to protect other customers. Thank you. 
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 explanation
Consumer complaint received 2023-07-04
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/2023, I reviewed my credit report ( XXXX ) and noticed that there was a collection account by CREDENCE RESOURCE MANA account # XXXX ( Initial Account holder XXXX XXXX XXXX XXXX reporting a balance of {$350.00}. I contacted Credence Resource on or about the latter part of XX/XX/2023 and spoke with an agent to discuss the account. I was informed by the agent that the amount shown on her end was {$250.00}, which is different the what was being reported on. This is a violation of XXXX U.S.C XXXX ( XXXX ) ( A ) : The false representation of the character, amount, or legal status of any debt ; or. 
Credence Resource is also, in violation of 15 U.S.C 1692g ( a ), when they failed to send me information within 5 days after my initial communication.15 U.S. Code 1692g - Validation of debts- ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing While speaking to the agent, I expressively explained to the agent that I did not owe XXXX XXXX XXXX nor Credence Resource {$350.00} and shared they must have something wrong. I checked my most recent XXXX report ( 6.27.2023 ) and noticed that the account has not been marked as disputed according to 15 U.S.C 1692g ( e ) ( 8 ). Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( Please attached XXXX report XXXX & XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-25
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My previous complaint : XXXX SUBMITTED ON XX/XX/2020 PRODUCT Debt collection ISSUE Written notification about debt. 

I have received another letter regarding LVNV Funding as current creditor, but from a different company. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MO XXXX, XXXX. 

The letter is dated XX/XX/2020. It is alleging I owe {$530.00}. As I stated in my previous response letters and in the previous complaint ; 1 ) I am disputing that I owe them any debt.

2 ) The dates provided of the alleged debt are past the statute of limitations. and 3 ) I want the letters to cease and 4 ) I want all collection activities as it relates to this alleged debt to cease.

5 ) Finally, I would appreciate a direct response to my request and complaint. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon checking into my credit report last month ( XX/XX/XXXX ) I noticed many incorrect names, addresses, and credit accounts linked to my credit profile I have disputed some of them and they have been removed but there are quote a few that remain to this day that are incorrect see the below some are reporting to all 3 bureaus XXXX, XXXX, Transunion incorrectly XXXX XXXX- open XX/XX/XXXX amount {$700.00} XXXX XXXX- open XX/XX/XXXX amount {$1600.00} XXXX XXXX- open XX/XX/XXXX amount {$1900.00} XXXX XXXX- open XX/XX/XXXX amount {$66000.00} XXXX XXXX XXXX- open XX/XX/XXXX XXXX {$520.00} XXXX open XX/XX/XXXX amount {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX amount {$10000.00} XXXX open XX/XX/XXXX XXXX {$150.00} XXXX XXXX- open XX/XX/XXXX amount {$1100.00} XXXX XXXX XXXX- open XX/XX/XXXX amount {$1600.00} XXXX XXXX XXXX- open XX/XX/XXXX amount {$1900.00} XXXXXXXX XXXX- inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I did not explain it right as it was a government grant scam which I authorized. I was denied by the company PayPal and my bank XXXX XXXX XXXX  because I made a mistake. I am not used to using a dispute resolution center. I never received a product or service because it was a scam. A government grant scam via XXXX XXXX XXXX aka XXXX. He said I should send money to his cashier for fees associated with the grant example XXXX XXXX, taxes imposed or the cost of shipping. A processing fee of XXXX plus XXXX service PayPal fee for a total of XXXX. My case number is Case ID XXXX XXXX. My case was closed and all I have is 180 days to dispute it which PayPal says I can not. The money was sent to XXXX XXXX and in the note box was a comment about XXXX something like laughing. There was nothing I can do to resolve it so I am writing to PayPal now. My bank debit card with Capital One was linked to this account and used for this transaction. XX/XX/2020, Case is not resolved and has been disputed with both by website and telephone PayPal and XXXX XXXX XXXX. It was viewed as my error and cases were closed. XXXX XXXX on XXXX claimed to be the agent in the scam. Probably an index card hanging from his shirt he is no agent of the United States Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was preapproved for a mortgage on a home in NJ. I'm a first time home buyer with excellent credit and 20 % down for the purchase. Rocket Mortgage/Quicken Loans approved the mortgage and informed me there were no issues and we would close on time with no problems. One day before closing, Rocket/Quicken informs me of an issue with the home being in probate. I was not aware of this and 1 day before closing is not the appropriate time to tell me this. They then proceed to have the loan looked at by their research team who comes back and tells me the loan is no longer approved. This is 1 day before I close on the home. In addition this was a relocation and my goods being relocated were on schedule to arrive to the home after the weekend I closed. Due to Rocket Mortgage incompetence, I had to scramble to reschedule the relocation truck, cancel a XXXX reservation and track deliveries that were scheduled after the closing. I'm wondering how/why Rocket/Quicken can do this after approving me and after all their requests were approved by attorney review and title review. Can you assist in any way?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: FL
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 a XXXX XXXX XXXX XXXX XXXX account which I voluntarily Closed on XX/XX/XXXX ( over a year ago ) and my account keeps changing multiple times a month on every CRA reporting my account as Closed then open, then closed with different dates, then open then closed with remark codes added then removed then added then removed. Most recently, instead of reporting my account as Closed on XX/XX/XXXX as it had done from XXXX thru XX/XX/XXXX, my Equifax report showed my account was inaccurately closed on XX/XX/XXXX. I have complained numerous times that my account data was disputed but XXXX and every CRA willfully violated the FCRA by not putting the required Notice of Dispute with the known XX/XX/XXXX date closed based on historical records which should have prevented the facially false data and closure and dispute data from changing or being removed. I am filing this CFPB complaint as today XX/XX/XXXX, I was notified that the Remark code removed from XXXX XXXX XXXX account Between XXXX XXXX, XXXX and XXXX XXXX, XXXX were removed..Account closed at consumers request and finally after months the dispute status was added. The removal of the status account closed at consumers request constitutes a repeated willful FCRA violation and facially false data. What is wrong with you people!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 no clue what's going on so I have no choice but to file a complaint. XXXX, Transunion, and XXXX  have received my disputes XX/XX/XXXXand still have not been able to give me my dispute results. Today is XX/XX/XXXX This is almost 2 months with no response. I found a ridiculous number on inaccuracies and misleading information that's making it hard to get credit. I found that the bureaus are in violation of the Fair Credit Reporting Act. I, the consumer have rights that are being violated under the FDCPA as well. The bureaus have 30 days to investigate pursuant 15 USC 1681i and failure to do so means these items should be promptly deleted. You are also in violation of my CONSUMER rights to privacy pursuant 15 USC 1692b. These violations make me think you have been practicing unfairly this entire time.

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 2023-04-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX 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 2023-10-18
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My personal checking account was debited {$86.00} by the department of education via an ACH transfer. I have not authorized this entity to debit from my account. I believe they obtained my bank account information from an old student loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Independence Capital Recovery, LLC
State: FL
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:
In my situation, I have a satisfaction letter from a debt collection agency that was given to me. I have taken this and disputed all 3 credit reporting agencies. The results of their investigation has been unchanged and updated. I am trying to resolve a closed account under my credit report that is stating as a Charge Off/Collection from a repo and it needs to be changed to a settled debt. I have contacted all 3 parties and their managers of credit bureaus, XXXX XXXX ( original auto loan lien holder ) and Independence Capital Recovery which is formerly known as XXXX XXXX XXXX XXXX ( debt collection agency who purchased the debt ) to see what they can do. They all give me the runaround saying that there is nothing they can do to update my report. Here is my satisfaction letter attached to this complaint. I settled the account for less than the full amount of {$1500.00} for it to be closed. 

When I have spoken to XXXX XXXX, and XXXX  's dispute center over the phone their response for the unchanged status of that closed account is that they are only a reporting agency and that they have received a satisfaction letter but give this information to XXXX XXXX to verify. They said to contact XXXX. I have contacted XXXX and spoken to a supervisor over the phone named XXXX XXXX and she advised that there was nothing she can do as once the debt has been charged off and sold to another lender they wipe their hands clean with it essentially. As I contact the general manager XXXX of Independence Capital Recovery through his direct phone number he says that this scenario has never happened to him and that they do not report to the credit bureaus. He say 's " he acknowledges the debt has been settled as he knows i have the satisfaction letter but there was nothing he can do and to then further contact the bureaus again. 

The status under these accounts still are under Charge-off/collections and not settled. At the time all of these parties were contacted were the date of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
At the beginning of XX/XX/2019, I opened an account with American Express ( AMEX ) and qualified for their Business Platinum charge card. They had a promotion where if I spend XXXX during the first XXXX   months I get XXXX AMEX points. I also added my brother to the account since he is the business manager for my company XXXX, XXXX and this is a business financial product. Post-approval and post me spending the XXXX as advertised on their promotion and not owing AMEX XXXX dollar or being behind on any payments due, they proceeded to perform an income verification using my tax records from the IRS which I completed a form provided by AMEX and authorized them to perform the income verification. Upon doing " their due diligence '' they decided to put a limit of XXXX on a card that according to them has " No preset limit ''. Not only do I make more than enough money to afford this product they also restricted me from using my points and now I have to make a payment first every time I'm going to use the card in order to have that balance available for use. This is extremely discriminatory since I'm a person from Hispanic descendants and my last name is XXXX they feel that this is ok, It's flat out degrading and humiliating as a business owner. I have proven myself financially to them yet they chose to discriminate against me. If I add an additional user to the card and we both use the card for the sake of the business ( XXXX, XXXX ) why does it matter who spends what as long as it's paid on or before the due date established by AMEX which I did with no issues? They have cost me almost XXXX of phone time calling in about issue after issue including my card getting declined after I spent over an hour discussing why is my card getting declined. Please help I'm sure they are doing this bait and switch to others out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Questioned a charge of {$1.00} on the account for which Chase attempted to impose a {$28.00} junk fee creating a balance of {$29.00}. When requesting clarification Chase responded with we cant locate the transaction information you requested and then added another {$28.00} junk fee. They also addressed the letter to XXXX XXXX. Im concerned that someone else may by manipulating this account as Chase would never try and collect {$56.00} in junk fees for a {$1.00} charge that they cant even verify.

They also stated a replacement card was mailed over 2 months ago and they dont even know where they sent it. They still use an address that was changed 5 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. TRANSUNION : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.

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 2023-03-07
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX, I successfully completed the payment arrangement and no longer have an outstanding balance on my account, I want it deleted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I filed a dispute on or around the last week of XXXX.Sent in all the documents that show when my transactions were made and funds taken from my Account.PNC emailed me requesting me call and I did. I received no answer and no return call or email from anyone.This has been going on for over a week and I havent been able to contact anyone from the bank about any other problems i only received communication when they were taking money from my account unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan from upgrade.com XX/XX/XXXX. I have been having problems with Upgrade since the pandemic started. They put me on a payment plan for {$170.00} first. I made those payments. Then i went to the website and they asked me to pay {$220.00}. I made that payment but they did not enter my account. Then they offered me another plan that i selected the one for {$230.00}. I made this payment on XX/XX/XXXX. They had not debeted my account earlier in the previous months, so i dud not expect them to debet my account this time. I contacted them 3 times. The first time, the representive said she was going to stop the automactic payment. She reviewed the account and saw that the payment was account for. They debeted the accojnt again. I called again and asked why were they debeting my account. They did this a third time. I asked them to refund the money. She asked me to request the bank to refund the funds. They told me that they would contact me on XX/XX/XXXX. They contacted me on Friday XX/XX/XXXX and still did not have a answer for me. I have not still heard from them. They have debeted my account 4 times for {$230.00} each time.

Company response to consumer: Closed with explanation