BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Pen Fed Credit Union credit card. I received my denial letter, dated XX/XX/XXXX. The credit card application number is XXXX, and the reason for denial was " We are unable to verify the identity of the applicant and/or the co-applicant ''. 

XX/XX/XXXX at XXXX pm, I requested the name in writing from the first Cust svc agent at XXXX. The agent refused, but instead shuttled me to the inside XXXX call center. XXXX has refused to provide me with a credit report, because they have false information on my report, have refused to remove it and demand that I present false ID that matches what they have on it. That call resulted of course, in nothing. 

XX/XX/XXXX at XXXX XXXX, I requested the name on my denial letter in writing from the second Customer service agent, at XXXX. XXXX stated the same, " We collect our information from XXXX. I can't email you anything, but we can give you the number for XXXX. '' I declined that as it is not what I requested or needed and XXXX has denied three requests plus false IDs. I asked for a supervisor. 

XX/XX/XXXX at XXXXXXXX XXXX the Pen Fed supervisor called me. I explained the same requirement as described in the Fair Credit Reporting Act. When a consumer is denied credit, the! ) Reason and 2 ) Source must be included in the denial letter. This supervisor said " We typically don't do that. '' I repeated that it is Federal Law, and I am entitled to that same form with the listed reason " Unable to verify identity '' along with XXXX as the source. She stated that she would see what she could do, because typically they get all their information from XXXX. I demand this properly formatted letter with XXXX as the source from PenFed Credit Union and a cease to their violation of the 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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXXXXXX XX/XX/2023 ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report 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 2023-02-21
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: Information belongs to someone else

Complaint:
I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. Fraudulent Account : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status 60 Days Late Past due amount {$51000.00} Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed OPEN Status 180 Days Late Past due amount {$40.00} Fraudulent Account : XXXX ( Original Creditor:XXXXXXXX XXXX  XXXX  ) Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Charge off Past due amount {$83.00}. 
Unauthorized Inquiries XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Today for the 5th or 6th Time I have tried to access my XXXX  credit report online on XXXX and I am not able to see my report or my score at all. I even tried to purchase my report and it does not allow me to, yet XXXX  still deducted XXXX $ from my bank account that is still pending. I have contacted XXXX  on at least two occasions with regard to me not being able to see my credit report any longer and they claim that everything is fine and that I should be able to see my report. I have had to clear my cache on my computer, I have deleted cookies, I have done everything to try and access something that I have always been able to see and nothing is working now as of XX/XX/2020 I first discovered that I could not see my report any longer and I noticed before that on XXXX XXXX that my score was not updating with some key disputes that I had submitted to XXXX. I contacted XXXX XXXX  and they deleted my account and had me to re-register. This did not fix the issue and not I can not even see my XXXX  report on XXXX XXXX. I also can not even access my report for free on the my free XXXX XXXX XXXX website. I have not been able to access that one for some years now. I am having this problem consistently with TransUnion and XXXX  in all actuality. The only report that I CAN SEE is TransUnion via XXXX XXXX. I am also not able to access my report from TransUnion either. I have provided each bureau with my identification documents, Drivers License and Social Security Card along with A recent bank statement. This had not made a difference and some of the time when I call into the bureau the automated system acts as if it can not verify my identity. This is causing me mental distress and I would simply like to view my report and make the proper disputes to inaccurate information that they are reporting and each company is hindering me from doing so. I have talked to many supervisors and I have talked to regular representatives, I have talked to the fraud department you name it I have talked to them all and I have not gotten anywhere with this issue. I need someone with the highest authority in the company to contact me and get this fixed for XXXX  and TransUnion. it is not fair that I am not able to see something that is so important that affects my life. I was told that one of the reasons that I could not see my reports was because of disputes in progress but this is not true because before I submitted any disputes I could not see my reports. This has been on going with TransUnion and XXXX  is now doing the same thing. I feel as if they are doing something shady and it needs to stop.

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 2022-02-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi! I am needing help removing my bankruptsy from my XXXX and experian report. pls pls help due to me having 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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 been on the phone all day with these crooked people from XXXX. I have been explaining to them that I have been affected by the data breaches and I need to have the information removed immediately. They tell me that all they can do is file a dispute, then tell me the account numbers are missing from my FTC report. There is no law stating that there has to be a account number on the FTC report. I request a supervisor and the representatives will hang up on me or hold the call and stop talking. I have had this experience with Employee XXXX and XXXX. It is sad that i have to request their employee number just to reference them after the call ends because they will not get a supervisor. I talked to XXXX supervisors today and I have been on at least XXXX calls 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 2022-05-19
Company: Colony Brands, Inc.
State: LA
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, Montgomery Wards Acct # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: LA
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 opened up a secured credit card on XX/XX/XXXX with XXXX XXXX XXXX for {$4000.00}. I would pay off the credit card every month on anything I charged. When I decided to close the account I use the secured funds to pay off the balance. Months later XXXX  XXXX XXXX came back and said that I owe them {$5000.00}. I showed them paperwork proving that I paid off that account as well as sent it to XXXX credit file. They charged off this account in XX/XX/XXXX and have left it on my credit report. I have received nothing but the run around by both the credit reporting agency and the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Management and I agreed to pay {$760.00} for a XXXX XXXX debt. 

Midland prints checks to present to my bank for the payment. 

My bank notified Midland that their check was not being printed correctly. After XXXX payments and no response or change from Midland, my bank refused to accept their check. 

I contacted Midland and they reinstated the payment plan and corrected their check account number. Midland did not inform me that they were no longer agreeing to the original agreed upon debt amount. After making the final payment, Midland wants to collect {$480.00} more in debt payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
State: TX
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:
These accounts do not belong to me, please bock and remove according to 15 USC 1681c-2.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Ive had a problem with the XXXX company. I reported inaccurate information on my credit report. I mailed a detailed letter with the inaccuracies listed and the violations on the fair credit reporting act that XXXX committed. Today is XX/XX/2022. The original letter was sent on XX/XX/2022. More than XXXX have past and still no response. The items on my report should be deleted and removed 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 2016-09-18
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Other

Complaint:
American Express put a charge off on my credit for a credit card that I am still paying on and have never missed a payment. First of all, the card I received was not the card I applied for. Once I realized that the card required full balance payment every month, I owed XXXX. 
I then contacted them and set up a payment plan. I have been paying on the plan every since and on time!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: NCB Management Services Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today Card has sent my account to collections to NCB Inc Management and while I do owe something I do not owe the amount they saying I owed. I signed up for a covid relief program they were offering and they said that I would not be charged interest and my payments would be waived for the time that I requested the covid relief because my hours had been cut at work during that time and they assured me that my payments would not be doubled once I resumed payments. They continuously charged me late fees and interest during that time. Most of what is owed is not from charges I made its from the interest and late fees that charged during the time I was suppose to be given relief during a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
A few months ago I had a dip in my credit score which Caused Bank of America to make the decision to close my Credit Card account that I help with them. At that time, I had not made one late payment to THEM but because of my scores, they closed my card. I called a few times to try and fix the situation because their actions further affected my credit which is not fair to me as a consumer. I am now on the hook for over {$2500.00} on a card that was closed because of no fault of my own.

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I would like these fraudulent inquiries removed 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 2023-09-29
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bridgecrest re-opened a closed account without my consent. This account was XXXX  as " Paid in Full '' and account closed on XX/XX/2023. This was confirmed by multiple agents contacted on XX/XX/2023 and XX/XX/2023 as well as confirmed was the title release date. At this time of confirmation i sold vehicle going based on confirmation of agents on XX/XX/2023 though XX/XX/2023. i was contacted via phone by Specialist XXXX  on XX/XX/2023 after i withdrawn CFPB complaint, she stated she was contacting me regarding the complaints and attempted to discuss account situation but call was dropped. In an attempt to see what agent was referring to i was unable to reach her again. As of XX/XX/2023 i noticed that account was re-opened and this is done without my consent nor have i been contacted regarding any re-opening of a XXXX  account. I have provided all documents ( Notice of vehicle sold, Title release request, agent ( s ) confirmation of account status " Paid in Full and closed '', Invoice for payments in accord and satisfaction of said loan, and Promissory estoppel Notice ) all supplied to Bridgecrest via fax and registered/certified mail prior to re-opening of closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: SC
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these items ( A ). I hope these disputed items will be updated and corrected immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022

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 2022-02-06
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX XXXX to XXXX by mr cooper as on XX/XX/2022. I sent my payment to the payee information on the my XXXX loan website and it was deducted from my bank account and never applied towards my balance. They are claiming i did not send the check. I had a 3 way call with mr cooper and XXXX and they confirmed payment was sent to the correct address and account number. Now mr cooper has sent me an email stating they can not find my payment still and that I am responsible for paying even though they processed the check against something.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation