BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Commenity Bank is charging interest on a late charge on my XXXX XXXX XXXX Credit Card that I should not have had assessed on my account. I have been working with them to resolve late payment posting issues. In XXXX they reversed my late charge, but the call center representative did not have the authority to reverse the interest that was charged on the late charge. So on XXXX I paid {$1.00} in interest as the representative could not correct this for me and I didn't want such a small amount to affect my credit report. I have made NO PURCHASES on this card since the late fee was assessed and the account has a {$0.00} balance, but I received a statement in the mail today for a {$2.00} balance for " minimum interest charge '' on the transaction I paid of interest on the late fee I should not have been charged. I believe their credit practices and they way they post payments and assess fees and interest are unfair and abusive in regards to the consumer. 

I would also like to reference CFPB complaint - XXXX They did not resolve my complaint, or answer my questions about posting. They blamed me as the consumer for not posting my payment on time and referred my to their account agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: IL
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 am acting on my own behalf In accordance with the Fair Credit Reporting Act, 15 U.S.C 1681s-2 ( A ) ( 1 ) 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. I have contacted XXXX, XXXX, and Experian about inaccurate/fraudulent inquires on my credit report by mail and phone multiple times and to no avail. They have continued to ignore my request for immediate removal of the inaccurate information and have not investigated nor provide me with proof bearing my signature of inquiries on my report that I did not authorize. I'm asking to please delete these inquires as they are affecting my odds for approval of credit moving forward.

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 2021-04-27
Company: Terrill Outsourcing Group
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Our phone number keeps getting calls from Superlative RM, a debt collector company. The last date was XX/XX/XXXX at XXXX XXXX. We do not know which of us they are calling for because they never leave a name in the message. The truth is, we do not know why they keep calling because we declared Bankruptcy in XXXX XXXX and have had no debts since the Bankruptcy. We will not answer the phone to them because we do not owe any money to any person nor to any company. They do not always leave a message, but when they do, they ask that we call them concerning a debt, but we have no debt. We are tired of getting these harassing calls when we do not owe any money to anyone. We also know that there are many scammers that call people, so again, we will not answer the phone. The phone number on our phone I.D . that they call from is : XXXX but the number they leave on the message to return their phone call is : XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion has been falsely reporting a XXXX  XXXX bankruptcy, case # XXXX since early XXXX. I have made dozens of requests to have this item removed, and they continue to refuse to remove it. I have provided not only the XXXX letter showing it has been removed, I have also provided court documents showing the same thing. TransUnion believes they are above the law. 

I have filed numerous complaints with CFPB, and the Federal Trade Commission. Currently I have started the process of filing a small claims order to be served upon them mid to late next week. 

My hope is that I am able to finally get them to use common sense and have this item 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 2023-06-28
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I signed up for a Chase bonus program in XXXX that was supposed to give me a bonus of {$300.00} for setting up direct deposit with a checking account, {$200.00} with a savings account if I kept $ XXXX in there for 3 months and a bonus of {$400.00} if I completed both of these for a total of {$900.00} in bonuses. 

I received the {$300.00} checking bonus on XX/XX/2023. 

I received the {$200.00} savings bonus on XX/XX/2023 and the email also says that the {$400.00} bonus was deposited. 

I never received the {$400.00}. The {$400.00} was supposed to be deposited to the checking account that I had with chase, but chase closed the checking account after 60 days of a {$0.00} balance ( which they never mentioned would happen ). 

I called Chase on the week of XX/XX/XXXX to inquire and was instructed that I had to wait a few days for a check to come through. 

A check never came and I called back. They said I had to work with my local branch. I've been working with my local branch and had no less than 10 calls with one of the workers, XXXX, and the branch manager, XXXX. The location is XXXX XXXX XXXX, XXXX, PA XXXX. I'm beyond frustrated and had high hopes but they have now put me off for almost 2 months with no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Factor Trust
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: Their investigation did not fix an error on your report

Complaint:
XXXX and Factor Trust consumer center you state that you do not report to anyone but you also state that XXXX gets information from you I understand XXXX owns you but but XXXX is using your information you get from where ever that makes you a consumer credit reporting company { right } enclosed are documents that you provided to XXXX that you state you dont keep .I request that all information on myself be frozen at one, you state it can not be frozen we have a { right to privacy law } that was enacted this year FREEZE any information about me at once use the FCRA to contact me about this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent letters to Transunion, XXXX, and XXXX asking them to remove the account XXXX XXXX XXXX # XXXX from my credit report because this account is Deficient of Physically Verified Validation. XXXX XXXX XXXX is in violation of the FDCPA U.S. Code 15 USC 1692e 807 False or misleading representations, and U.S. Code 15 USC 1692g section 809 Notice of debt ; contents. XXXX XXXX  is trying to collect a debt on behalf of XXXX for the amount of {$1300.00} that i do not owe. It's reporting on all three of my credit reports as a collection account. Account # XXXX. I notified XXXX XXXX in writing that i was disputing the debt and to please send me a validation of debt per FDCPA section 809 ; Please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is their authorization of law for your collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Please evidence their authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. They have yet provided this information which is in violation of the FDCPA. Transunion, XXXX, and XXXX have yet to remove this account from my consumer report which is a violation of the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Their failure to positively verify the account Enhanced Recovery Account # XXXX has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the 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 2022-02-10
Company: PNC Bank N.A.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX of XXXX, I purchased a XXXX XXXX XXXX  from XXXX XXXX in XXXX PA. This vehicle was financed through PNC Bank of XXXX. On XX/XX/XXXX, I contacted the bank for the amount of the total payoff. I was told that the payoff was {$25000.00}. I withdrew the money need for the payoff out of my personal bank account and purchased a cashier 's check from XXXX XXXX  in XXXX XXXX, for the amount of the payoff and sent it to PNC Bank.I have the bank statements to prove that this transaction was made. On or around XX/XX/XXXX, I was contacted by PNC Bank and told that my payment was received and that I would be expected to receive my title within a week or two. Within the time of me making the payment and them calling to say they received it PNC Bank attempted to take {$38000.00} from my bank account. My bank did not allow the payment to go through as it was not an authorized payment. A year later PNC Bank stated that they never received my payment, so I sent all the paperwork I had regarding this matter. Another year went by with no contact, and they again contacted me stating they did not receive the payoff amount, so once again I sent all of the paperwork, I had to them. On XX/XX/XXXX, at about XXXX XXXX XXXX came and repossessed the XXXX XXXX that was paid for. When I contacted PNC Bank, they stated that the payoff amount was for {$25000.00}. But they attempted to take {$38000.00} and it was not approved. When questioned why they would try to take {$12000.00} more than the total payoff they did not have an answer. PNC Bank is now stating that they did not receive the cashier 's check for the payoff. They told me that they wrote off the account and sent it to collections within the recent months. We also asked why if no payment was made why did they wait three years to do a repossession on the XXXX XXXX and their reason was they could not find it although it was always parked at the address on the title, insurance, registration, and loan agreement. The loan was in XXXX XXXX name, who is my mother, but I made all of the payments on said vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: TCF NATIONAL BANK
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Ive had a car loan with XXXX XXXX XXXX XXXX XXXX for almost 3yrs. The amount of my loan was only a few thousand more than it is now this time 3years ago. Theyve over charged me and hardly any of my payments are being applied to my account. I should be almost paid instead it looks like Ive hardly paid. Its effecting my credit by the total amount of loan not hardly changing and my life by this vehicle not getting paid down. Ive not even been working and making sure this vehicle is being paid to not effect my credit and was shocked when I saw its not almost paid off. Talking to them about it has got me absolutely no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account XXXX : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: IA
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. The list of accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agencies if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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: Information belongs to someone else

Complaint:
I RECEIVED AN ALERT OF MULTIPLE INQUIRIES ON MY REPORT THAT I DID NOT AUTHORIZED, ALSO THERES A COUPLE OF DISCREPANCIES IN MY 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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is reporting to my credit profile as charge off or other derogatory. this account was paid in full, It should not be reporting as a charge off or derogatory this account was paid and settled, I have tried on many occasions to have the status updated. 
Also, there are addresses reporting that I never lived at these addresses. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a co-signer and I have tried in conjunction with the borrower to have my name removed from a loan I co-signed for XXXX XXXX. The first information we received from Navient was that if 12 consecutive on-time payments were received, we could apply to have my name removed. After that was done, we called back and were told that the following criteria needed to be met : 1 ) finish school ( he graduated in XX/XX/XXXX ) ; 2 ) 12 on-time payments ( done - in fact, has not had 1 late payment since XX/XX/XXXX - 47 on-time payments ) ; 3 ) Be a US citizen - he is a XXXX XXXX  ; 4 ) Be age of majority - he is XXXX years old ; 4 ) run a credit check - not a problem but has been told I can not be released because of a foreclosure on a house in XX/XX/XXXX. I can not understand why a 6 year old foreclosure would preclude the ability to have my name removed as a co-signer since XXXX XXXX has met all the above requirements and has worked at a steady job as an XXXX ( in his field ) for over 4 years. I am asking for help in releasing my name as a co-signer since XXXX XXXX is in a position to repay the loan, has made on-time payments for 4 years, and has a steady income that is twice as much as I make. I do n't understand why a foreclosure that is 6 years old ( that happened when the housing market fell in XXXX XXXX ) should be used against us for as long as it has. I have asked for information and am told since I am a co-signer that I can not help myself and have no rights in the matter. Please help - someone should not have their credit held up by a company when the borrower has the means to repay and has shown good faith that they are making their payments on time. I have read that Navient has a history of not releasing co-signers and since they are not willing to work with us, I am filing a formal complaint for some relief. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Dear CFPB, I am writing you today because while reviewing my Transunion credit report XXXX File # XXXX ), I noticed several unauthorized inquiries being listed by Transunion XXXX. XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX. 

The following inquiries have not been authorized by me and should not be listed on my credit report : XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX XXXX ) XXXX ON XXXX/XXXX/XXXX I have attempted to resolve this issue with Transunion, all to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-12-31
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX  Account Name XXXX XXXX XXXX and Account number XXXX, has violated my rights. 

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 explanation