BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ Attention : Transunion, XXXX, and XXXX Dear Transunion, XXXX, and XXXX  This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : XXXX  Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : XXXX Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : XXXX  Made by : XXXX XXXX Made on : XXXX Made with : XXXX Made by : XXXX XXXX Made on :XX/XX/XXXX Made with : Transunion Made by : Desert Financial Made on : XX/XX/XXXX Made with : 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 2023-10-19
Company: Affirm Holdings, Inc
State: AL
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX  Bankruptcy. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
AFFIRM INC Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
AFFIRM INC Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
AFFIRM INC Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
AFFIRM INC Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
AFFIRM INC Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition foXXXX XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX for XXXX XXXX Bankruptcy. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through Bankruptcy XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXXXXXX bankruptcy petition Potentially negative all are still reporting negative items to my account Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX All of these are discharged from my bankruptcy and still showing up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
Account # XXXX I had an accident in my car. The insurance didnt cover the accident since the person driving was not covered under my policy. Credit acceptance then called me and demanded a settlement amount to clear the remaining balance which is fair. Although they did not inform me that every month that the full settlement amount was not paid I would get a late payment remark on my credit report ( {$6000.00} ). Since I did not have all the money readily available I decided to call and ask for assistance. The representative told me not to worry about the late payment remarks on my credit that since Ive never been late in the past they would do a good will adjustment and remove those late payments once the balance was covered. After three months I was able to pay the whole balance and close the account. Since then I have been unsuccessful in getting those late payments removed from my credit score even after putting in a letter of goodwill adjustment. To this day my credit score has suffered and no one at credit acceptance has been able to help me fix this error even after I was told I would have no issue getting this removed. Can someone please help me rectify and remove these late payments. Before the settlement I was never late.

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 2023-10-19
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I noticed some inaccurate information on my credit report and went to the annual credit report site to get a copy of my complete consumer report. The site had an error where i couldnt download or view the report at all. I went to request a copy and I sent a letter to XXXX immediately to have it resolved. I haven't gotten a response yet and I need that report immediately as there may be serious issues on the report I need to address.

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 2022-12-13
Company: EQUIFAX, INC.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
While I was at work at XXXX XXXX XXXX XXXX, XXXX, IL XXXX, I received a call XXXX from a representative claiming to be from Chase Bank. The caller ID listed the number as CHASE and the number was for the branch ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ). The representative informed me that my card was charged for {$350.00} at a XXXX XXXX in XXXX, Georgia. The representative informed me that I was alerted because he is aware that I am in the XXXX area. I requested that the card be shut down immediately. The representative agreed and informed me that in the meantime, extra protection will be placed on my account until my new card arrives in the mail so that I will be able to still use my debit card. To initiate this service, the representative asked me for my PIN. I unwittingly gave the PIN to the representative and he then informed me that a one-time test transaction would be done to my account, and that I would be credited the money back within 24 hours. The representative thanked me and ended the call. Upon the sketchiness of the call, I recontacted the bank with the number provided few minutes later. A representative from the XXXX XXXX XXXX branch informed me that no one had contacted me. The representative then transferred me to the fraud dept. where I provided the info of the previous call. A few minutes later, XXXX ( XXXX ) ATM transactions in the amount of {$80.00} each ( total was {$1400.00} ) appeared on my savings bank account. It was reported that the ATM transactions were completed at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I also recontacted Chase fraud dept. after this activity and filed a claim. Both cards for checking and savings accounts were closed and new card numbers were issued. OnXX/XX/XXXX, I filed a fraud claim with Chase Bank and on XX/XX/, my claim was denied on the basis of lack of evidence. On XX/XX/, a police report has been filed with the XXXX Police Department

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Fidelity National Financial, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I agreed to purchase the property located at XXXX XXXX XXXX, MO XXXX. However, the property was flooded, which resulted in extensive damages. During the repairs, asbestos material was discovered in the property, which resulted in extensive repairs - nearly {>= $1,000,000}. Before the repairs were completed, and the exact dollar amount for the repairs not known, I asked the sellers to extend the due diligence period so that we can further evaluate the property. The sellers refused any extension and stated they like to cancel instead, so that the deal was canceled within the due diligence period. I spent over {$6000.00} interest on the funds I was able to secure in order to purchase the property. The title company now refusing to return my earnest money. I want the earnest money returned with additional {$6000.00} for the interest expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Good Afternoon, I recently opened an account because of hearing good things about AMEX Gold cards. However what the package delivery stated it was delivered, I never received the package. I decided to call AMEX customer service to assist me, I ended up speaking with XXXX employee number XXXX over the phone at XXXX XXXX, he made the phone call uncomfortable and gave a condescending attitude. He was questioning me how could the package not be there as its my fault that I dont see it at the door, maybe someone couldve stole it. He made the whole situation argumentative and probably didnt cancel the card, if any charges are made on that card even when i reported it as not received, I shall not be liable for it. XXXX has awful customer service, and gave me a very first bad impression. 

Now I have an account under this carrier but have no card to use it, they are refusing to give me a replacement card, even when I told them i never received the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: CITIBANK, N.A.
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX I could no longer pay my Home Depot credit card XXXX XXXXXXXX. It was from my previous marriage and was a card for our business but was in my name and after splitting with my husband he took the business and left me with nothing. I was continuously contacted from the credit card company and finally settled with them for {$300.00} which was a fraction of the over {$3000.00} card owed XXXX XXXX XXXXXXXX I was served a court order from a XXXX XXXX XXXX XXXX attorney XXXX  XXXX  on behalf of XXXX XXXX XXXX saying I owed this debt even though it was after the XXXX years legal to collect the debt in XXXX and was now a legal resident of XXXX XXXX so XXXX  years is the legal limit and even though I had previously settled with the credit management company. Today XX/XX/XXXX I received a notice of garnishment of earning dated XX/XX/XXXX saying I owed now {$4000.00}. I just spoke with the attorney and they told me the call was being recorded they received this XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I informed them was XXXX years past the legal standing to attempt to collect a debt in XXXX  since that was where this case started and even if it went to XXXX it was still a year past their legal standings and the attorney told me this call was over and hung up on me.

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 2022-09-13
Company: Experian Information Solutions 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:
In XXXX I took a federal Perkins loan from the University XXXX XXXX XXXX of {$1300.00}. I graduated in XXXX of XXXX and because of the events that followed in XXXX ( COVID-19, lay-offs, etc ). I was under the impression that this FEDERAL loan was also deferred with my other loans. In XX/XX/XXXX I received a letter about repayment and being late although I had no prior notification. By then I was {$240.00} behind and because I was still not back at work full time due to the pandemic, I had to split the payments through XX/XX/XXXX to be able to catch up. Starting in XX/XX/XXXX I have had auto payment set up with XXXX. On XX/XX/XXXX I made a dispute with Experian when I saw my credit score drop XXXX points and it was because it kept showing I wasn't making payments or was late and the balance was still high although I checked my XXXX  account at the time as well as my bank account to show I was up to date. The case was resolved until XX/XX/XXXX when I received a notification that my dispute was reopened ( NOT BY ME ) and that the agency finally updated them. I contacted the university and they also stated that other students have had the same issue with thinking that the federal perkins loan was part of the federal deferment of student loans when COVID-19 hit and stated there was no assistance due to the pandemic either. They also said they had my wrong email and mailing address which is why I never received notification of when I was supposed to be making repayment and so on my credit report it just seems like I was late for 6 months ( XXXX XXXX ) for no reason. They updated my information on XX/XX/XXXX and was told nothing else could be done.

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 2023-08-13
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had contacted XXXX many time by calling and written them about the five accounts on my credit report that is not mine. 

1 : XXXX XXXX XXXX XXXX XXXX 2 : NAVY FEDERAL CREDIT UNION 3 : XXXX XXXX : XXXX XXXX 5 : XXXX XXXX, XXXX I had given them documents that the company, ( XXXX XXXX asked for and still to no end nothing was removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: SLM CORPORATION
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:
I called Sallie Mae on XX/XX/2020, the due date of my loans, inquiring about forbearance due to the coronavirus pandemic. My account was put on a disaster relief forbearance that same day. I specifically asked my account manager XXXX employee ID : XXXX XXXX if they would be reported as late to the credit bureaus. After putting me on hold to speak to his supervisor, he said no they should not be reported as late due to disaster forbearance and if they are erroneously reported late to call and they would be removed. It has been challenging to get anyone from this office on the phone and regular customer service won't help me. 

Governor XXXX XXXX forced the closure of all non-essential businesses in my area, XXXX county in Pennsylvania, as of XX/XX/2020. I am not able to work due to this which is why disaster forbearance was given. I should not have to spend hours on the phone with Sallie Mae trying to remove late payment reports when they specifically told me they wouldn't be reported. I have been penalized for prioritizing having a place to live over paying student loans during a national emergency/pandemic.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX owned my 2nd mortgage which was an interest only structured to be a balloon payment due at the end of the 15 year term. 

They sold my mortgage to Select Portfolio Servicing ( SPS ). SPS made attempts to collect the debt. I received quote payoff amount in the amount of {$26000.00}.

I withdrew my 401k funds and paid {$25000.00}, with intention of paying the less the {$900.00} left the following month so I could be done with this company. I initially tried to pay online but none of their online tools allowed for payments of this size. 

I went to my bank and initiated a wire transfer in the amount of {$25000.00}. 

The funds cleared my account on XX/XX/2020. On XX/XX/XXXX SPS returned {$25000.00} payment. 

When I inquired why, they advised it wasn't for the full amount and have proceeded to call me 10 times a day hounding me about this debt. 

I went to extreme lengths to pay 96.5 % of the debt, and they returned the funds. And now have the audacity to harass me with debt collection calls. It makes no sense and I feel that SPS doesn't want this debt resolved but only wants to harrass and intimidate me. It is very unfair and they should be reported for these wicked practices. 

Not only have they harassed me with constant calls, they have reported derogatory remarks that have taken my XXXX credi score to XXXX. 

This is terribly unfair especially since I paid 97 % of the debt with intention to pay the remaining {$900.00} soon after the funds were sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-13
Company: Experian Information Solutions Inc.
State: CA
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 my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, in amount of {$7700.00} 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