BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-12-09
Company: Avant Holding Company, Inc.
State: CO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX I applied for a loan through Avant to consolidate some debt. During the application process I was required to provide my bank account information, presumably to pay the installments of the loan. I was denied the loan and, on the same day, I submitted a request to XXXX to delete my account. 

On XXXX I was responded to saying that Avant could not delete my personal information because the information is subject to the XXXX XXXX XXXX. I responded the same day asking if my bank account information is included in that, as it is the information I would actually like deleted from the platform. 

On XXXX I received a generic response to my previous question that they are sorry for my negative experience and that any additional questions should be directed to XXXX for more help. 

On XXXX I contacted XXXX and stated that, while I understand some of my information must be retained for compliance reasons, why could my bank account not be deleted? 

On XXXX the resolutions department responded to me stating that " all information we gather is used only in accordance with our privacy policy '' and linked me to the policy and told me to read it carefully to understand what they do and what information is shared. 

On XXXX I responded, after reading through the policy, stating that I don't see anything about collecting and using my bank account information. I also asked, since I do not have a credit product from Avant, what is the basis for refusing to delete my bank account from their system? I linked a quote from their privacy policy asking for them to elaborate on it, if it potentially includes the bank account information. 

I have not received a response since. I have asked for follow-up on XXXX and again on XXXX. I contacted XXXX on XXXX specifically asking them to delete my bank account information, figuring perhaps asking them to delete my account was too much. I received the EXACT same response I received on XXXX. I replied that I have reviewed the legislation ( to the best of my ability ) and the linked Avant policy but could not find why they would keep my bank account information. 

I have not received a response. At this moment I do not have much hope this company will respond to me and answer my questions. The question of why and where is the bank account included in the information they must retain for their legal and compliance purposes has gone unanswered. If they can not delete it, fine, but no one will give me a sufficient answer, just generic copy-paste responses or links to policies that do not answer my question.

Company response to consumer: In progress
Consumer complaint received 2022-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice, it is a Fact, that, I, agent for principal XXXX XXXX and XXXX, I am a federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the XXXX both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX, and autograph as the agent and administrator in fact. Notice, it is a fact that, I, agent for principal XXXX XXXX and XXXX, have reason to believe and do so believe, I the consumer, owe no such alleged debt ( s ). Notice in Fact, I, agent for principal XXXX XXXX and XXXX, have never signed a CONTRACT or PROMISSORY NOTE with PORTFOLIO RECOV ASSOCIATES. Notice, it is a Fact, that, I, agent for principal XXXX XXXX and XXXX, am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) and pursuant to 15 U.S.Code 1692c ( c ) I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein. Notice in fact, I demand these items stop being furnished on my consumer reports or pay me {$4300.00} for every minute they've been reported on my behalf. Notice, it is a fact, without an affidavit response with rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and I will file fault judgement in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact. Notice, it is a fact and I, agent for principal XXXX XXXX is aware, an unrebutted affidavit stands a truth in commerce. You have 15 days from the date of delivery to respond to this notice. Should there be dishonor in the aforementioned requested documentation by way of unrebutted affidavit, failure to disclose requested documents, or failure of response, and the particular requests to rectify any fault by PORTFOLIO RECOV ASSOCIATES herein, will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. However, I do in good faith expect you to handle these matters with ordinary care to address all subject matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: EQUIFAX, 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 XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX I recieved a call from cardinal financial company XXXX, texas XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX from employee XXXX  XXXX XXXX He called inquiring regarding an application I inquired about for pre approval requirements for home buying. Due to me and my husband taking a first time home buyers course at the time. During the conversation XXXX XXXX ask for me and my husband social security number even though my husband was not near me and due to me being at work at the time. I informed him that I was not comfortable and my husband would need to consent for him to run his credit and that I could not do that. XXXX XXXX informed me that he would not run a credit check due to me calling just inquiring and for him needing permission from my husband and I to complete the application. Instead after the call ended abruptly fast mr XXXX XXXX ran a credit check for myself and my husband using credit plus which he failed to mention. Afterwards I reached out to cardinal financial by phone, email, and customer advocacy and did not recieve a response and still have not recieved one to date regarding concerns for my credit and significant other. The only response I recieved was that my application was suppose to be considered not complete and they have no information but there information is wrongly on my credit and has affected my credit score. We are looking into pushing forward with lawsuit for XXXX and breach of consumer 's act or willing to settle in mediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express has been sending me emails promoting a " Plan It '' program with no interest payments when using their credit card on a qualifying purchase. 

On XX/XX/20 I went to Am Ex website ... 

https : //global.americanexpress.com/lending/installments/calculator ... and used the online calculator to find out what terms would be for {$3000.00} It showed options for repayment of no interest for either 12, 18, or 24 months. 

On XX/XX/20 I called Am Ex customer service and confirmed my intended purchase would qualify for this " Plan It '' promotion. I when spent {$3000.00} using American Express. 

When the charge posted to my account on XX/XX/20 I tried to use the " Plan It '' promotion but the options were now 3, 6, and 12 months. 

On XX/XX/20 I called Am Ex customer service and spoke to XXXX. I explained my situation. He used the calculator and got the same times of 12, 18, and 24 months. 

He put me on hold and spoke with the " Plan It '' team. They declined to offer me what their calculator had saying the calculator was just an estimate. 

In the fine print of the offer terms it did state the terms could be changed because of credit worthiness. 

I have kept my Am Ex account in good standing for years. 

My balance on the card is well below my credit limit. 

I have a high FICO score. 

There was nothing in the fine print of their terms, nor in my credit history which could have suggested to me the terms would be anything other than what was shown by their online calculator. 

I consider this to be a highly deceptive promotion, especially during the coronavirus national emergency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have communicated with all three credit companies about their inaccurate reporting information. Unfortunately, this erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. 
List of inaccurate information : Both XXXX XXXX and XXXX ON XXXX are inaccurate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. 

The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. 


Both XXXX XXXX and XXXX XXXX XXXX  are inaccurate and must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: CURO Intermediate Holdings
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 have two installment loans. One with SpeedyCash.com and the other one is with XXXXXXXX. I took out the loans in XXXX after starting a new job. I have made all of my automate payments as scheduled. Today I called for a payoff and settlement of the loans. That's when I found out that I have been paying primarily interest on the loans. I have already paid back the principal on both these loans. SpeedyCash.com loan was for {$820.00} and I have paid back {$1400.00} with a payoff of {$730.00}. XXXX loan was for {$400.00} and I have paid back {$640.00} with a payoff of {$430.00}. There was no way of getting off or this cycle. I called and told the companies that my wife had lost her job because of the COVID-19 I was offered to extend my payment by 5 days or make half of the scheduled payment. I asked if it was a way to settle the loan I was told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX I would like the following numbers removed they do not belong to me : ( 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 explanation
Consumer complaint received 2021-10-21
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:
Transunion sent a letter on XX/XX/XXXX File # XXXX stating they will not delete inquiries on Consumer report. Consumer has a police report on file since XXXX and Transunion has confirmed but will not acknowledge police report stating the inquires will remain on Consumer report for 2 years. 

Transunion continues to fail to acknowledge they are the furnishers and is not reporting accurate information from identity theft. 

Violations 15 USC 1692k {$1000.00} per violation

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
THESE FRAUDULENT ACCOUNTS ARE LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

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 2022-10-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My sons guardianship account was closed XX/XX/XXXX and as of today ( XXXX/XXXX/XXXX he has not received his check for {$1800.00}. We ( myself, his father, and Chase employees ) have been trying to rectify this for, now 12 months, with no success. We have contacted Chase via e-mail, XXXX ( notarized as they requested ) account escalation specialists, phone calls ( many ) and direct talks with Chase representatives XXXX XXXX different ones ). Nobody can give us a satisfactory explanation as to why he has not received his money. We are still waiting, after 27 plus attempts, if for nothing else, at least a reason why this is such a complicated matter for mighty Chase, taking up so much of our time. A similar letter was sent on XX/XX/XXXX to the Account Escalation XXXX XXXX ( XXXX XXXX ) with the Case # XXXX ... .....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
This is my FOURTH time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT ANATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX XXXX XXXX # XXXX -CAPITAL ONE AUTO FINANCE # XXXX -XXXX XXXX/XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
in XX/XX/XXXX, I lost my job and the citizen one put me on Forbiddance plan. i got my job back on XX/XX/XXXX. on XX/XX/XXXX, I contacted the financial institution ( citizen one ) to remove me from the forbearance plan and allow me to start making a monthly payment as i can't pay 8 months of mortgage in one shot. they agree and they send my account to be reviewed. since XXXX until XX/XX/XXXX they still doing a review. they kept putting my account on more forbearance plan extensions with no resolution. i have been calling them for the past 7 months twice a month to see if there is any answer. Now i am supposed to pay {$66000.00} or they will report it to the credit bureau. i made few payments during the past 7 months but it doesnt show on my account. they claim they can't post it until the account get a resolution. So, they are collecting interest although i am willing to make payments and my payments doesn't get posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: JPMORGAN CHASE & CO.
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:
I received a phone call on XX/XX/2020 at XXXX PST from caller ID 'Jpmorgan Chse ' tel number ( XXXX ). They said they were with JPmorgan Chase and were offerring 0 % interest for a limited time on my current card. They had me wait on the line and this guy picked up and immediately asked for my full name, then asking for my credit card #, and asked if it was Visa or MC, and what my balance was on the card, to see " if I qualify for the promotion. '' They also asked for my bank account number and bank name. I didn't give any information because they were rude and demanding my information. I immediately suspected it's a scam. Please don't fall for this scam and let others know!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NY
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 XXXX  Account Child support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A State I have 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 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting 100 % accurate its lists the Child Support court as the furnisher thats forgery and misleading when the courts dont report this type of 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