BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX and TransUnion have been reporting fraudulent accounts under my name XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX These are fraud, I didnt benefit, apply for, and authorize these accounts

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Went to a car dealership and they sent up multiple hard inquiries that I did not consent to. I only wanted one inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dispute for transaction dated XX/XX/XXXX ; dispute involving services from vendor for cleaning/maintenance of unique luxury leather products ( 3 ). Services were disputed with merchant without resolution. 
Payment for contracted services was made when items were phoned to be completed. Upon pickup, and inspection, some items ( 2 ) needed re-service, and was paid in full at that time. 
Upon pickup for re-service, inspection found additional damages made to the items. Only resolution offered were additional re-service, which was declined due to damage from previous re-service. Requested refund ; merchant denied. 

Timely filed a claim with credit card company XXXX XX/XX/XXXX XXXX used to pay for services. Credit card company " lost record '' of initial claim. New claim was created ( XX/XX/XXXX ). Dispute went back and forth for Months, with " dispute resolution denied '' supposedly due to incomplete information provided in untimely manner. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 
This 'late ' information describing the dispute in question was found by the dispute resolution team to have been timely, and the dispute went around again. This same instance of 'late presentation of dispute information ' occurred as error with the credit card company twice, delaying the ultimate resolution of the dispute, as processing takes up to 45 days. 
As of today XX/XX/XXXX, the credit card dispute resolution team states that they " can not verify the services in question '' although all information requested had been provided timely, and coupled with the delays in processing of the transaction being from XXXX, they ultimately denied the claim. 
In our opinion, we maintain that the credit card dispute resolution service that is a integral part of our credit card service, and our stated issues with goods and services purchased with our credit card which should be handled by said credit card dispute resolution team, thoroughly failed in their duty to uphold their promises to protect our interest in accepting services contracted for. 
Bank of America Mastercard Preferred Member

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 2020-05-30
Company: EQUIFAX, INC.
State: RI
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:
Hello. My social security number is XXXX. Up until XXXX of 2019 my credit score was XXXX. I always pay my bills on time. And pay more than the usual amount needed monthly. I has a XXXX procedure done XX/XX/XXXX and used my XXXX XXXX credit card so that i could get the XXXX airline miles with my procedure as it was XXXX. The next month I received numerous emails telling me my score plumetted to XXXX!!! I called the XXXX XXXX  Company who said its a large purchase and they thought it could be fraud as I dont make large purchases like that. They said not to worry if i pay my bill on time, within 2 months it will bounce back to nearly 800 where it was prior to that day I used it. Its been 7 months, Im being denied a mortgage, Ive applied to 3 Lenders. All 3 consider the score and deny me.I have many credit cards with high available credit lines, that are unused and this unfair act is stopping me from buying the home I want as Im viewed with a low low score. Please, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Lendmark Financial Services
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
it began XX/XX/2022. I applied for a stove at carmines appliances. I was sent to Lendmark and they took my information over the phone. I waited over thirty days to find out if I was approved. I went to the store, and they said that I would have to call Lendmark. I made that call to find out that I was not approved because I needed my sister 's income because mine was not high enough. I did not give my sister permission to use my identity or my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: Home Loan Center, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX i received a text message saying a have been approved from a man XXXX XXXX saying he is a rep. from XXXX XXXX  and that i was approved fir XXXX $ and pay XXXX monthly. I was told that i have to pay a security deposit if XXXX in case i couldn't pay one month that security would cover it. XX/XX/XXXX i called him and he told me to go to XXXX and purchase a XXXX XXXX for the amount ofXXXX i had to buy oneXXXX card and a XXXX dollar card. He received the information and then said he was contacting the account department XXXX then later said i said have to pay an additional fee ofXXXX dollars because i was late accepting the loan. I refused to do so so i asked for my money back. He then hung up anger i haven't heard from XXXX XXXX since..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is financial discrimination, I've been traveling for the last few months, I was unable to get a temporary card, because they discontinue it, so I'm having to make cash withdrawals for my account, right now I got stuck in Utah and have, because some of the branches are not open on the weekends, but other are,

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 2021-06-22
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing today in regards to my account with XXXX XXXX account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2021 and XX/XX/2021, due to Covid I was unable to make the payment in XX/XX/2021 and XX/XX/2021. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: MO
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 been receiving a letter in the mail for some time now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and saw various child support items and loans on my account that do not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX   XXXX {$970.00} XXXX  XXXX {$22000.00} XXXX XXXX XXXX   XXXX {$4500.00} XXXX XXXX {$5800.00} XXXX/XXXX   XXXX {$770.00} XXXX XXXX XXXX {$5200.00}

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 2023-03-09
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I received a letter from Resurgent Capital Services. They're attempting to collect a debt that is not owed. Also, they indicated I had until XX/XX/2023 to contact them. I received the written notice with 27 days to respond instead of 30 days as this violates 15 U.S.C. 1692g ( Validation of Debts ). Second, my father received an email from them on XX/XX/2023 showcasing a debt that is incorrectly owed. Under 15 U.S.C 1692c ( b ) ( Communication with third parties ) my rights under FDCPA have been violated. The email indicated a debt that was incorrectly owed, the amount of the debt that was incorrectly owed, and as discussed before this email was sent to my father. As in reference to 805 ( c ) of the Fair Debt Collection Practices Act, my rights have been violated as I am not a minor, and I never gave Resurgent Capital Services permission to speak to me or a family member on a debt that is incorrectly owed. As of XX/XX/2023 I am putting Resurgent Capital Services on notice to cease and desist communications with me as supported by 15 U.S. Code 1692c. I will provide documentation of the email Resurgent Capital Services below, and where my father attempted to respond & no answer was given by Resurgent Capital Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/2018 Capital One, Quicksilver Rewards I have written to Capital One to stop sending me their details about Capital One Quicksilver. I DID NOT ASK THEM TO SEND ME ANYTHING, I DID NOT CONTACT THEM.

I've called XXXX to no avail. I have told them this is how fraud starts - with someone else getting their hands on these mailings and opening an unauthorized account in my name. THEY DO NOT CARE! They have sent me one letter for the last six months. They claim they can't stop them from coming! That is a lie!!!!

I want this to stop! I did not contact them, I do not want their card, I do not want potential fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My property is a townhome that was affected by a flood of the building and an insurance claim was filed in XXXX. The repairs were completed before the insurance check was even processed ( due to overwhelming amount of claims because of Hurricane Florence the same week. ) Check was mailed to mortgage company to sign and return in XXXX. They still will not release the funds, even after doing a full inspection to insure repairs we're completed. I want the {$14000.00} they owe us for this claim, as well as {$500.00} for the time this has take and {$240.00} for interest. It should not take 60 days to receive an insurance check to recoup our loss on this property. 

Its not right that even when a consumer does everything to bring the property back to better standards than before the claim, that the mortgage company can hold you by the throat and not release the claims. We will be suing the mortgage servicer if the interest and {$500.00} for our time is not paid in a timely manner.

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 2023-02-20
Company: Experian Information Solutions Inc.
State: MD
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 inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX/XXXX/2022 ; XXXX XXXX XXXX/XXXX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2017-09-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had a credit card with Chase Bank a few years back and it was a credit limit of {$20000.00} and I had a balance of {$19000.00} and change I paid it on time every month until it was paid off. I have called them several times regarding this is not showing up on my credit report at all. It should be listed on all three major credit bureaus as a positive remark. They have not tried to help me regarding this when I called last time they told me they will go ahead and put it through to all three major credit bureaus but they still have n't done so this should be something to impact my credit report because of the balance I paid off!!!! Please have them immediately update this to all three major credit bureaus. 
My ss # XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
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: Information belongs to someone else

Complaint:
My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
FCRA I demand the following accounts be verified or deleted immediately. 
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 2017-09-18
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: Public record information inaccurate

Complaint:
In XX/XX/XXXX and XX/XX/XXXX my husband ( we have since divorced ) did not pay his GA State Income taxes. When I discovered in XX/XX/XXXX that they had gone unpaid and two tax liens had been filed jointly against us I called the GA Department of Revenue to go on a payment plan. In XX/XX/XXXX both liens were satisfied and marked paid, satisfied and cancelled. This was also officially recorded with the Clerk of Superior Court. 

Following my Divorce in XX/XX/XXXX I wrote all 3 CRA 's with supporting documentation to request that the liens still remaining on my reports be removed. I was instructed to contact the State of GA directly in order to do so. However, GA Dept of Revenue informed me the Department has no control over what public information a credit bureau chooses to keep or report. Furthermore, although the liens had officially been withdrawn the Department does not report the recording of state tax liens to any such agencies and therefore has no responsibility to instruct a CRA to alter any derogatory reports even if they remain in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: AmeriHome Mortgage Company, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have sent an email to assumptions for amerihome mortgage company and said I would get a response in 7-10 days. My email was sent on XX/XX/XXXX. I need my problem solved for payments thank you

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 2023-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America offered incentive offers for using XXXX on its mobile app but has not paid out the incentive after I have activated, qualified, and filed a complaint with the organization. This has happened twice to me, in XXXX and XXXX of XXXX. In the most recent case, on XX/XX/XXXX, I activated and qualified for a XXXX incentive offered through Bank of America 's mobile application. I never received payment of incentive which was due within 60 days. I spoke to a Bank of America representative on XX/XX/XXXX, who confirmed my qualification, provided the promo code, and said payout would be on XX/XX/XXXX. I spoke to another Bank Rep on XX/XX/XXXX ( XXXX, XXXX. XXXX, and XXXX XXXX, No, XXXX ) when payout was never received. This rep told me there was no evidence of the incentive on my account, and they could do nothing to help. I requested they file a complaint ( No. XXXX ) and an escalation ( No. XXXX ) on XX/XX/XXXX. I have not received a response as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Huntington Bank double charged my checking account for my loan. It put my checking account in the negative, I called to get my money back they told me I had to wait for a check even though I am now broke right at the end of XXXX when bills come through. They told me the check would send on Wednesday XX/XX/XXXX and that it would be overnighted to arrive on Thursday XX/XX/XXXX. I have yet to receive a check and it is Friday XX/XX/XXXX. I got in contact with Huntington today XX/XX/XXXX about the check. I was told they have yet to even send the check and it wont be here until XX/XX/XXXX at the earliest. I currently have no money to pay bills which I expressed to Huntington due to their own mess up, yet they will still not provide any help getting the money back in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
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: Public record information inaccurate

Complaint:
XXXX, XXXX  and Experian are reporting a Bankruptcy as a public record falsely. File dateXX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.

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