BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been reaching out to TRANSUNION, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TRANSUNION and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2019-10-18
Company: Experian Information Solutions Inc.
State: CA
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:
THE ACCOUNTS DISPUTED ARE NOT TRANSACTIONS MADE BY ME. THESE INACCURATELY PLACED ACCOUNTS NEED TO BE REMOVED OFF MY ACCOUNT FOR THEY HAVE CAUSED HARM TO MY CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-08-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The balance for my student loan debt is reporting multiple times on my credit report for different amounts, under the same account number.

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 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This compliant is against XXXX XXXX I have disputed this account that is currently listed on my credit report. I sent a mailed correspondences to XXXX XXXX and the only documentation they are showing me are invoices for me to make payment. I have never entered into any agreement with XXXX and I have asked them to verify the proof that I owed the debt.
<P/>
When I dispute these items with XXXX, Transunion & XXXX the debt is continuing being reported on my credit report as verified from furnisher which is a violation of the FCRA.
<P/>
Currently the furnisher XXXX XXXX is reporting false information for example : The date open reports XX/XX/XXXX Date of 1st delinquency XX/XX/XXXX Date of the 1st major Reporting XX/XX/XXXXHow can the account 1st delinquency which is XX/XX/XXXX, occur a year before the account open in XX/XX/XXXX.
<P/>
This information is false and I have requested all three 3 credit bureaus XXXX, XXXX and Transunion to delete 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 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/XXXX I sent a bankruptcy/tax lien removal letter to both XXXX and TransUnion Credit Bureau. I called on XX/XX/XXXX to get results. Upon receiving my results I was made aware that they verified my information. I did not ask for a verification, but a validation. The Bankruptcy/Tax court does not verify information with the credit bureaus. In my request for VALIDATION ; NOT VERIFICATION ; I stated '' The XXXX /TRANSUNION Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). " XXXX, the system in which they use to VERIFY ; NOT VALIDATE AS I REQUESTED ; this not in compliance with FCRA laws. Both credit bureaus verified that they did not receive nor request the required documentation that is required and requested by the consumer. This is a violation. I am requesting the bankruptcy and tax lien be removed from my public recorded immediately within 30 days as stated ; " Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the XXXX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. "

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 2019-08-03
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was using paypal with an account with the email XXXX. Few days ago paypal limited my account and i am not able to withdraw any money to my verified bank account. Paypal sent me an email explaining to lift the limitations on my account and able to withdrawn money to my bank account i had to send in my photo id, social security number card and proof of address. I sent in my driver license as proof of photo id, my social security number card which is the same social security number listed on the account as well as my credit card statement for proof of address which is the same address listed under the account. All 3 documents was rejected. i called and was told my account is permanently limited and not able to withdraw any money from account and that i  need to wait 180 days. The account has money in it. The money from the account all came from my XXXX sales which has already all shipped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Village Capital & Investment LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 we were closing on our Mortgage refinancing loan with Village Capital & Investments, LLC. I changed my mind and sent by fax the NOTICE OF RIGHT TO CANCEL on XX/XX/2019 before the cancellation deadline. When I spoke with my current lender I was told they no longer had my loan that it had been funded by someone else Village Capital. I spoke with the agent at Village Capital but he only tried to convince me to stay but I do not want to stay with them I dont trust the business practice. I also called the office only to get told they would email someone but no one has contacted me and I am frustrated and worried about whats going on with my home mortgage.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Identity theft

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 2019-08-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I purchased a sofa from a catalogue at XXXX XXXX XXXX on XX/XX/19 that was scheduled to be delivered on XX/XX/2019 using Synchrony Home credit card. The cost of the sofa was {$1500.00}, including a {$60.00} bank fee. The sofa was not delivered on XX/XX/2019 as contracted nor was I informed that there would be a delay in delivery. I called XXXX XXXX XXXX onXX/XX/19 to find out when my sofa would be delivered as it was already pass XXXX. I was told to call back Monday. On Monday XXXX XXXX XXXX informed me that the order was never processed and it would take a week before I could get the sofa. I couldn't wait a week for the sofa so I canceled the order. XXXX XXXX XXXX refused to give me a refund because they noted that on the receipt that the item was a final sale. This surprised me as I was not informed during the purchase that a sofa that I could not visibly see was a final sale. I had not purchased the sofa at a discount price or lower than cost nor was I able to see the sofa in store so it was not a final sale item. 
Nevertheless, I informed them that since they had not delivered on the scheduled delivery date and had not provided me with a delay notice, the contract was voided. Ive tried disputing the charge with Synchrony Home. I've asked Synchrony Home to request proof of delivery as they should have done under the Fair Credit Billing Act, but Synchrony Home sided with XXXX XXXX though they knew I have not received the sofa. Synchrony Home refused to request proof of delivery. 
There was also another charge for {$210.00} from XXXX XXXX XXXX, which I disputed with Synchrony Home informing them that I have not made any additional purchases with XXXX XXXX XXXX. I requested that Synchrony Home attain proof that the purchase was authorize by me from XXXX XXXX XXXX. I started the dispute onXX/XX/19 and still have not received a conclusion to the dispute though it's pass 60 days.

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 2021-10-13
Company: JPMORGAN CHASE & CO.
State: NY
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:
To whom this may concern, Regarding Missing Points from Chase freedom unlimited signup bonus. 

Let me take you back to XX/XX/XXXX  the last day of the promotion for Chase freedom unlimited, as seen attached ( dates & times in links ) I applied for the card and was approved before end of business day, when I click the link as I do before every card I verified that's a promotion included {$200.00} cash back after spending {$500.00} as well as 5 % cash back on up to {$12000.00} of groceries. 

Fast forward a couple months i spent well over the threshold for the grocery deal, upon checking my account he realized he only received 1.5 points Upon contacting Chase at all different levels to no avail my client was turned down saying there's nothing they could do To break it down as seen above we're talking about 5 points on {$12000.00} = 60K points Deduct 18K points ( already received as standard 1.5 ) *Total Missing 42,000 chase points Here are the links that speak about the promotion dates and times : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here are links that the End date is included .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-08
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
They capitalized interest 7 times betwe en  XX/XX/XXXX  and  XX/XX/XXXX  which resulted in an additional {$4000.00} plus being owed on my private loan. I  have qualified for a rate reduction several times since then. When out of the reduced rate program they have increased the interest rate enough to cover the reduced rate plus. My previous rate was 1 %. My current interest rate in 11.75 %. Prior to this my interest rate was 10.75 %. So its not really reduced if they are recouping it after. I initially borrowed {$6000.00}. I owe now  XXXX . They are making 100 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Exeter Finance Corp.
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:
On XX/XX/XXXX Exeter Finance Corp was suppose to take a schedule payment out for {$260.00}. On XX/XX/XXXX I received an alert on all of my credit monitoring software stating that my account was past due on payment. I was never notified by mail, email or phone that my account payment didnt go through. So I did my own investigation and found that Exeter Finance Corp had technical issues and kept declining my card payments. Because I called my Credit Union and they allowed the payment through but Exeter Finance Corp was declining it. This is the second time this had happened. The first time was on XX/XX/XXXX. I was told last time that there was nothing they can do but these false late payments are dropping my credit score 100+ points while I am in the process of rebuilding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Key bridge collection services sent me letter stating balance I had no ideal I would be responsible for the amount of {$560.00} it was during the covid-19 out break and I had been terminated from my employer on XX/XX/2020 and I came up with no benefits until XX/XX/2020 for XXXX and paid the balance in full please remove this account from credit file it's not fair.

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 2017-07-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This compliant is against XXXX XXXX I have disputed this account that is currently listed on my credit report. I sent a mailed correspondences to XXXX XXXX and the only documentation they are showing me are invoices for me to make payment. I have never entered into any agreement with XXXX and I have asked them to verify the proof that I owed the debt. <P/>When I dispute these items with Experian, XXXX & XXXX the debt is continuing being reported on my credit report as verified from furnisher which is a violation of the FCRA. <P/>Currently the furnisher XXXX XXXX is reporting false information for example : The date open reports XX/XX/XXXX Date of 1st delinquency XX/XX/XXXX Date of the 1st major Reporting XX/XX/XXXX How can the account 1st delinquency which is XX/XX/XXXX, occur a year before the account open in XX/XX/XXXX. <P/>This information is false and I have requested all three 3 credit bureaus Experian, XXXX and XXXX  to delete 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 2017-11-13
Company: Bread Financial Holdings, 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 status incorrect

Complaint:
Dear CFPB, I contacted Comenity Bank in regards to an account I opened. Currently on my XXXX credit report is showing my XXXX XXXX brand credit card account through Comenity Bank as active. I contacted the Comenity 2 months ago via telephone in regards to removing the account from my credit report in which I was told to write to their disputes department. I sent a letter via US mail 2 months ago and they have not responded to my request. I contacted Comenity bank again on XXXX XXXX, 2017 in regards to this and they told me again I could only send a letter via mail to dispute and provide the same mailing address. I explained to them I already did this step and they did not provide any further resolution. Comenity Bank is not removing this account which is incorrectly reported from my credit report is negatively impacting me. I am requesting the CFPB please assist me in resolving this as I no longer have any options and Comenity Bank is hurting my credit report. It appears Comenity Bank does not want to help consumers and is refusing to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In XXXX XXXX my bankruptcy was discharged. XXXX XXXX, The mortage company first told me i had to reaffirm the debt. I called my lawyer and he said in California, you can not reaffirm a mortgage. I continuously paid my mortgage but they refuse to report it on my credit report. XXXX XXXX, I talked to XXXX Bankruptcy Department and they stated all I had to do was send credit bureau my payment history and they will put it back on. I Sent the information in and the credit bureau and they said XXXX has to report it to them again. I have attached my payment history to show that I have been continuously making my payment. 
XXXXXXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX  Phone Number : ( XXXX ) XXXX Acct # 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 2021-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I noticed an inquiry that was not authorized by me, and the inquiry is stuck on my credit. When I go through the creditor there was no resolution. 
XXXX XXXX XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Castle Credit has been calling my house supervisor at work, asking to call them on this number, XXXX ext. XXXX. They demand from me to pay my loan since its only the interest I was paying. When in fact, the water softener I financed with them created a problem as it was leaking and my neighbor complained about it. Instead of installing it in the garage, it was installed in an uncovered place outside my house. They have been calling my work and even my friends and I felt this is harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They merged my credit file with my brother 's credit file because we are relatives with similar name and same 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 2017-07-08
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: Their investigation did not fix an error on your report

Complaint:
There are inquiries that I did not authorized on my report. I called TransUnion and E-mail and sent letter to them. I gave them the police report number for the case. XXXX XX/XX/2016 XXXX XXXX XX/XX/2016

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