BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission ( see 15 USC 41, et seq. ). 

Upon multiple notices to the credit agencies, I have stated I am a victim of identity theft, I HAVE SENT DOCUMENTATTION PROVING I AM A VICTIM OF THEFT. I have sent documentation that included an FTC Report as well as a Police Report. The credit agencies have failed to follow FCRA 605B ( 15 U.S.C, & 1681 c-2 ) which states that this information must be removed within four business days. I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES XX/XX/2021 & XX/XX/2021 I have also asked that the credit agencies refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C, & 1681 c-2 ) which states that this information must be removed within four business days. I have demanded them to remove the items stated below XXXX. Identity Theft XXXX Account Number : XXXX XXXX. Identity ThefXXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX  Account Number : XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX  A Account Number : 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 2018-01-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
i had an credit card account with chase bank, a ink business card. The account was open for about a year ( opened about XX/XX/XXXX ) i used it for business making purchases and paying them in time the account was in perfect standing never a late or returned payment never sold the point or did anything that was against there term and conditions and then on around XXXX XXXX  2018 i logged on to my account and i saw that they have closed my account i called up and was told they have decided to close my account based on a back office decision all my requests for them to reveal the reason were not returned

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Ballybunion Enterprises, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called Military Credit Services because I just received my bill and there was a late of {$18.00} for the month of XXXX. This payment was due XX/XX/17 was mailed out XX/XX/17 and was posted XX/XX/17. this has happened more then once and it would seem that this company does this to everyone just to get the late fees. When I talk to one of there rep 's all I got was a bunch grabage about check from day one of this account. I was getting no were with this person and knew it would not be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission ( see 15 USC 41, et seq. ). 

Upon multiple notices to the credit agencies, I have stated I am a victim of identity theft, I HAVE SENT DOCUMENTATTION PROVING I AM A VICTIM OF THEFT. I have sent documentation that included an FTC Report as well as a Police Report. The credit agencies have failed to follow FCRA 605B ( 15 U.S.C, & 1681 c-2 ) which states that this information must be removed within four business days. I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES XX/XX/2021 & XX/XX/2021 I have also asked that the credit agencies refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C, & 1681 c-2 ) which states that this information must be removed within four business days. I have demanded them to remove the items stated below 1. Identity Theft XXXX  Account Number : XXXX 2. Identity Theft XXXX Account Number : XXXX 3. Identity Theft XXXX  Account Number : XXXX Account Number : XXXX 4. Identity Theft XXXXXXXX XXXX XXXX  XXXX A Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Account Control Technology, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Requested debt validation multiple times from ACT, and XXXX XXXX, which were all ignored. Validation of Debt was never provided as legally required. In response to my last CFPB dispute ACT 's Compliance Representative for Account Control Technology , Inc. ( ACT ) stated this debt was recalled and should no longer be showing up on my credit report as ofXXXX. Yet this is still showing up on my credit report and negatively impacted my score.

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 2017-07-28
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hi I had bought furniture a year ago from XXXX XXXX and had promotional like if you pay off in one year there is no interest charged. After promotion is expired they charged me interest charged {$550.00} on {$1100.00}. I talked with them asked charged interest on my remaining balance but they said we are charging on whole purchased amount and now i have to pay interest for whole that promotional year. I do n't know why this is too much charged i have to pay. Please help me on this issued. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Affirm 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: Information belongs to someone else

Complaint:
I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after XXXX XXXXXXXX XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on this account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, CA XXXX, AFFIRM INC XXXX Date Opened : XX/XX/XXXX Balance : {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission ( see 15 USC 41, et seq. ).

Upon multiple notices to the credit agencies, I have stated I am a victim of identity theft, I HAVE SENT DOCUMENTATTION PROVING I AM A VICTIM OF THEFT. I have sent documentation that included an FTC Report as well as a Police Report. The credit agencies have failed to follow FCRA 605B ( 15 U.S.C, & 1681 c-2 ) which states that this information must be removed within four business days. I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES XX/XX/2021 & XX/XX/2021 I have also asked that the credit agencies refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C, & 1681 c-2 ) which states that this information must be removed within four business days. I have demanded them to remove the items stated below 1. Identity Theft XXXX Account Number : XXXX XXXX. Identity Theft XXXX Account Number : XXXX XXXX. Identity Theft XXXX Account Number : XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX A Account Number : 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 2019-09-20
Company: CITIBANK, N.A.
State: CO
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:
Last year Citibank was required to provide a refund to customers due to overcharging on credit card interest. I waited for this refund to arrive in the mail. In XXXX I was notified that an attempt had been made to mail the refund check, in the amount of {$1100.00}, to my address, without success. This notification reached me by mail, but apparently a check to the same address did not reach me. I called the number in this notification. After being transferred between a number of people, I was finally told a check would be re-issued to me, to be patient and wait 40 days. When that check did not arrive, I called again. I was transferred around between at least eight people, spending more than an hour on the phone. In that call I was told the refund check had spoiled and the money reverted from the refund company back to Citibank - in XXXX, 2019. I was told the money had then been credited to my now closed ( and inaccessible ) credit card account ( who would want an account here? ). I requested that one or the other of the companies send the money to me right away. Finally, a customer service rep guaranteed me that she would take care of sending a check to me and guaranteed it would arrive no later than XX/XX/2019. It has not. Each person I have spoken to apparently has simply lied about sending out a check, probably saying so only to get me off the phone. I believe the 'refund ' idea is a scam. If it is real, then I would like the money owed me, plus interest sent immediately ( since it is more than a year overdue ). I have attached the Notice from Citibank which includes my phone call notes. Can you please help me to resolve this matter? 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 non-monetary relief
Consumer complaint received 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. the Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

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 2022-01-18
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The three bureaus are in the wrong for deleting fraudulent information off my report and then put it back on there. That is not right. Items were deleted back in XXXX and resubmitted in XXXX. Pursuant to FCRA 605B they have 4 days to block fraudulent items from my report. I was in the middle of starting the process of buying a home and now I have to wait because they put fraudulent information back on my credit report. I have tried calling to get answers and I am getting no where with that. I need these items items deleted immediately. Please help me solve this problem.

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 2017-07-28
Company: Stellar Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An amount of 1000 + dollars was added to my credit report last week, driving my credit score down XXXX points Company was Stellar Recovery XXXX XXXX XXXX, XXXX, XXXX Utah or Montana. It supposedly started from XXXX XXXX XXXX ans I can not find them on web except in XXXX XXXX VA Never lived or even been there. Tried to call the company Stellar ... ..Busy busy busy. Tried their web suite to open complaint. Web does not allow form to be filled out. When in XXXX, VA up to XXXX 2014, XXXX was our cable provider but all boxes and last bill was paid, in fact to my best memory over paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I transferred XXXX litecoins worth {$13000.00} at the time from an external account. The funds were confirmed received in my Coinbase account. Coinbase then automatically transfers these funds to my XXXX account. However I received 2 emails one saying it was successful and one saying there was an issue and I will have to manually transfer it. The problem is now my XXXX litecoins do n't appear in either my Coinbase or XXXX account. I opened a ticket with coinbase and have yet to receive even an acknowledgement that they are working on this problem. It has been 5 days since the funds have been missing. Therefore I have been unable to buy or sell anything for 5 days which has also cost me opportunities. I know I am not the only person having this issue as there are several people who have posted on XXXX about this same issue and it has yet to be addressed or acknowledged by anyone at coinbase/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-01-07
Company: Rocket Mortgage, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Quicken loans or known as XXXX, through hard background pulls, pulled my credit 2x in 2 days which lowered my FICO score by 150 points they claimed that was not possible but hard pulls happened to be the only change and I was STUCK using them bcuz other agencies would only affect in additional negativity on my credit report because of this I was not able to get a conventional loan for which I previously qualified. Of course lies were made promising this would be looked into and corrected but when I pushed for results and correction updates I was told that the only thing they can do IS RERUN my report which would n't help me at all and would most likely make my rate higher ... I was disgusted but unable to do anything ... the option they offered was to refinance in 6mths through them ... this must be stopped they lied az well as raised rates after the facts. I would have sued but they knew I was n't able to afford it after adjusting my fees and constantly changing where money was going to and from ... people should n't feel so hopeless and I was n't able to get them to remove one of the hard pulls asked for help received none

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Statebridge Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The original principal amount of the mortgage in XX/XX/XXXX was {$530000.00}, as at XX/XX/XXXX when Statebridge took over, the monthly payment was {$3600.00} and was for the 30 yr term, we were behind on payment for couple of months and the outstanding was added to the principal balance. Statebridge did a loan modification, and extended the term to 40 yrs, so instead of a maturity date of XX/XX/XXXX, it was extended by 13 yrs to XX/XX/XXXX. They gave us a supposed relieve to $ 2604 monthly payment for 5 yrs and then {$3600.00} for the remaining 35 yrs at an higher interest rate, which is a rip off. Also the " the interest rate will reset to rate of the original note is ambiguous and deceiving, because even though the rate at origination of the loan was 5.95, XXXX XXXX had reduced the rate to 4.95. Statebridge made us believe they were helping us with modifying the loan but they actually hurting us on the long run, this is a sharp practice that needs to be investigated, the loan has been sold many times afterwards fro profit at our detriment, now they new service XXXX XXXX was us to start paying {$3600.00} at a rate of 5.95 instead of 4.95 as received by Statebridge for the remaining 35 yrs. If we had understood the implication of what they made us sign we would not have signed their deceptive loan modification in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a phone call at XXXX on XX/XX/XXXX from XXXX XXXX regarding an outstanding balance of {$5300.00} under my last name, social security number, and date of birth. The debt was missed payments by XXXX XXXX, the tenant, for an apartment at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I informed the representative that I did not co-sign for the apartment and have never resided at that location, or in the XXXX area. They asked me to file a police report for Identity Theft, which I did on XX/XX/XXXX at XXXX with the XXXX XXXX PD, Case # : XXXX, to start an investigation and sent a copy of the report to Hunter Warfield 's email along with a copy of two forms of identification and additional documentation. I also filed a report with the FTC on the Identitytheft.gov website. I had not heard back from Hunter Warfield through email or telephone, and never got an answer when I tried calling or left a message. On XX/XX/XXXX I received a Credit Report Update through XXXX that XXXX XXXX had flagged my account as UNPAID for {$5400.00} on XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: Convergent Resources, 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: Problem with personal statement of dispute

Complaint:
This company is still reporting this account on my report after I filed an FTC report for identity theft. This is not my account and it was opened as a result of identity theft. They still refused to remove the account after I sent in my FTC report documents.

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 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2022-01-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Caller ID showed Unknown, I answered the call at XXXX XXXX  on XXXX XXXX, 2018. A woman calling from XXXX XXXX. This is regarding my XXXX XXXX XXXX and I am aware of the delinquency, have made a partial payment. Past due is LESS than 30 days.

Company response to consumer: Closed with non-monetary relief