BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-17
Company: Receivables Performance Management, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been calling me 3-4 times a day every day since XX/XX/2018. The calls are so annoying i installed a call blocking app called XXXX XXXX to automatically hang up on them to keep my phone from ringing all the time. 
And if it doesn't stop or get resolved properly I intend to speak with a local consumer protection attorney and file suit for FDCPA and TCPA violations.

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 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello I was sick with XXXX and im still getting back to normal. I looked at me credit and seen 24 inquiries that I never gave permission all is listed below I need these removed. I dont know whats going on. Please help and delete. 


XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Wireless Telephone Service Provider Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2021

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 2019-07-12
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: Information belongs to someone else

Complaint:
Yesterday I went to the dealership shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report again to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I have reached out to the FTC and to my local police department and I am doing this on my own and need these items deleted from my report. XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. US DEP ED, USDOE/XXXX, XXXX XXXX XXXX XXXX USDOE/XXXX. INQUIRIES : 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 2020-09-24
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$23000.00}, {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my 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 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
The credit borough reporting information from a third-party agency that is not accurate and would not provide accurate information to me about the item such as my Social Security date of birth and address and how is it being reported refuse to give me information

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 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I received 2 unauthorized hard pulls in XX/XX/ 2020 on my credit report from you all. They need to be removed immediately.

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 2018-04-17
Company: EQUIFAX, INC.
State: NY
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 sent Equifax copy of my account statement from XXXX department of XXXX XXXX after XXXX XXXX reported that I was in collections for {$110.00} from XXXX XXXX. The XXXX department of XXXX XXXX paid my bill in full when I was laid off several years ago and I have been on a payment plan to repay XXXX XXXX XXXX. XXXX XXXX sent me and Equifax a copy of a computer print out with no record of the payment from XXXX Department of XXXX XXXX and it was not itemized, as I requested. Equifax has not responded to my request to correct this and remove from my report. Equifax took the computer printout submitted by XXXX XXXX to not remove, and when I again, submitted my account statement from XXXX department of XXXX XXXX they did not respond and stated to CFPB that there was an unauthorized third party, yet this remains on my Equifax and XXXX reports. Equifax has consumer disputes and XXXX does not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was told that I would not have any fees associated with my Citibank Checking account as long as the balance was above {$1500.00}. I left the account without looking at it for over a year because I was confident that there would be no fees after my conversation with a Citibank agent.

I returned to my account and found that I had been charged {$25.00} / month and had over {$400.00} in fees on my account with no other transactions. I asked the bank to refund these fees and they refused.

I asked if there was any way to have a paper trail for written communications with the bank and was told that no, that phone calls and recordings are the only way to manage communications. The agent made a mistake and misinformed me but because of Citibank 's policy there is no way to prove this or make a case. 

They collected hundreds dollars of fees for NO VALUE on a checking account I only kept open because of the explanation that there would be no fees.

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 2021-08-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I initiated a refinance quote from Chase Bank and was offered a loan estimate for a 2.625 % rate on XX/XX/2021. After reviewing the loan estimate I agreed to it and paid a deposit of {$500.00}. Chase then scheduled the appraisal which was shown as {$760.00} on the estimate under section B. Services You Can not Shop For. The loan officer was XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX After the appraisal was done I was issued a revised loan estimate and the appraisal fee had increased to {$1200.00}. I called on XX/XX/XXXX to question this and was told that the fee charged by the appraiser was higher than expected and since the cost they charged was based on the appraiser 's fee they were passing this cost on to me. 

I pointed out to them they can't change their estimate for items listed under the Services You Can not Shop For section once I've agreed to it and paid the deposit. I pointed them at the page on CFPB 's web site XXXX https : XXXX ) which explains this. The increased fee meant their quote was no longer competitive with other quotes I had and I informed them that I would not agree to proceed unless they removed the increase. 

I was told removing the increase needed higher approval and they would get back to me within 24 hours to let me know if they could do that. Late afternoon on XX/XX/XXXX XXXX XXXX days later ) I was contacted by XXXX. He explained that he was still waiting on approval to remove the additional charge and offered me the choice of continuing to wait or closing the application and receiving a refund of the {$500.00} deposit I had paid. I chose the latter and he indicated I should see the refund within five business days. 

As of Friday XX/XX/XXXX I had not received any refund nor had the application been cancelled, as it is still active on the website. I called XXXX and left a message to follow up and as of today XX/XX/XXXX I have not heard from anyone, nor have I received any refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-17
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 status incorrect

Complaint:
Help, please. 
Trans Union credit report bureau, as of XXXX, reporting that I have delinquent and derogatory accounts and, therefore, have lowered my credit score.

I do not have any delinquent and derogatory accounts. I repeat, I do not have any delinquent and derogatory accounts.

All my accounts are up to date. I do not know the problem with the Trans Union credit report bureau company and why they are reporting false information about me. 

I want the company to provide me with all the delinquent and derogatory accounts that they claim I have 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 explanation
Consumer complaint received 2020-06-26
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: Information belongs to someone else

Complaint:
Please assist me in getting these inaccurate items and reporting removed from my credit file. 

Incorrect Personal Information : Incorrect last name on Transunion XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX ( TU and XXXX ) Incorrect Address : XXXX XXXX XXXX XXXX ( TU and XXXX ) Incorrect Address : XXXX XXXX XXXX  ( TU and XXXX ) Incorrect Address : XXXX XXXX XXXX XXXX ( XXXX )  Accounts Reporting either in error or as a result of identity theft : XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Balance : {$500.00} XXXX  ( XXXX  XXXX  ) - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Balance : XXXX Please remove unauthorized Inquiries : XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX ( 3 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX ( 6 TIMES ) XXXX ( 9 TIMES )

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 2021-08-17
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
The furnisher credit card company ( " Macy 's American Express '' or " AMEX/XXXX '' or " Macy 's '' ) reported my account as 30 days and 60 days late in XX/XX/XXXX and XX/XX/XXXX, respectively. 

As of XX/XX/XXXX, I was out of state to quarantine and billing statements were not received. On our around XX/XX/XXXX XXXX 's contacted me regarding the late payments and I immediately brought the account current by making an automated clearing house payment to Macy 's via telephone and, despite having been partially laid off due to the pandemic and informing Macy 's of this fact, during the same telephone call entered into a statutory accommodation pursuant to the CARES Act amendments to the FCRA -- a payment plan of {$200.00} per month over 36 months, and closing the account in exchange for a lower interest rate. Macy 's agreed to report the delinquent amounts for the months of XX/XX/XXXX and XX/XX/XXXX as current, but instead reported the account as 30 and 60 days past due, respectively.

I did not receive written confirmation of the terms of the accommodation with Macy 's. While my XX/XX/XXXX account statement notes that my " account is enrolled in a payment program, '' there are absolutely no details as to the terms of such program.

Fifteen months after the accommodation, the account is nearly paid in full, with only {$860.00} out of the initial {$7300.00} outstanding to-date. 

I have made attempts to correct the reporting error with both the furnisher and the credit reporting bureaus, without success. By letter dated XX/XX/XXXX, Macy 's notified me that my request to correct the information on my credit report was denied.

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 2018-04-17
Company: Second Round Limited Partnership, Austin, TX Branch
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have repeatedly asked for itemized bills and receipts and I am only being sent old copies of statements that I have no idea what the charges are. I do not know if they are furniture, bedding, service charges or anything else because I am not being sent itemized bills or receipts to determine what the charges are. I settled my issues with XXXX 's corporate and although it is being stated that XXXX, XXXX etc. are the original debt owners, the reality is I did interactions with XXXX 's corporate, who was the entity that was supposed to remove charges and correct statement as they are the one who made errors in double charging a return and were to refund the {$500.00} I had to pay to remove bedding their employees dumped in front of my building in XXXX. My credit statement on XXXX does not even state that this is disputed. 

I have no idea what they are trying to collect I request itmezed bill and receipts not old copies of statements which do not show what the charges are actually for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: FL
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:
AFTER REVIEWING MY CREDIT REPORT LAST MONTH, I REALIZED MY CREDIT WAS REPORTING INACCURATE ACCOUNTS AND INQUIRIES THAT I WAS UNAWARE OFF. THOSE ACCOUNTS ARE DUE FOR REMOVAL FOR I HAD NO IDEA WHY AND WHEN THEY WERE REPORTING INACCURATELY. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS OFF MY CREDIT FILE. THEY HAVE CAUSED TREMENDOUS DAMAGE AND TARNISHED MY CREDIT FILE, IT HAS BEEN HARD TRYING TO ACQUIRE NEW CREDIT WITH THE WAY MY FILE HAS BEEN. I STRONGLY BELIEVE THAT MY PERSONAL INFORMATION HAS BEEN TAMPERED WITH AND WOULD LIKE THESE ACCOUNTS AND INQUIRIES TO BE CAREFULLY INVESTIGATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: JPMORGAN CHASE & CO.
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:
Chase offered a {$100.00} cash back bonus for referring a friend to apply and get approved for a credit card. It has been two months since the referral was completed, but I haven't received the reward, despite receiving an automated email congratulating me for the successful referral and noting a bonus is on the way. 

On XXXX XXXX, XXXX, I referred my friend to apply for the Chase Freedom Flex credit card. I shared the link provided by Chase, which offered a {$100.00} cash back bonus. Within an hour, my friend was approved for the Chase Freedom Flex credit card, which he applied for using my referral link. 

On XXXX XXXX, XXXX, I received an automated email from Chase congratulating me for making a successful referral. The email with the subject " Your bonus is on the way, earn up to {$500.00} cash back '' said I earned {$100.00} cash back. 

On XXXX XXXX, XXXX, I contacted Chase to ask about the status of my {$100.00} cash back reward, as I hadn't received it yet. It had been more than one monthly statement ( the noted time in the email ) and about two months since I sent the referral. 

On XXXX XXXX, XXXX, I received a reply from a Chase customer service representative that I was not eligible to receive a referral bonus because my friend did not apply for the same credit card as I had. This is untrue : I also have a Chase Freedom Flex credit card and used Chase 's link to refer my friend who was approved ( and currently uses ) the same credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
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:
I have loan with carrington mortgage services in my home XXXX XXXX XXXX  XXXX fl. loan number XXXX t am current on the payment. due to covid panic in the beginning i was out of work without pay check. i was few days behind in XXXX and XX/XX/2020. MY CREDIT SCORE WAS XXXX. DUE TO THIS LATE REPORT MY SCORE DROP TO XXXX. 
I Am in the market to buy a home now. due to this late report i can't get loan approve. The XXXX come as REFER/ELIGIBLE.Please advise carrington to remove this 30 day late reporting. I ATTACHED THE XXXX XXXX

Company response to consumer: Closed with explanation