BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-18
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: Information is missing that should be on the report

Complaint:
I have continued to call Transunion every day 2 and 3 times a day about whats going on and have even spoken to supervisors that has no clue about what to do. Most of the people i have spoken to are based in a foreign countty and there is a language barrier. I spoke to a XXXX rep today after holding for hours that stated that my account with XXXX XXXX XXXX XXXX was not supposed to be removed from my transunion credit report and didnt know why it happened. He then said a code was next to the account that he had never seen before so he attempted to transfer me to a special department and it hung up. I proceeded to call back with no luck. People are tell me that they cant replace the positive account, which was my longest line of credit, back on my report. Im devastated! Why did this happen. I never ask them to remove this account. With everything thats voing on with the equifax breach i am worried. Where is my account. They also are saying they cant put it back which is not true because they are still able to pull up the account. I need my account back on my 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 non-monetary relief
Consumer complaint received 2019-03-05
Company: EQUIFAX, INC.
State: VA
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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to UPDATE these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday XX/XX/XXXX I received a letter stating that I was declined for a credit card because I have an overdrawn checking account with Chase Bank. 
I am a signer on a COLLEGE Checking account with my daughter. I immediately called to find out how much overdrawn she was. I was informed that the checking account is {$48000.00} overdrawn. After further investigation I was told that there were several withdrawals ( in person ) and large wire transers. I immediately filed a claim. These transactions were made in XXXX and would have shown on a XXXX statement if I had received XXXX. I am still within the 60 day time frame to dispute activity on the account. I was told that my daughter needed to sign and return a letter that Chase was mailing to her immediately to move the claim forward. On Thursday XX/XX/XXXX I called to find out where the letter was. After XXXX hours on the phone, back and forth with various Chase reps I was informed that the claim was denied on the same day I filed it and that it was past the time frame. I was also told that a device registered to the bank account was accessing the account and making large deposits and withdrawals to the tune of {$310000.00} in a college account, without notifying me, the parent on the account. We have notified the police department, and the fbi about the fraudulent activity but Chase bank has not allowed us to properly file the claim within the allotted time frame. 
Someone needs to determine why Chase refuses to allow, by law, us to file the claim and perform an investigation. How were two in person withdrawals for large amounts ( {$10000.00} and XXXX ) handed over to someone without i.d .? How were hundreds of thousands of dollars wired without anyone being notified? The device accessing the account was a stolen phone that is blacklisted and not being used by my daughter. Chase bank refuses to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I had a credit limit of {$1000.00} when I first opened up my Synchrony Bank Ashley furniture credit line. I have made my payments on time over the minimum amount due for a year. I received a notice from my credit reporting agency that my score went down. I looked into it and found out that synchrony decrease my credit limit down to {$590.00}. I was given no prior notice. And they refused to tell me why. This has drastically lowered my credit score.

After reading reviews this is happened to many other people during this Covid-19 pandemic. I have never missed a payment and I always paid more than the minimum amount due so they should not of happened to me. I believe this is unfair business practices.

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 2019-03-05
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-05-29
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I AM REQUESTING HELP WITH THIS MATTER I HAVE TRIED TO MAKE A COMPAINT WITH THE XXXX ABOUT THIS MATTER. I WAS GIVEN THE COVID 19 RELIEF PROGRAM WERE BMW FINANCIAL SERVICES SAID THEY WOULD DO A DEFERMENT ON MY PAYMENT BECUASE I WAS XXXX XXXX XXXX XXXX AND WAS UNABLE TO WORK AND MY WIFE TOOK XXXX ALSO. I WAS IN CONTACT WITH A REPRESENTATIVE THERE AND SHE TOLD ME TO STAY IN TOUCH AND PAY WHAT I COULD, WHICH I HAD CONTINUOUS COMMUNINCATION WITH THEM AND WAS TOLD THAT REPORTING WOULD BE PUT ON HOLD AND THEY WOULD DEFER MY PAYMENT AND CREDIT REPORTING WOULD RESUME IN XXXX. I MADE A {$2500.00} PAYMENT AND ANOTHER {$1500.00} PAYMENT WHICH WAS SENT BEFORE XXXX. 

ONCE XX/XX/2020 CAME I MADE MY NORMAL PAYMENT AND THEY REPOSSESED MY CAR AND TOLD ME THAT I WOULD HAVE TO PAY {$12000.00} TO RECEIVE THE BMW BACK, THEY NEVER DEFERRED MY PAYMENT THEY DEMANDED THE PAYMENT ALL AT ONE TIME. 

I WOULD LIKE HELP WITH THIS MATTER BECUASE THEY USED FRAUDLENT TACTICS AND LIED AND LED ME TO BELIEVED SOMETHING TOTALLY DIFFERENT. 

REPSPECTFULLY XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a promotional rate savings account with TDBank. 
The rate was to be 2.50 % for 12 months from account opening. 
As I approached the end of the promotion period I began asking when exactly would my promotion period actually end ( what date ) and what would the new, non-promotional rate be. I sent secure messages to TD via the internet portal, called the retail bank offices, and asked the reps on the XXXX number customer service. I got nowhere. AWFUL CUSTOMER SERVICE. 

Finally, I decided after NUMEROUS inquiries, to close the account by transferring most of the remaining balance to another TD account, leaving just a small balance. 

At that point, with just a few cents remaining in the account, I sent secure multiple messages to TD Bank thru the internet portal asking that my ACCOUNT BE CLOSED and to transfer the remaining balance to my checking account. 

I sent this request on the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

In two cases I got a non-responsive response from TD ( a canned response ) basically saying nothing. 

In one response from a " XXXX '' on XX/XX/XXXX I was actually told that she could not close my account because it had a balance. So I withdrew the last few cents and repeated my request on XX/XX/XXXX. 

Today I checked my accounts on online and I see that TD Bank assessed me two ( 2 )  {$15.00} service charges on the savings account totaling {$30.00}. 

Now, of course, during all this time, their branches are closed so u can not walk in. 

I called the branch several times, left my name, no one bothered to call me back. 

When you try to call the XXXX number you are put on a long hold to talk to a person. 

Actually, as I type this complain I am on hold now with TD Bank awaiting a live person. 
I've been on hold now for 30 minutes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-31
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: Account status incorrect

Complaint:
I have an auto lease with XXXX XXXX XXXX and on XX/XX/2019 it reported to all 3 credit bureau that i was late 30 days and caused my score to drop over 50 points which denied me an approval for a coop / condo mortgage. These mortgages have stricter requirements than standard single family homes. I called XXXX to express my concern and they provided me with a certified copy stating that my account was never late or been delinquent since its birth and they have never reported anything negative to the credit bureau. How is that mistake made and how can it be fixed. Tried to dispute with all three credit bureau but my credit score stays the same and provided them with a copy of the letter exonerating me from such delinquency.

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: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cosigned for a private student loan through XXXX XXXX that was later transferred to navigate the primary borrower default it on the loan I was contacted at eight years later that the loan is in default and asked to make a form of payment. The debt collector was called consumer collection services they made agreement with me stating that if I paid {$300.00} I could have my name removed from the loan and I would no longer be liable I have documentation that I have fulfilled my portion of this I am now in a small claims suit against a different debt collector for the same dead and they are garnishing my wages for the full amount of the loan which is {$2900.00}. I have already contacted them and provided them with the information and copies of the letter showing that I have satisfied my end of the dead yet they still pursue legal action against me. No I have lost 25 % of my income which I can not afford and I do n't know what to do. If requested, I can provide additional copies of said agreement that removes me from this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
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: Was not notified of investigation status or results

Complaint:
I am currently woking with XXXX XXXX XXXX to dispute inconsistencies with my credit report. I have many items that I did not approve and have disputed but the credit agencies refuse to get a full investigation. It seems that the investigation is one sided. The company replies and whatever they say stands. This is not a complete investigation. XXXX XXXX  in particular has claimed to have sent me information regarding the purchase of a debt I owe yet never provided the receipt to show they sent mail. As consumers were are being used. Our complaints with the CFPB are going nowhere.

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 2018-05-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted a payment of {$440.00} to Navient on XX/XX/18. Despite having debited my checking account for the payment, Navient 's systems are not reflecting this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Bread Financial Holdings, Inc.
State: SC
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:
On XX/XX/22 Comenity Capital ran a hard credit check on my account. 
I have never heard of Comenity, have not applied for a credit card, nor authorized this credit check I contacted XXXX and placed a fraud alert on my account and asked them to remove the check I attempted to contact Comenity Capital however was not able to reach someone who could help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage ( Loan # XXXX ) has not followed the rules clearly outlined for mortgage servicers by the CPFB under the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 and is therefore in violation by not identifying and communicating with " successors in interest '' since the demise of the original borrowers. As requested by telephone discussion with Freedom Mortgage on XX/XX/XXXX, court documents and death certificates were submitted ( emailed ) to them confirming the death of the original Borrowers with property being willed to their daughter who also resides at the residence. Freedom Mortgage sent confirmation of receipt of those documents. Despite numerous documented directives and communications since, Freedom Mortgage has not contacted or communicated to the heir and has rendered further harm to the " successors in interest '' by postponing required actions, not communicating loan information, unilaterally paying erroneous taxes assessed on the property without consulting the " successors in interest '' and has now tendered a notice of default with intent to initiate the foreclosure process.

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 2019-03-04
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I discovered on my credit report that there was a credit account opened under my name at J.P. Morgan Chase Bank, N.A. I have attempted to contact the bank multiple times however they kept transferring me to different departments. I have never had banking relationship with this Bank and their reporting in my credit report, when I disputed it with the credit reporting agencies, they asked me contact the bank directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Transunion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 non-monetary relief
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX The accounts in question are as follows : Account name : XXXX XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX, Account # XXXX Account name : XXXX, Account # XXXX -- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed IMMEDIATELY! 
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 2020-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I recive my govment benefit to survive this pendamic and i depost cash amount of and all together more than 4000 .. but my bank closed my account without any notice and explanation..

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 2023-02-04
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX AccounXXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2023-06-10
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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