BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 was on this website called XXXX XXXX that was looking for offers for me to refinance my current car loan. They asked me a bunch of personal questions and when that was over I clicked a button to continue to see my offers. On every other site I have tried ( like XXXX XXXX XXXX or XXXX XXXX  ) that provides loan services uses a SOFT INQUIRY when looking. They also ASK YOU if you would like to continue with a HARD INQUIRY if you got preselected. After a few minutes I got like 4 emails from different agencies and a HARD INQUIRY from XXXX XXXX XXXX hit my credit report. I did not verbally authorize this company to check my credit report. I did not ASK them to run my credit. No where on the pages when I was answering their questions did I see the words saying that a HARD INQUIRY was going to be used when looking. I would like this inquiry removed as soon as possible due to the subversive nature of this website and the means in which they acquired my credit report without my knowledge or approval. 

Inquirer : XXXX XXXX XXXX Inquirer Phone Number ( XXXX ) XXXX Industry Type : Finance/Personal Inquirer Address XXXX XXXX  XXXX, XXXX, TX XXXX In addition to this, I'm a XXXX veteran and have various credit cards and a vehicle - all of which I gave PERMISSION to the company that gave me the cards and vehicle to run my credit report to gain those items.

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 2018-12-25
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have made the same disputes with all three credit bureaus for months. Just recently XXXX  rectified the situation by removing all the incorrect information from my report. After that was completed, I reached out to XXXX   and experian to see what was necessary to remove the same items. I was told to dispute it. I explained I disputed multiple times and it was returned as correct info. They said since XXXX  removes the items its likely if I resubmit the dispute the same ones will be removed for their reports as well. So I disputed it again, to my surprise it returned as correct information. So I called again and was told the companies provided evidence it was correct. I asked how could it be correct for this report and not for another? I also asked if I could get this supposed evidence and was told to reach out to the companies. I dont think its fair that I have to keep disputing for months and the two reports still show incorrect/ fraudulent information. I want the items I have disputed numerous times to be removed. I even offered to provide proof XXXX removed the items and was told it wasnt needed. At this point I dont know what to do, but it rectify ASAP so I can repair my credit 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 2020-09-23
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, per Customer Service email, I was granted an extension on a promotional purchase plus waived several payments due to the Covid crisis. The extension on interest charged was given until XX/XX/XXXX. I checked in XXXX with a customer care representative and that the extension was good and informed that person I would be making the payment in XXXX. I called to make that payment and the dollar figure that I was given and was informed that extension was not granted and that I owe the interest accrued of over {$2000.00}. I have since tried to contact JCP/Synchrony Bank on several more occasions to resolve the problem and to payoff the promotional balance and am being told there is nothing to be done to waive the interest. JCP/Synchrony has not acted in good faith and have reneged on their offer. I have an email from XXXX to support this fact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-17
Company: Collection Bureau of Fort Walton Beach, Inc
State: AL
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:
Collection company keeps tagging my credit report as a skip when my address is correct and they know it is because I told them. I have gone through XXXX and they just won't stop. They keep doing it several times a week to damage my credit in an attempt to collect bills I have disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
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 mailed Transunion a certified letter disputing the accuracy of the bankruptcy on my Transunion credit report. I received Transunion 's dispute result, file # XXXX datedXX/XX/XXXX, which stated the following : Page 1 of 5 states - " In the pages that follow you will see your detailed investigation results, including the business name and contact details of the source of the information. '' Page 4 of 5 states - " Ohio Federal Court -  XXXX '' along with their docket #, address and phone number. On XX/XX/XXXX at approximately XXXX XXXX I called Transunion to ask if they contacted the court directly to verify the bankruptcy information. XXXX XXXX was who I spoke with and she stated that Transunion verified with the court. This is a FALSE investigation because I have an official letter from that U.S Federal Court stating " Please be advised that the Clerk 's Office does not report any information to the credit reporting agencies. '' Transunion did NOT contact the court as they stated in the dispute result and I am asking that the bankruptcy be removed from my Transunion credit report due to the dishonest investigation done during this dispute. I have attached the Transunion dispute result and the letter from the U.S. court.

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 2020-01-20
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for a First Midwest Easy checking account on XX/XX/XXXX. I signed up under an ongoing {$250.00} promotional offer as well at this time. 

The requirements to satisfy in order to receive the {$250.00} promotional bonus amount included the following : - Open checking account with {$100.00} minimum deposit by close of business on XX/XX/XXXX - Make deposits totaling {$2500.00} or more within 60 days of account opening - Make 10 debit card transactions within 60 days of account opening - Enroll in mobile banking and e-statements within 60 days of account opening I successfully met all of the above requirements XX/XX/XXXX, as that is the date where I had {$2500.00} of cumulative deposits completed. I completed the 10 debit card transactions and enrollments prior to XX/XX/XXXX. 

The terms of the promotion further stated that once 'all requirements have been met, {$250.00} bonus will be issued as a credit to the account within 30 calendar days of the transactions being verified, following the 90 day period from opening. ' 90 days from my account opening date was XX/XX/XXXX and 30 days on top of that was XX/XX/XXXX. Both of those dates have passed and I have still not been credited the {$250.00} promotional bonus amount. 

I sent a secure message on XX/XX/XXXX within my online banking account asking for a status update on the {$250.00} being issued to me. I was provided a response by XXXX that she anticipated I would receive this in XX/XX/XXXX. XX/XX/XXXX came and went and no {$250.00} was credited to me so I messaged again on XX/XX/XXXX asking for an update. I was then told by XXXX that 'I was not setup for mobile banking ' and therefore did not qualify for the bonus. This is not correct as I had logged in numerous times into my First Midwest checking account from a mobile phone. Furthermore, I find it deceptive and unfair that this same representative told me to expect the {$250.00} promotional bonus in XX/XX/XXXX, only to tell me a month later after I had to be the one to follow up, that I now do not meet a requirement to earn this promotional bonus. 

First Midwest Bank is now currently saying I am not eligible for this promotion and I find this unacceptable from a customer standpoint. I fulfilled the requirements of the promotion and deserve to receive the {$250.00} bonus amount. This institution should uphold their word and honor the terms of the offer to me. 

To reiterate, as a checking account customer of First Midwest Bank since XX/XX/XXXX, I have fulfilled all of the requirements of the promotional offer that I signed up during, and as of XX/XX/XXXX, I still have not been properly issued my {$250.00} promotional bonus by First Midwest Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-23
Company: Experian Information Solutions Inc.
State: AZ
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 following accounts and credit inquiries listed on my ExperianXXXX XXXX  and XXXX XXXX credit report are fraudulent, unauthorized, not mine, and is the result of the XXXX XXXX XXXX breach discovered on XX/XX/2018 : Credit Inquiries : XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, XXXXXXXX XXXX XXXX, XX/XX/2018, XXXX XXXXXXXX XXXX  XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, {$1200.00}, XX/XX/2018, XXXXXXXX XXXX XXXX, {$7500.00}, XX/XX/2018.

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 2021-02-04
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Remex Inc never sent me a letter of the debt owed. 
When i called and spoke to someone they refused to give me what is on file or send that copy of the bill they sent back in XX/XX/2020. 
That is because they never sent anything to my address. 

The person on the phone said they will only send me paid letter. 
By NJ state law they are supposed to tell us what is on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
XXXX XXXX {$250.00} XXXX XXXX {$830.00} XXXX XXXXXXXX  XXXX {$350.00} XXXX XXXX XXXX {$32000.00} CHAPTER XXXX BANKRUPTCYDISCHARGED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: AES/PHEAA
State: WI
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 sent a certified letter to all three credit bureaus requesting them to investigate this closed account which has been closed since XX/XX/17. I asked for them to delete this closed account I also called them and it still is a hindrance on my credit report.This closed account has decreased my credit score, I'm having hardship in my life this closed account has caused me to be denied credit for housing etc. I sent the certified letters over 90 days ago and still nothing from them this violated the FCRA laws that makes the credit bureaus responsible to reply to consumers in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: Colony Brands, Inc.
State: MD
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:
XXXX XX/XX/2018 unknown inquiring on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Source Receivables Management LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter in the mail from Source Receivables Management dated XX/XX/2021. This is the first letter that I received from this company. It is regarding a bill on the letter it stated that I had 30 days after receiving this notice to dispute the validity of this debt, or any portion of the debt. I sent my response letter dated XX/XX/2021, certified and per the tracking, results were delivered on XX/XX/2021. As you can see this is well within the 30-day notification window. By law, if a consumer requests validation of debt the creditor should not report this to any credit reporting agency until I have had my legal timeframe to validate the debt. I have yet to receive a response from Source Receivables Management, but just yesterday it started reporting on my credit report to every agency. This collection account needs to be deleted from my credit report as I was not given my legal right to validate this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/XXXX I received an IBR approval letter from Navient for my two FFELP loans taking my payment to {$0.00}. The letter illustrates the plan start date as XX/XX/XXXX and the end date as XX/XX/XXXX. 
All of a sudden, when logging into Navient a few weeks ago, it showed now my payment went from XXXX to {$310.00}, with no notification at all from Navient - I just happened to accidentally stumble across it. 
I have called Navient three times and have spoken to three different Customer Service reps, each giving me a different answer. 
I've been told to do nothing - that it was pushed thru again and that it would clear off in 24-48 hours to  one telling me that they weren't going to honor the contract and that I'd have to re-apply. It took me weeks to apply last time so they are just trying to make it impossible for me, knowing the process would exceed the now new due date that they slid in. I am not going to re-apply as I'm already approved and have it in writing. 
I will attach the letter I kept illustrating this approval on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My interest rate was hiked 25 % from 12.24 % to 16.24 % WITHOUT LEGAL NOTICE. My FICO score is in the XXXX. Have been a cardholder for 30 years. A 45 day notice of interest rate increase is required by law. American Express willfully and knowingly violated that law. American Express must be forced to comply with financial regulations to protect consumers and small businesses. American Expresss management is arrogant and deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: CURO Intermediate Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This Loan was paid and should not be reporting on my credit. I have reached out to the company and the credit bureau, I do not owe this company any money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: AES/PHEAA
State: TN
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 12 closed Fed Loan student loans that originate as far back as XXXX. Starting in XXXX, I have attempted to have Fed Loan correct missing data on ALL loans and they have refused to do so. Each letter or email reply has indicated that they found no errors and that the " customer disputes the findings ''. 

In reviewing all three Bureaus ( XXXX, XXXX  and XXXX ) on XX/XX/XXXX, I observed that all 12 accounts still have errors. The combined number of months of non-reported data, in between reported months of activity, exceeds 250 plus months. This directly affects, negatively, my credit report as the percentage of account months paid on time are inaccurate. 

These loans are all paid off by way of consolidation. In addition to lacking accurate and complete monthly reporting data, which is mandated by the FCRA, the account numbers are incomplete, the status is inaccurate and the age of some accounts exceed the reporting period. 

The FCRA allows for a penalty of up to {$1000.00} per incident for failing to properly and accurately report on a credit report. I have been unable to obtain financing, lower insurance costs and a litany of other penalties as a result of Fed Loans illegal and incompetent actions. 

I filed a complaint with the XXXX, but was advised that due to the type of creditor Fed Loans is, I was to file my complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Fraudulent practice by Suntrust bank ( aka Truist bank ) using false numbers for the LIBOR index inflating the ARM interest rate adjustment We would appreciate your immediate help on this serious matter. 
We have recently discovered that the Suntrust bank ( aka Truist bank ) has been fraudulently using inflated variable interest rates on our mortgage loan resulting from using wrong number as the 6 month LIBOR index. Our mortgage loan is tied to the widely published 6 month LIBOR rate and expected to get adjusted every 6 months. 

Here are two examples such misdeeds ( ref Loan # XXXX ) : Suntrust ( Truist ) used : 1. A wrong XXXX number instead of the correct XXXX published on XX/XX/XXXX ( effective for XX/XX/XXXX index ) resulting a fraudulently inflated 3.5 % current interest rate as opposed to the correct 3 % 2. Again a wrong 2. XXXX number instead of the correct XXXX published on XX/XX/XXXX ( effective for XX/XX/XXXX index ) resulting a fraudulently inflated 4 % total interest as opposed to the correct 3.75 % I have filed several complains with detailed analysis and specific LIBOR index citations to Suntrust and the CEO, XXXX XXXX only to receive a rather generic response from a lower level employee defending their inflated rates without any direct citation for their fraudulent index number. If requested, I could send you my submitted analysis and citations. 
As a further confirmation of my LIBOR index numbers, a different bank for my another existing mortgage with almost identical terms, used the same LIBOR index as mine for the same dates. 

This is a serious fraud by Suntrust against the normally unsuspecting customers like me. This may have been going for a long time. I have not yet had a chance to inspect all periodic interest rate changes over the last 12 years or so. Other unsuspecting customers might have been affected by similar type of fraudulent practices by Suntrust. 

I would appreciate your swift remedial action to compel Suntrust to immediately rectify their misdeeds along with full recovery of our lost money with interests and appropriate punitive compensations. This has caused us significant amount of time in researching, analyzing and re-computing not to mention the mental and emotional grievances and stress we are enduring in our family. It goes without saying that they need to be held accountable for deceiving unsuspecting customers related to such common agreements. 

Sincerely, 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 monetary relief
Consumer complaint received 2020-06-29
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: Was not notified of investigation status or results

Complaint:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

Company response to consumer: Closed with explanation