BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-01
Company: BOK FINANCIAL CORP
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased a home and took a job in what looked like an up and coming area of New Mexico in XXXX of XXXX. The job was at a XXXX XXXX, so it seemed pretty bulletproof. Not so, as we discovered when my husband was laid off after only two years on the job. We immediately put our home on the market as we knew we 'd be in trouble and 6 years later it was still on the market We struggled during that time to make the payments as we tried to sell the home and find another job in the area, a town of less than a thousand and 65 miles from a town of any consequence. We ran through all our savings and retirement money keeping up the payments, and my husband was able to find a job although it paid a third less then the job we had taken when we moved there. After my husband began to experience health problems which made him unable to continue working at the job he had found, we threw in the towel and ask the bank if we could do a deed-in-lieu of foreclosure. They agreed to it and said they would begin working on it. We were also made aware that a relocation allowance of {$3000.00} was available, which was a godsend as we had no money to move. We began the process and ceased making payments at that point. The bank dragged this out for literally years, and told us numerous times verbally ( because they NEVER put anything in writing ) that the relocation money was in process, that it had to go to a committee, that they would " be meeting Thursday, and the check will go out the next day ''. Our point of contact was repeatedly changed. When we were finally told we were denied in XXXX and my husband insisted that they give a reason, they said the investors had denied it. When further pressed, they said it was because we were n't occupying the property. We were out of state looking for work, but stayed with a friend of our son, and paid all utilities up to the month of the DIL and had a neighbor making sure everything was fine. Their assertion that we no longer resided in the home would be like saying that retirees who go to Arizona and live in a travel trailer for 6 months out of the year no longer reside in their homes. We literally were living in a travel trailer looking for work. During the last series of conversations with the bank in XXXX, they offered us one half of the relocation money, but later reneged and of course nothing had been put in writing except the denial which stated that we did not live there. Since the relocation money was a federal program one wonders what motivation investors would have to deny two now homeless people in their XXXX the means to move. We had to ask my elderly mother to loan us money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have hard inquires that are reflected on my credit report that I do not recognize. As a result of the numerous unauthorized inquiries, I will be locking my credit report and enabling life lock to protect me moving forward. Please see the following inquires below : XXXX XXXX/XXXX   XX/XX/XXXX - company unresponsive XXXX XXXX/XXXX XX/XX/XXXX - company unresponsive XXXX XXXX XX/XX/XXXX - did not authorize as I am a renter XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX - Inquiry unauthorized - contacted company XXXX/XXXX XXXX   XX/XX/XXXX - did not apply for home loan XXXX XXXX XX/XX/XXXX - did not authorize no account linked to my credit XXXX  XXXX XX/XX/XXXX - did not apply for a home loan XXXX XXXX XXXX   XX/XX/XXXX - Did not authorize, did not apply for an installment loan - company very unresponsive XXXX XXXX XX/XX/XXXX - Did not authorize - contacted XXXX explained it's over the 2 year mark please remove. 
XXXX  - Contact information does not reflect on my credit report to dispute with the company, but have attempted to contact them via the internet. 
XXXX XXXX XX/XX/XXXX - did not authorize have reached out to the company failed attempt will contact once more XXXX XXXX   XX/XX/XXXX - did not authorize XXXX/XXXX XX/XX/XXXX - never heard of the company - did not authorize

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 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Despite three written requests to TransUnion that they are reporting inaccurte information on my credit file, Transunion refuses to do a complete and accurate investigation. My last dispute to TransUnion was sent on XX/XX/2018. TransUnion sent me back the results to their investigation on XX/XX/2018 stating in writing that they verified the accounts are being reported correctly? TransUnion is reporting my XXXX XXXX account as a {$300.00} FHA loan included in a XXXX bankruptcy. This account should be a closed credit card in good standing. TransUnion is also reporting my XXXX XXXX XXXX auto account included in a Chapter XXXX bankruptcy. This account should be closed in good standings. I have never filed bankruptcy.

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 2019-04-08
Company: EQUIFAX, INC.
State: LA
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 involved in a abusive on and off relationship and I walked away for good, from this relationship, years ago. And every time I would leave this person would offer money and credit cards to come back. I didn't accept them and now I find two Authorize user credit cards showing on my credit report, as bad charged off debt. I have never applied for in person, over the phone, online nor have I signed for these accounts or given permission to the these companies to have my personal information.

I never received a credit in my name nor have I ever used a credit card from these two companies. Any debt that was acquired on these accounts have no bearing on me, as I have no knowledge of them and didn't request them or use them. There is no documentation or verbal consent from me binding me to these debt and they should have my personal information, as I never provided it to them! 

The accounts are as follows : XXXX XXXX  XXXX opened XX/XX/XXXX in the amount of {$3500.00} ( authorized user account ) XXXX XXXX XXXX  opened XX/XX/XXXX in the amount of {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had over a million thank you points with Citi bank which they took away upon closing my accounts. I have multiple letters from them they've sent to me stating ; that I have 60 days to redeem. However, they immediately took it away.

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 2018-04-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent {$590.00} via MoneyGram to my wife and wife 's bank account in XXXX. Ref # XXXX  last name XXXX. I was told it would be delivered by XX/XX/XXXX. It has not arrived yet. I called customer service because my online account was closed and money gram rep said they could not disclose why. So now I have to drive back to another MoneyGram place to try to send money to my wifes account again. My debit card only allows {$600.00} withdrawals a day. So I have to make 2 trips on separate days to make the MoneyGram transaction. If I could do this online it would safe me alot of trouble as I could send full amount Now I don't even know if the original {$590.00} will make it to my wife 's account. MoneyGram customer service is extremely rude. They will not let me talk to a supervisor. I am so frustrated right now!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I had a new Car Loan with Chase Bank, my then husband and I were both on the loan. He filed bk we divorced and in order to continue the loan I had to refinance the loan. I refinanced the loan with XXXX XXXX XXXX XXXX. I was the only person dealing with Chase, I had no address for my ex-husband, and Chase sent him the Title. He then took the title and registered the car in his name in the State of AZ. He threatened me if I did not give him the car he would report it as stolen. I went back to Chase Bank asked they why they sent the title to him? They tried to correct it, by requesting a duplicate title, but could not. Now I am stuck with a loan, he has a title that does not have a lien on it. I asked XXXX XXXX XXXX XXXX if I could do a voluntary repo, and then catch the note up and was told can not, because they do not have the title. Chase Bank caused all of this confusion, and this loan should be paid off by them, or they need to locate the car and return it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: EQUIFAX, INC.
State: IL
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:
Equifax and XXXX are reporting incorrectly that I am 30 120 days past due on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) These accounts reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Did not inquire this

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: AMERICAN EXPRESS COMPANY
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
AMEX Removed my {$50000.00} credit limit and put me on Monthly Full Balance payments on XX/XX/XXXX. I have been a Platinum Member for 19 years with an excellent payment history. I Went to my statement to extend my Balance over time to give me some help during Covid Lockdown and learned of this change to my account. AMEX customer support could not tell me why but I subsequently found an email in my junk folder telling me of the change. Due to a change in my credit report. How is this legal? Pull my only access to short term credit ; in the middle of a lockdown ; with a Stellar Payment history ; WITH AMERICAN Express! Happy to pocket the profits for 19 years! Im sure the answer I get is : Sorry ; they are a private Co and could do what they want! Just once ; maybe do the right thing!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
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: Account information incorrect

Complaint:
SOMEONE ORDERED A NEW XXXX XXXX  CREDIT CARD AND TRIED TO SEND It TO ANY OTHER ADDRESS THAT WAS NOT MINE. ONCE THE CARD WAS CANCELLED I WASNT ABLE TO SEE It ON MY ONLINE PROFILE ANYMORE TO MAKE SIMPLE TRANSFER PAYMENTS AND I WSNT NOTIFIED. I HAVE HAD THE CARD OPEN SINCE XX/XX/2016 AND NEVER MISSED A PAYMENT. I HAD TO GO INTO THE XXXX XXXX  BRANCH TO VERIFY MY ID AND THEY ORDERED ANOTHER REPLACEMENT CARD AND CHANGED/VERIFIED MY INFORMATION. I DIDNT HAVE A CARD AND WASNT ABLE TO USE FOR 2 MONTHS. I PULLED MY CREDIT TODAY AND ITS SHOWING UP AS A LATE PAYMENT BUT I HAD ALREADY MADE A PAYMENT AT THE BRANCH OFFICE AND THEY TOLD ME It WOULDNT SHOW UP AS LATE BECAUSE THEY DIDNT HAVE THE RIGHT ADDRESS ON FILE TO SEND THE BILLING AND THE OTHER CARD WAS ISSUED OUT OF FRAUD. ALSO BECAUSE OF ALL THE WRONG INFORMATION AND CONFUSION.

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 2019-04-08
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was insured by XXXX XXXX until XX/XX/XXXX. I paid all premiums, copays, and bills received and was paid in full at the time when I switched insurance carriers. I received a debt collection notice from a third party, XXXX XXXX, dated XX/XX/XXXX, claiming that I owe {$250.00} to XXXX XXXX and that I could settle the debt for {$62.00}. As I did not owe any premiums and had not even used XXXX 's services in months at the time when I concluded my insurance with them, and, as it was not mentioned to me on the phone with XXXX when I closed my account, this appears to be a fraudulent charge. I am wary of providing any further information to this company regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
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: Their investigation did not fix an error on your report

Complaint:
I discovered a collection account from XXXX XXXX in the amount of {$96.00} on my Equifax report and I know nothing about this. I filed a dispute regarding this medical collection account with Equifax in XX/XX/XXXX. Equifax responded in XX/XX/XXXX and said they had verified the account and advised me to contact XXXX XXXX XXXX. I called XXXX in XX/XX/XXXX and spoke with XXXX. XXXX said he could not discuss the account with me because I could not verify the information they have about me. I gave him all the information about me that he asked for. I suggested that maybe they have the wrong person and asked them to withdraw the account from my report. He said they only report accurate information. But could not discuss the account with me because I could not verify the info they have. I sent them a certified letter requesting they either send me a bill or withdraw the collection account from my report. They have not sent me anything and will not talk to me by phone. It would seem this is not my account. I sent Equifax a letter explaining that the collection agency will not respond to me. I provided Equifax proof of delivery and a copy of the letter I sent to XXXX. Equifax responded to me again by telling me they verified the account belongs to me and if I have additional questions I should contact XXXX. As I have previously stated, XXXX will not discuss this account with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I took out a loan from Santander Consumer USA Inc. 
XXXX. XXXX XXXX XXXX XXXX, TX XXXX Early in XXXX for approximately {$32000.00} to purchase a boat. This was a 15 year loan with payments of {$350.00}, the maturity date of this loan is supposed to be XX/XX/XXXX, but as of XX/XX/XXXX, Santander says I still owe {$16000.00}!! in 15 years my principal amount has dropped by almost half after paying in approximately {$64000.00}!!!!! I have read many complaints of this happening to a large amount of people doing business with this company. I have talked with individuals of this company on a few occasions and no one can or will tell me why, I get the run around from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX closed my XXXX XXXX card without my knowledge or my approval. I have had that card for nearly 2 years, have always made payments on time and never carried a balance on it unless using its special promotional financing option.

I went to make an XXXX  purchase and find that the store card was declined. I signed into the account only to find a red bar across the top of the webpage stating the account was closed. I contacted the Customer Service department and all they could tell me was Synchrony decided to close the account due to my credit report. No other explanation or elaboration was given.

Both XXXX   and XXXX scores are over 669, my credit utilization is around 1 %, no derogatory remarks and no hard/soft inquiries. I have contacted XXXX XXXX. about the matter as well. However, since it is still legal for credit vendors to pull credit lines at will, at random and not require notification, I doubt they can do anything about it.

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 2018-04-09
Company: JPMORGAN CHASE & CO.
State: WA
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:
I OPENED MY ACCOUNT ON A MONTH AGO, THEY CLOSED IT ON THE XX/XX/XXXX, TRIED TO NEGOTIATE WITH THEM ON SEVERAL OCCASIONS WITH NO ACTION TAKEN ON THEIR END.! I AM LOOKING TO HAVE MY ACCOUNT REOPENED BECAUSE IT WAS CLOSED WITHOUT WARNING AND WITHOUT CAUSE AND IS NEGATIVELY EFFECTING MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX and Transunion are reporting incorrectly that I am 30 120 days past due on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) These accounts reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2020-05-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Company response to consumer: Closed with explanation