BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've tried to open a credit card to build my credit score. Unfortunately, I made a mistake in my personal information, which may be why my requests have been declined. 

On the XXXX of XXXX, I completed and submitted the XXXX form for XXXX XXXX  Change of Address Card. However, when I was opening a XXXX  checking account, they told me to use the old address as a proof address, since then I have been using my old address as per their instruction when I was applying for a credit card, and I think this confusion has to be a reason why my applications for a credit card were declined ( except XXXX credit card, it was approved ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX application for business credit card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Chase Sapphire issued a card that I did not apply for and then there was a {$95.00} charge on the card. I have called Chase Sapphire and they have started a fraud report. I have also reported this to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11
Company: ORG GC GP Buyer, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called GC Services on XX/XX/2019 at XXXX hrs and spoke with XXXX. I attempted to make a settlement with payments for {$4000.00}. XXXX explained that I could not do that and he needed full payment immediately. I explained that I could not afford to pay the amount in full but I could make payments of {$100.00} per month and make settlement arrangements in XXXX when I received my military sign on bonus. He said he could not accept this arrangement. I asked for the payment address so I could begin mailing in payments. He said that I could not mail in the payments. I asked again and he said that he could give me the address but they would only accept payment in full. I asked again for the payment address and he refused to give me the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For well over a month I have received several calls daily from Nissan Infiniti Financial. 

Every day I have to delete their messages from my voicemail. I have never bought any car with any financing. I have a XXXX  XXXX which I bought 6 years ago used for cash. 
It is the frequency of the calls and the multiple times. I have on many occasions informed them I have no idea why they would be calling me. No one in my family has a Nissan or Infinity besides the XXXX  I own. They insist this is the number they have but do not have my name. I have had this same number for at least 10 years and it is only now that they have started this harassment. 

I am XXXX have XXXX XXXX XXXX and am on a XXXX XXXX. I can not take this any longer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I sent my dispute letters to XXXX, Transunion, and XXXX showing proof and law from the FCRA, but they will not delete the inaccuracies of my credit files. Inaccuracies from XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, Department of Education , XXXX XXXX XXXX, XXXX XXXX, and XXXX. What more do the credit reporting agencies want?

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 2018-05-23
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX someone had fraudulently used my American Express CC and charged {$12000.00} in American Express points. I had contacted AE on XX/XX/XXXX and talked with XXXX who had stated the {$12000.00} charge would be credited and the problem would be resolved. On my XX/XX/XXXX statement the {$12000.00} charge was still on my account along with interest charges and fees. On XX/XX/XXXX I talked with XXXX at AE and she said AE would credit my {$12000.00} charge along with interest charges and fees. She stated it would take 30 days. On my XX/XX/XXXX statement the {$12000.00} charge was credited but there were interest and and fees still on the account - American Express never credited the interest and fees from the {$12000.00}. I assumed AE would credit the interest and fees. In XX/XX/XXXX I contacted AE and XXXX stated the interest charges and fees would be credited back and that my statement balance would be XXXX. She stated it would take 24-48 hours to be corrected and I would get an email showing the credits. When nothing happened in 7 days, I called AE again and talked to XXXX who stated the interest and fees would be credited and it would take 7-10 business days. In the meantime I am applying for a conventional mortgage with my husband to purchase a house. I received a call from our bank that American Express has reported me to the credit bureau and that I have bad credit. This has had an influence on my husband and I purchasing a house! I called American Express again and talked to someone who said it was the Fraud departments 's problem to fix, the Fraud department stated it was the Rewards problem to fix. I asked to speak with a supervisor - actually for the last 6 months - and finally someone gave my " case '' to a " Team Leader '' at American Express. The Team Lead called me back and said all of the interest and fees have been reversed and credited and that a letter was sent to the Credit Bureau stating that but that it would take 30 days. I don't have 30 days - for getting my loan I need this resolved ASAP. My latest statement XX/XX/XXXX states I owe {$250.00}. I also received a letter from American Express that they are closing my account. I need a letter for my bank stating the charges were in error and have been reversed - it was not my fault - and that I have good credit!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
TransUnion on my XX/XX/2021 has balance of {$69.00} dollars and there is no balance owed to 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 2018-04-19
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX is a company I never signed a contract with. They are trying to collect a debt that I never had with them. The company charge off a debt and it has ruin my credit and I don't know who they are. Can you please help me because this is stopping my process in buying a house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
My credit file included derogatory remarks without an substantial data to back up the remarks.

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 2017-12-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I believe my XXXX XXXX XXXX XXXX XXXX ( XXXX ) Charter One Bank private student loan is part of the lawsuit against XXXX  for fraudulent collections. I also believe there is supposed to be an audit occurring on those false judgments per the order of the Consumer Financial Protection Bureau lawsuit against XXXX XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, I took out a {$15000.00} private student loan through XXXX XXXX XXXX XXXX XXXX, the lender was Charter One bank. In XX/XX/XXXX, I have documentation showing I took out another {$15000.00} private student loan. I do not know if it was through XXXX, but the lender was Citizens bank. I had been making payments on the XXXX Charter One student loan until I became unemployed in XX/XX/XXXX. I believe these payments were made to XXXX XXXX XXXX ( XXXX ) at that time. In early XX/XX/XXXX, I started receiving legal documents as attempt to collect debt for the XXXX XXXX XXXX loan. It resulted in a judgment placed against me by XXXX. The XXXX XXXX lawsuit matches the information in the complaint and judgment I received. I have been making payments for the XXXX Charter One loan to a collections law firm, XXXX and XXXX, XXXX since XX/XX/XXXX. XXXX and XXXX have made several different payment arrangements with me as I attempt to manage my XXXX Bank private student loan and government student loans. I currently make monthly payments directly to XXXX and XXXX ( through automatic withdrawal from my checking account ). XXXX and XXXX have stated they will review my income annually and adjust my payment plan accordingly. 

I have no recollection of making any payments toward or receiving collection notices on my Citizens Bank private student loan until XX/XX/XXXX and am curious why it took them so long to attempt to collect from me. 

A friend recently advised me to stop paying XXXX and XXXX and file a complaint with the Consumer Financial Protection Bureau to determine if XXXX and XXXX is supposed to be collecting payments on behalf of XXXX and the Charter One loan. My friend informed me that XXXX is not a collection bureau or a lender, and therefore, placed a judgment against me illegally. 

I would like to know/understand what is going on with XXXX and who I am supposed to be making my Charter One private student loan payments to and if I can get my money back if my payments have been handled improperly. I would also like to know if my Citizens Bank private student loan is associated with XXXX. Id like to try to refinance my private student loans, but it seems undetermined if my XXXX/Charter One judgment is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On numerous occasions in the last two years I have worked with Equifax to gain access to my credit report. I have called them, certified mailed documents that include ( s ) my social security card and drivers license. However, I still have not gained access to my report and neither can borrowers. Today I spoke with Equifax, again, and they are telling me they have not received the documents I have mailed twice before and that I need to send them again. This is affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my credit these two accounts appear that are not mine and I do not recognize them. I have made multiple efforts with credit agencies. 

USAA SVG BK ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: PA
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 have a credit fraud alert on my account. Credit is still being ran and inquiries are being made om my report without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
They reported late payments and didn't follow law accordingly 15 usc 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
( Credit Bureau Systems ) at ( po box XXXX XXXX, KY XXXX ) has been sending me collection notices in the amount of ( {$170.00} ) the collection opened XX/XX/2017 has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Money was constantly taken out of account to pay for bills not owed, causing overdrafts constantly.

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 2021-09-20
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have an auto loan through chase auto finance, I couldn't make one payment due to no income, out of work due to covid. I called in and was told I got a differed payment, called again the next month as nothing changed, was transferred to several departments and hung up on 7 times. The payment went passed due. I called the next month several times finally getting in touch with someone, asked for the same difference as the last time. He asked for my situation and said I dont qualify for any " extention '' because my no income situation is " unresolved '' ... no kidding kinda the point. I escalated to a supervisor who reviewed the calls said I never mentioned covid being my reason. Yet I specifically asked for the same extention because nothing has changed... now two payments past due they can help me, but only if I pay at least 1 month of past due and fees. This is extortion through willful ignorance until their policy requires payment to move on .... I requested a copy of all the recorded phone calls and they of course couldn't help me with that. What options do I have im drowning from their malicious practices or utter incompetence?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I need to remove inaccurate addresses and additional names from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had identity theft where my sister XXXX XXXX and her boyfriend exposed my social security online and she also bought a car from XXXX that I disputed ( which was this car ) and had insurance in my name I submitted my info to the IRS and they validated the identity theft. The XXXX account was removed off of my credit report as well. 


Please REMOVE this off of my clue report and send it to me so I can give it to my insurance company. I will submit old license and new license

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of XX/XX/2019 I learned that Merchant Credit Guide filed derogatory information against my credit report regarding a debt that they were attempting to collect. I never received communication about this agency trying to collect a debt. I did not receive a telephone call nor any mailing from this company. If I had properly been notified of Merchant Credit Guide attempting to collect a debt from me, I would have surely contacted them immediately. The original owner of this debt is a pain clinic known as XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX IL. I used my insurance to handle this procedure. They did not tell me my insurance wouldnt cover the procedure. I did not learn of this until two years after the procedure and I received a bill of charges that were grossly over what should have been expected for this type of treatment and I was charged for treatment I did not even receive. I tried multiple times to contact someone in the billing department to resolve any monies that would be owed, I NEVER received any communication from them regarding payment arrangements, in fact the telephone numbers for the office no longer worked and when I went to the office physically it looked as if they were no longer in business. I plan to contact the Attorney General regarding the fraudulent practices of this institute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2022 XXXX switched to Goldman sach Bank and no payments was able to be made which was my due date. I was charged finance charges on XX/XX/XXXX. I logged in and made a large payment on XX/XX/XXXX, which my account said nothing was due. I was charged XXXX on XX/XX/XXXX. The voice recording on their end stated No Finance charges would occur during the transition. I have made multiple calls and Nothing has been resolved. On my following statement for XXXX I was charged {$10.00}. Again I paid my balance and then some. I have spoken again on the finance charges. AS TO DATE NOTHING HAS BEEN RESOLVED AS OF XX/XX/XXXX XXXX

Company response to consumer: Closed with monetary relief