BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion Attn : Complaint Department XXXX XXXX XXXX XXXX, PA XXXX I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing and these inquiries are not associated to any account I have. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX  XXXX ( 2 inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX ( 3 inquries ) XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.

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 2019-09-17
Company: EQUIFAX, INC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying since XX/XX/2019 to have Equifax to un freeze my credit report so it can be checked by loan companies to approve me for a VA XXXX. To this day my credit file remains locked, and I have lost over 20 home deals because my file remains locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Transworld Systems a collection company has been calling my home and cell phone number repeatedly. I do not owe any debts. They are not honoring the written request to prove a debt and to cease communications. 

I have gone through this with another company and despite sending certified letters requesting proof of a debt, cease and desist phone calls and to only communicate in written form, I still received multiple calls each day to my home and cell phone. I used CFPB and the company 's response was they realized I was not the person they were looking for. I will be pursuing this in a court matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: RateGenius Loan Services Inc
State: NY
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/2021 I logged into my XXXX XXXX account to check possible auto loan refinance rates. I was taken through a very general prompt. I was never specifically told that my credit was going to be checked for this request. I was under the impression that my credit will not be checked and I will be displayed rates on a pre-approval basis, more like a soft inquiry. Once I was alerted of an inquiry on my report, I checked my report and found two credit inquiries from Rate Genius. I never followed through with them after my initial request and was not aware that they checked my credit. I called them on XX/XX/2021 to have these inquires removed and they told me they won't remove the inquiries because I should have known credit karma will check my credit. This was completely false, there was no disclaimer on XXXX XXXX. I would like them to remove the two inquires placed on my credit report on XX/XX/2021 and XXXX. I still don't understand why they checked my credit twice. The impact of these inquiries resulted in my long standing credit card lowering my credit limit as well as my credit score dropping 10 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My daughter and I were joint account holders on a Discover credit card. She did become delinquent, and I paid the account off and closed it in XX/XX/2018. They are still reporting to credit agencies that we are carrying a balance and it is delinquent, and state the balance increases each month when it was paid in full over six months ago. I did write them a letter requesting they correct it, well over 30 days ago, but Ive had zero response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Bank Of America XXXX $ interest 4 % XX/XX/2021 My XXXX score according to XXXX is XXXX. However Bank Of America is claiming that they pulled credit from XXXX at XXXX. Approximately XXXX, my interest was XXXX %, which they stated they pulled from XXXX. Which ever the case, Bank of America is reporting conflicting credit bureaus with deflated XXXX scores. They have also committed fraud on my credit card. Unknown balances appear on my 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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26
Company: Big Picture Loans, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
ANNUAL PERCENTAGERATE ThecostofYourcreditas ayearlyrate.

FINANCECHARGE Thedollaramountthe creditwillcostYou.

AmountFinanced Theamountofcreditprovidedto YouoronYourbehalf.

TotalofPayments TheamountYouwillhavepaidafterYouhavemade allpaymentsasscheduled. 
552.9667 % ( e ) {$5500.00} {$750.00} {$6300.00} I initiated contact XX/XX/XXXX. I was told that my monthly payment via phone would be {$160.00}. I was unable to see the Truth in Lending Disclosure, and upon further review realized how much interest they were charging, I made my first payment XX/XX/XXXX, and then 2 weeks later looked at my banking account and they had debited another {$160.00}. When I called to inquire about the ACH debit the customer service representative advised me that I agreed to bi-weekly payments, to which I responded No, I certainly would not have, I cant afford that. I immediately asked for a payoff amount which he quoted me as {$930.00}. I borrowed {$750.00}, to which he replied you acknowledged the APR when you e-signed the loan agreement. I told him that I could not see the truth in lending disclosure when I signed. He promptly ended the call. 

This company needs to be stopped, this is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Nelnet, Inc.
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I currently have a loan with Nelnet. I have the income base payment plan, but the monthly interest is higher than the payment I can made. So my balance is increasing instead of being lower with my monthly payments because I am not paying enough to cover the interest. I write an email to Nelnet to  see if they can apply my payment to the principal, but they respond that my payment go first to interest and last to principal. And that I need to make additional payments in order to lower the principal. I can not pay a bigger amount right now and I feel that I am wasting my money because is not making any difference in my final balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase Card Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX inquiry date : XX/XX/XXXX This 3 companies have put inquiries on my XXXX credit report without my knowledge please have them remove from my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-01
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we received a statement from our mortgage company ( Freedom Mortgage ) informing us that our escrow shortage amount is {$6900.00}, which increases our monthly mortgage payment from {$2000.00} to {$2900.00} starting on XX/XX/XXXX. 

We can not believe that Freedom Mortgage could force us into this situation as this increase is something we can not prepare for with just two months notice. They have failed to manage our escrow account appropriately or accordingly. We are extremely appalled and tremendously shocked by this misstep.

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 2021-10-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was a few months behind on mortgage when Covid hit. After covid I offered the mortgage company full payment for behind payments with Covid payments deferred to end of the loan. They denied my offer even though CFPB indicates they should make an effort to work with Covid impacted residents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
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: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this.

XXXX XXXX XXXX,XXXX XXXX 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 explanation
Consumer complaint received 2019-07-03
Company: FIRST HOME MORTGAGE CORPORATION
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:
On XX/XX/XXXX, I received an alert from XXXX  alerting me my credit was pulled by XXXX XXXX XXXX. I did not recognize this and I called XXXX XXXX XXXX at XXXX ( XXXX ) XXXX. I was told my credit was pulled by XXXX XXXX at First Home Mortgage and I have to contact this company to dispute the inquiry. I do not even recognize the name XXXX XXXX, nor I have authorized an " XXXX '' or First Home to obtain my credit report. I have not even spoken to anyone at First Home. I performed a search on XXXX " XXXX XXXX First Home '' and found his email on the website at https : //firsthome.com/XXXX. I sent an email to him ( attached ) though I have not heard back as of making this complaint. I attempted to dispute this via XXXX but I do not see a way to dispute Hard Inquiries. I did work with XXXX XXXX at First Home back in XX/XX/XXXX when I purchased my home, and my credit report was pulled then, but I have not authorized First Home nor anyone employed by First Home to pull my credit since XX/XX/XXXX. I did reach out to XXXX via E-Mail in XXXX XXXX about refinancing, but I never heard back from him and I proceeded with another lender. I am now in the process of refinancing my home with XXXX XXXX  / XXXX XXXX and I close in a little over two weeks. It may appear to the bank/lender I am actively shopping for credit, which is not the case. This inquiry by First Home is unauthorized and as far as I know, a violation of the CFPB. It could hurt or lower my credit score and potentially impact or raise red flags as I get closer to settlement. This is absolutely frustrating. Please assist as I do not know how else to get this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have had two CitiCard accounts since XX/XX/XXXX (Simplicity, Diamond Preferred) and one since XX/XX/XXXX (ThankYou Rewards).  It was brought to my attention this morning, only after logging in to my accounts, that I have XXXX credit available for purchases and XXXX credit limit listed on the accounts. I was not contacted by CitiCards regarding any changes to my accounts. I have paid CitiCards each and every month since opening these accounts, sometimes twice per month,  and have never been late with a payment. I was advised by CitiCards Client Services to reach out via fax for more information on this discrepancy.  I asked them to please contact me as soon as possible to discuss as this has caused a major disruption, or please provide a contact name and phone number to the person at The Office Of The President so I may reach out to discuss.I haven't received a response and customer service will not speak with me about the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Eastern account systems has continued to old medical bills, that have pass the statues of limitations and it should not appear on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
PAYPAL sent me an email last XX/XX/2021, to paypal acct. XXXX After a review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to use PayPal to send and receive payments or shop online. 
If you have funds in your PayPal balance, well hold the amount for up to 180 days. After that period, well email you with information on HOW TO ACCESS YOUR FUNDS..I immediately email Paypal to ask what is " potential risk '' i made and asking for a proof, because my Paypal acct. are Clean, no issue, no complain and no charge back. But Paypal simple reply me that they can not disclose the reason and wait 180 days to refund my money. 
I patiently wait 180 days, But on 178th day, When I check my Paypal acct. amounting XXXX peso or roughly US {$420.00} .the balance is XXXX. 
I immediately Email paypal, demanding an explanation and the Paypal response due to violation of terms and use. without giving me any proof what i violated. 
In the first place why paypal email me to wait 180 days and they will refund my money. 
I feel i was robbed, and mentally abused. 
I hope your good Office give Justice and Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi bank forged my diseased wife 's name to close my Costco acct in retaliation for me using cfpb to force my city bank credit card closure. Is this a criminal case.

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 2021-04-13
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: Their investigation did not fix an error on your report

Complaint:
I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late.

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 2019-07-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, this is a follow-up to the response that Chase sent to me. I was not available to respond to the response to my previous complaint, so I'm doing it here. In short, the representative from Chase who responded to my last complaint here did not understand the issue or misconstrued it. The misleading marketing information was not from a third-party reporting on their interpretation of Chase 's product offering. This was Chase bank 's marketing material that was captured visually from Chase 's website. It was captured and discussed on a blog and the time-frame of Chase 's advertisement/marketing material is similar enough to when I applied for my Saphirre preferred that this advertisement/marketing material is misleading. 

The snapshot of Chase 's marketing content is attached. 

Thank you for your consideration and time -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent inquires came to be I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent Inquires and Ban accounts came to be. I have not authorized misuse of my personal or any information have never received any benefits of the product, or services. I filed a police report and I filed a complaint with the Federal Trade Commission about this matter.

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 2021-04-13
Company: BARCLAYS BANK DELAWARE
State: IL
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/2021, my husband and I stayed at the XXXX XXXX and XXXX in XXXX XXXX, XXXX for three nights. At check-out on XX/XX/XXXX, we paid cash XXXX XXXX XXXX for our stay. The desk clerk had already charged my credit card without previously informing us. When we realized the error ( at check-out ), we asked for a credit to my credit card which the hotel gave us along with a paper credit receipt with authorization code, etc. The credit did not appear on my credit card and I inquired with my credit card company as to when this credit would appear. They indicated that they had no record of a credit from the XXXX XXXX. I waited the required two weeks, I contacted the vendor ( XXXX XXXX in XXXX XXXX for additional documentation, and I filed an online dispute with my credit card company by uploading my credit documents. Over the past few weeks, I have spoken with several customer service reps at the credit card company -- they assured me that the matter was being handled. On XX/XX/XXXX, I received a letter from my credit card company stating I would not receive a credit because I had not provided any documents, and the case was closed. In my phone conversation with a service rep on XX/XX/XXXX, she stated that this was their error, bu there was nothing she could do.

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