BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2021 I sent a letter to the credit bureau as recommended disputing items on my credit report that were inaccurate and did not look familiar. I explained in the letter the items that should be investigated. To date, I still not have received a response from the credit bureau. Based on the law it says that the bureau should have completed their investigation or responded to me within 30 days and notify me of the results. Its been 30 days and I recently checked my credit report again and it is still showing the same items I disputed. Prior to submitting this complaint I also wrote a letter demanding them to respond because it is has been 30 days and I should have received some type of response by now. At this point, I do not know what else to do because my disputes have been ignored and no investigation has taken place.

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 2019-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made 6 transfers this month and last month and after depositing money into my account suddenly I received an email saying I made 7 transfers when there was no money in either of my accounts. I made a withdrawal and they tried to count the transaction itself as a transfer. They did this to steal XXXX and the. Made up a false 7the transaction for last month and I was never noticed which means is is fraudulent activity from inside the bank.they keep trying to collect miscellaneous fees and steal from my account. My bank is the Bank of America on XXXX and XXXX in XXXX XXXX FL XXXX. They keep trying to take advantage of my account because I receive VA payments.

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 2021-04-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity and someone used my personal information without my consent to apply for credit at the following companies. The following inquiries need to deleted and removed from my Equifax credit report immediately or legal actions will be taken against your company : 1. XXXX XXXX XXXX XX/XX/2021 2. XXXX XXXX XXXX XXXX XX/XX/2021 3. XXXX XXXX XX/XX/2021 4. XXXX XXXX XXXX XX/XX/2021 5. XXXX XXXX XXXX XXXX XX/XX/2021 6. XXXX XX/XX/2021 7. XXXX GDM XX/XX/2021 I have attached a copy of my police report stating to remove these fraudulent inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dynamic Recovery Solutions, XXXX XXXX XXXX, XXXX, SC XXXX has attempted to collect a credit card from 10 years past in the amount of {$1300.00}. The credit card debt was paid in full to the creditor. The creditor agreed to accept a " reduction '' in a debt in the amount of {$1300.00}. It appears XXXX XXXX has access to this information and is attempting to collect something not owed to them. Dynamic has suggested to " settle '' the {$1300.00} for {$270.00}. Company keeps calling and sending letters to collect a debt not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
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: Account status incorrect

Complaint:
I received a notice that my credit score dropped 147 points. XXXX and Transunion are reporting accounts incorrectly. I have sent a letter along with a police report to both and they are still showing wrong information. 
XXXX  is showing incorrect balance on my chase act ending in XXXX. 
XXXX is showing XXXX XXXX which is not my act and is being investigated as fraud and should have been closed. 

Transunion is showing XXXX XXXX closed with balance of {$4400.00} and this act is also not mine and being investigated as fraud. The act was closed in XXXX of 2018 and XXXX XXXX informed me that NO payments should be made on the act.

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 2019-05-28
Company: Telerecovery Corporation
State: LA
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:
Upon pulling my credit reports I found that Telerecovery had placed an account in the amount of {$3300.00} on my credit reports. I then disputed this information with the credit bureaus as I believed the information was inaccurate and was not a valid account. Despite several attempts to validate the account the company has not produced any validation. The company closed the account on XXXX leaving it as a collection account and left the account as an active collection on my XXXX and XXXX credit reports. The company is reporting inaccurate information which is hindering my progression for better credit health. I would like this account to be removed immediately from all three major credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX advertised a promotion consisting of 0 % interest for 4 years on furniture purchases totaling {$1900.00} or more if you apply and qualify for their store credit card through Synchrony Bank. On XX/XX/XXXX I applied and qualified for the 0 % interest for 4 years promotion and obtained the XXXX XXXX XXXX store credit card through Synchrony Bank. Since I qualified for the 0 % interest for 4 years, on XX/XX/XXXX I purchased furniture totaling {$3700.00}. Then, on XX/XX/XXXX I noticed that I had been charged a total of {$1100.00} in interest payments for the past 10 months starting on XX/XX/XXXX on this purchase for which I had qualified and given 0 % interest for 4 years. This false advertising and fraud consisting of a " bait and switch '' where 0 % interest for 4 years was advertised but then I was charged an interest rate of 29.99 % immediately beginning with my XXXX payment on XX/XX/XXXX needs to be corrected. I am asking that Synchrony Bank correct this fraud by issuing me a refund in the amount of {$1100.00} which is the amount that it charged me as interest on a loan that was 0 % interest for 4 years. Synchrony Bank 's financing options can be found at XXXX and payments are made at www.mysynchrony.com

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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 a loan with CAPITAL ONE and XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE and XXXX with no successful resolution. XXXX  and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Mr. Cooper Group Inc.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I changed homeowners insurance and received an escrow refund from old insurance company. I have tried calling the mortgage company - Mr Cooper - ( seriously, they are really named Mr Cooper ) at  least a dozen times in the past two weeks, trying to find out how to properly return the money. Just get the automated answer telling me that We are experiencing an unusually heavy call volume, blah, blah. 

Now Mr. Cooper has sent a letter telling me that my insurance has been cancelled and they are fixing to buy their own insurance. I have the new insurance company already working on that. 

Surely a federally regulated financial institution has to answer the XXXX phone. You know what is wrong here?? No one on XX/XX/2008 went to XXXX. 

Can you get them to answer the phone?? 

Thnx XXXX XXXX XXXX Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: ERC
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2021, Enhanced Recovery Co add a derogatory mark on my credit report per credit karma Upon, further research this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA Enhanced Recovery CO has violated my rights as a consumer and Im requesting legal action to remove this amount immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Our loan has been paid off to Specialized Loan Servicing, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, CO-XXXX Tel : XXXX and my loan account number : XXXX. The principal was paid of on XX/XX/2018 and escrow amount as per statement is {$1800.00} and but they mailed the check of {$1100.00} thereby shorting to the amount of {$730.00}

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 2019-05-29
Company: U.S. BANCORP
State: WA
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 a Mastercard which is associated with the company XXXX ( XXXX XXXX XXXX ). ( The credit card is issued by US Bank. ) Their special offer is that whenever I make a purchase from XXXX I will receive a 10 % rebate on a purchase from XXXX the next year or if the use of the card is made from an entity other than XXXX the rebate will be 1 %. On XX/XX/XXXX I placed an order with XXXX. On XX/XX/XXXX I received a letter from Mastercard telling me if I did not use the card by XX/XX/XXXX the card would be cancelled. I called XXXX on XX/XX/XXXX as I had not yet received my order and the timing of the letter from Mastercard seemed oddly coincidental. XXXX reported that Mastercard had denied the charges so my order had been cancelled. I then called Mastercard. The customer service rep apologized for my " disappointment '' and denied that the charges were denied or that a letter was sent to me. He said that my card would be cancelled if I did not use it by XX/XX/XXXX however even though the expiration date on my card is XX/XX/XXXX. I have a perfect credit score and have never had any credit problems. I have no balance on the card. I believe Mastercard is treating me this way because I do not use their card very often so they are punishing me because they are not profiting off of me even though I have not done anything wrong. Thank you.

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 2019-05-29
Company: CITIBANK, N.A.
State: CA
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:
I had some work being done on a condo we own. There was a contact where I gave them a payment at the time I signed the contract of {$1000.00} in XXXX of XXXX on my Citi-XXXX Visa Card. This is where the Merchant got my account number. 

At the time work was to start the Merchant was entitled to a progress payment of {$4100.00} which I made on XX/XX/XXXX. I used a different credit card with XXXX XXXX. 

XX/XX/XXXX was the last time the merchant was at the property. They did not return and the job was not quite 1/2 way. 

There was a condition in the contract that the Merchant would need a payment to continue after the rough plumbing inspection from the city was done. 

This had not be done. At this point they were not owed for work completed On XX/XX/XXXX the merchant charged my Citi-XXXX credit card without my authorization or approval. There were no terms in the contract or any agreement that allowed them to charge my card at will. 

I reported this to the local police and they referred me to my credit company but did write a incident report. 

The Citi Visa first responded with the fraud and reversed the charge.

They later backed off the {$4100.00} charge stating the merchant said it was an " installment sale ''. 

This was not an installment sale. If the merchant continued they would have been due money. The fact here is they were not given my authorization to use this card for further charges. 

The inspection that was supposed to happen before the payment for the merchant to continue was Disapproved meaning the merchant did not get the approval necessary to continue. 

At this point, Citi Visa is telling me that they are not going to reverse the charge this merchant made on my account without asking me. 

There was over 6 months from the time I used this card with this merchant and should not have been able to use this account without getting a new authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: SUNRISE CREDIT SERVICES, 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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company SUNRISECRED account number XXXX. Per FDCPA I am aware that a chargeoff or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-04-07
Company: Financial Business and Consumer Solutions.
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: Problem with personal statement of dispute

Complaint:
I paid a collection account off with XXXX XXXX credit card. Through their collection agency fbcs I was offered a settlement of {$1000.00} I paid it on XXXX through my bank. After I paid it ; I waited about a week or so. I then called fbcs regarding deleting XXXX from my credit report. I was told by a customer service rep they don't delete accounts from credit reports. They don't report to any of the 3 credit bureau, so I contacted XXXX. I was told that XXXX can't remain on my credit report if my account was sold to a collection agency. They can't do both it either or. I then contacted my bank to have the charges reversed since they wasn't going to delete the account from my credit report. I'm trying to do the right thing by paying something toward my bad debt account. I thought if the account was put in collection/ write off as bad debt they couldn't still report the account with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX store card keeps showing me as having a balance is saying i owe when the cad is paid in full and close. Please remove this erroneous information from my account.

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 2019-06-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Shows on my credit report as an account that was allegedly mine. 
Reported as a charged off account with a balance of {$700.00} and a credit usage of {$660.00}. 
If tried to dispute the account because I have never owned this account or any first premier products or services. I keep being reported negatively. I don't know what else to do as a consumer since this is the only thing that i negatively reflecting on my credit, i tried disputing it i don't have an account number, don't own a first premiere card. Basically the company wants me to assume responsibility for an account/bill i have not seen in the mail or encountered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: EQUIFAX, 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 information incorrect

Complaint:
I have 3 unverified accounts showing on my credit report with equifax. I have sent them 2 sets of letters requesting the unverified and erroneous items be removed. Every time I get the generic reply verified. I have not been shown any information that has been requested such as contract, agreement, etc with my signature showing I authorized any of these items. Not to mention not correctly verifying these items I they have re-aged these items to appear that they were just reported. The first account is for XXXX XXXX XXXX, the second account is XXXX XXXX, and the third is for XXXX. Again these three accounts are unverified, incorrect, false, erroneous and now have been re-aged by equifax. This is not the only concern I have. There is also a concern of me being a victim of identity theft in which I filed the proper reports with the correct authorities including identity theft.org. I have also sent numerous letters to equifax requesting these inquiries not made by me to be removed and all I get is the same verified. I went a step further and contacted the corresponding companies in which these inquiries pertain and they have not provided any document with my signature showing where I authorized these. All I want is the unverified, inaccuracies removed from my report. I would also like to add I have even pointed out to equifax that how these items are only being shown on my credit report by their company and not any of the others. XXXX and XXXX have removed these because they were found to be unverified. Please explain to me how equifax can verify these when no one else can. Not to mention I was a victim of the 2017 equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Cash not dispensed from ATM but amount debited from bank account On the morning of XX/XX/2018 around XXXX am I went to a Chase Bank ATM machine to make a withdrawal. I inserted my debit card into the ATM slot, punched my XXXX digit PIN, the ATM make a fluttering sound but no money came out of it. A few minutes later I checked my bank account and saw the ATM transaction for {$600.00} debited from my bank account. I filed a claim with the bank, and Chase refunded the {$600.00} to my account the same business day. Later on in the day, I decided to go into the bank to make a cash withdrawal with a bank teller for {$610.00}. On XX/XX/2018, Chase bank withdrew {$600.00} from my bank account and reversed my claim by denying it. The claim department told me that they checked the data and found no proof of error or malfunctioning with the ATM machine. Chase bank claim department also stated that per their records, the transaction was successful. I asked the claims department if they viewed the ATM surveillance cameras and they told me no.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-04
Company: Santander Consumer USA 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:
This doesn't belong to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation