BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Credit report is locked. I never put a lock on my credit report and I want it taken off. It is stopping me from pursuing a need I want to take care of and dealership and bank ca n't access my credit report cause of this block that transunion has on me. Please remove now

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 2018-03-28
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt is owed to XXXX. XXXX did not give us enough time to resolve the debt with them before sending it to a law firm. I am attaching what the law firm sent us due to it not looking like it is filled out correctly. 

Since I have already filled out the form. I would like to ask about other debt and who I can speak with. I also owed a credit card company approximately XXXX dollars. They took me to court and did I had no idea what I should do. Of course I did nothing and now that XXXX debt is a XXXX lien against my house. How can unsecured credit card debt get a lien against your house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Beginning in XX/XX/XXXX our payments have been showing delinquent even though our account is set on auto-pay through the bank. In XX/XX/XXXX we asked for a payment arrangement on our account due to having to have work done on our car. We were never told by Credit Acceptance Corporation that our account would be reported as past due because we requested a payment arrangement. When we pulled our credit report, it should that our payments are reporting past due every month from XX/XX/XXXX until this very day. We also notice that in XX/XX/XXXX when a payment arrangement was placed on the account it showed that we missed a payment. We were never told that payment arrangements would show our account as delinquent. We pay extra every month on our car note even before the payment arrangement was requested. Our payments are {$350.00} per month and we pay {$440.00} per month since XX/XX/XXXX. This is a joint account and it appears this way on both of our credit reports. This is preventing us from trading our car in or purchasing a new car.

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 2017-09-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The morning ofXX/XX/XXXXwe were notified of low funds in our account. We logged into our Chase Bank app to find that three separate ATM withdrawals had occurred the day before in XXXX XXXX ( all three were still listed as pending ). The first took place at onXX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX for {$XXXX}, the next onXX/XX/XXXX at XXXX XXXX XXXX for {$XXXX}, and a third also onXX/XX/XXXX at XXXX XXXX XXXX for {$XXXX}. We notified Chase on their fraud phone number as soon as we saw the withdrawals. They said that they would reverse the transactions while they investigate. 

OnXX/XX/XXXX, we received a notice from Chase saying that they were denying our credit and were going to take out the total {$XXXX}. When asked what the reason behind this was, XXXX on XX/XX/XXXX said that it was because after the transactions took place our account was logged into multiple times, and it was a chip to chip transaction. We did not take the money out, nor were we in the city of XXXX XXXX on either of those days. 

We are currently in the process of filing a police report to obtain the videos at both ATM machines, but we are unsure how long this will take. 

Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: AL
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:
fraudulent inquiries due to identity theft from the Equifax data breach. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
We moved out of our apartment on XX/XX/2017 and were protected from shutoff due to an ill family member who is XXXX and her XXXX needed to be refrigerated and we were experiencing financial difficulties. We provided our doctor 's certification and were protected from shutoff off since we moved in. At the time of move out our balance was {$1200.00}. We spoke to XXXX XXXX and they informed us that if we began to make payments of {$100.00} or more, we would not be sent to collections. We began to pay more than {$100.00} or more every month after move out. However, I noticed on my credit report that XXXX XXXX although receiving monthly payments directly from me, sent our account to collections and reported it the account as write off damaging my perfect credit affecting my chances of obtaining a home. We have never dealt with any collection agency and have been making payments before this account was written off.

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 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX. A mortgage company checked my Transunion Credit report. 
Unbeknownst to me, there was an account added to collections, from a XXXX XXXX    XXXX XXXX for the amount of {$420.00}. 

I was very confused as I have NEVER done business with said company. Also the fact that Transunion blindly added this information to my report. 
I never once received any information in writing or phone call, in regards to knowing this debt ; that I might dispute within the 30 days that is legally required. 

I mailed out a certified letter to the collection company that is claiming I owe the debt, by the name of XXXX XXXX XXXX ; requesting VALIDATION NOT Verification, of the debt. 
They DID NOT respond. 
This DEBT IS FRAUDULENT and therefore should be removed from my TRANSUNION 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 2017-09-14
Company: EQUIFAX, INC.
State: AL
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:
Equifax are allowing companies to place inquiries against without first contacting me to see if the inquiry is valid as per my 7 yr credit file freeze. I have sent a police report to Equifax previously which they have on file for Identity theft and they are continuing to allow these things to happen. With their recent Breach I do n't feel this company is taking all measures to protect consumers. The following unauthorized inquiries are ; XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. Furthermore recent disputes with the one collection I have with XXXX XXXX XXXX is being ignored. I have numerous times state that I do not have a Contract to pay this company and the account is still affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: PR
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 asked the credit bureaus to update my name in my credit report and still, the incorrect names still show XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Onewest Bank was notified on or about XX/XX/XXXX about a incident of check fraud, where a check I had issued in the amount of {$1900.00} was cashed by someone other than the intended recipient. 

This check was cashed on or about XX/XX/XXXX. The date on the check has been forged and there is no endorsement on the back of the check. 

Onewest Bank refuses to tell me any information about where or whose account this check was deposited into. 

An affidavit has been signed affirming these facts on XX/XX/XXXX. 

When calling Onewest Bank, the expected time for resolution of the claim has been changed from 30 days, to 45 days, to now 90 days. 

I have attempted to resolve this matter in person at a branch on XX/XX/XXXX and XX/XX/XXXX, as well as by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I have been given no explanation or answers about when my stolen funds will be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: XOOM CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I initiated money transfer through xoom.com which was supposed to be instant, after 6 hours I realized the money was not yet paid. I called xoom.com customer service and was told the transaction was delayed due to technical difficulties. I called back after 24 hours, the customer service agent told me she was going to check and get back to me immediately, she did not call back. I called back after an hour and requested to cancel the transaction, then, the customer service agent told me that transaction could not be completed by the recipient bank. This I do not believe because when I spoke to the customer service manager he said the money was with ACH. 
I requested for an instant refund, but I was told the money will be refunded to me in about 6 days from the day of the phone conversation. 
It is very unfair that money was taken out of my account, the transfer was not done, it took many calls for xoom.com to confirm that the transaction was not completed, and it will take almost 8 days from the day I initiated the transaction for me to get my money back. 
Companies that claim to offer instant international money transfer service should have the responsibility of informing customers within few minutes if they can not complete the transaction because it is not a free service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
Company: Genesis FS Card Services, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXXXXXX XXXX is reporting late payments while in active XXXX XXXX bankruptcy. The bank received notification by mail XX/XX/23. 

The bank is violating my automatic stay federal rights and also improper use of credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I have sent the credit bureaus ( XXXX, XXXX & Equifax ) a letter to remove inaccurate/fraudulent information from my credit report, and according to 15 U.S.C. Sec. 1681i ( a ), they were suppose to complete this investigation within 30 days of receipt of that letter. 
Today is XX/XX/2021 and I have yet to hear their from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had a customer on Paypal and he paid me on Paypal then I shipped him his item. 
After that he opened a " not as described '' dispute on XX/XX/2020 Case ID XXXX and {$5400.00}. 
after a long story we ( buyer and me ) came to an agreement. 

Buyer called his financial institution ( XXXX  XXXX ) and closed the case my favor ( seller favor ), So in order to make sure that he is telling the truth I called to XXXX  XXXX myself and they told me the case has been closed in my favor and Paypal has been notified since XX/XX/XXXX. today is XX/XX/2020 I contacted paypal so many times and they say they have not gotten any update. 

I'm sure paypal isn't honest with me and it's keeping my money illegally

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-31
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:
As of XXXX 2018, I called Equifax to obtain a copy of my credit report. I noticed that their was incorrect information on my report a chapter XXXX and a chapter XXXX. I have written 3 letters in XXXX, XXXX, and XX/XX/2018 to Equifax asking how was any information verified. I have submitted letters from the federal court stating that they do not verify anything through third party companies yet on my Equifax credit report it states XXXX XXXX as the company. Equifax has not complied with my request to verify how and when was any information obtained and verified by them for me. This is a violation of my rights as a consumer. I am asking that the company send me a method of validation as to any of my information is obtained or they will have to delete the negative unverified remarks on my credit file. 
I noticed that I would get the automated response as I would sent in more items to prove I was me. On XX/XX/2018 I was told by an Equifax rep that my credit file was mixed and that was the issue. As it was separated I noticed that I had two derogatory marks on my credit report. The chap.XXXX & XXXX has remained despite all the letters I have sent and a letter from federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I apply for a credit card with Chase, I get approved and then they close the account right away then send me a letter saying that I have a previous bad relationship with them. I have no such bad relationship with them. They've closed my accounts in the past ruining my credit. They invite me to apply, once I apply they approve then they cancel my cards. I have no idea why they say I have a previous bad relationship. I've always paid my bills on time, never overdrawn my checking accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27
Company: AES/PHEAA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Hello, I have been having consistent issues with my lender, regarding getting my student loan forgiveness process started. A about 4 years ago I was contacted by a counselor from XXXX-XXXX. She contacted me on behalf of the Federal Student Loan program. She stated that she had someone on the line that was wanting to speak to me about starting payments on my loans, and helping me enroll in the forgiveness program. After speaking with the man on the phone, he stated that if I made consecutive payments of about {$200.00}, for about 8 months, I would be setup with the student loan forgiveness program ( I have bank statements showing the withdrawal of these funds ). Fast forward to now and I am still getting calls and letters stating that the interest on my loans are still increasing, and now requesting payment. I contacted the loan department of education, and explained all of this to a young lady on the phone ( I also recorded this conversation if it is needed ). She advised me that there are 3rd parties that will charge you for this free service. I questioned her further and advised her that I was contacted by my counselor, and she called me and connected me to someone working for the Department of Education. She advised me that she would email everything that I needed to start the forbearance process. I sent all of the requested info. in, including my most recent pay stub. The process was only approved for a month, and then I received a letter stating that the information I supplied was not enough to determine my monthly gross pay. Again, I supplied all the information that she requested. This has been highly frustrating considering that I already paid money month after month, that I didn't have, to start a process that still hasn't started. This whole thing seems like a scam. I have also contacted a firm that is already working cases like this, and have been advised that my loans qualify for forgiveness. Any assistance you can offer would be greatly appreciated. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My XXXX credit card bill is due on the XXXX every month. On XX/XX/2018 I made a payment of {$50.00} over the phone with a lady named XXXX. I confirmed with her that the amount I paid was correct. She said yes that is correct. The following month on XX/XX/2018I went to shop at XXXX XXXX, and I was told by a worker in XXXX name XXXX at the XXXX location in XXXX CA who told me that my bill was not paid. I told her that I did make the payment and he told me I would have to call customer service. So then I called the XXXX customer service over the phone and I explained the situation to them. I spoke to a gentleman named XXXX. I explained to him that my XXXX bill was not late because I had already made a payment of {$50.00} on XX/XX/2018. He said he would look into it, so he did some research and came to the conclusion that I was short an extra {$5.00} on the bill. He said he would wavie the late fee as well as other charges that I had on my account because it was not my fault that I was not told the entire amount for my biil that day on XX/XX/2018. He did that so that my account would be back current and I won't have a negative impact on my credit report. I have just received my credit report today and I have a 30 days late negative impact on my credit report that needs to be removed asap.

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 2017-09-14
Company: Pinnacle Credit Services, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have repeatedly asked this company to verify a debt they say I owe. I have even offered them a settlement amount to take it off of my credit reports because this alleged debt is harming my credit. I have also checked on the FTC website and they are actually on the banned from collecting list. All they did was send old XXXX bills, but never verified any business I have with them. I do n't have no contract with Pinnacle. I asked them to show me something bearing my signature proving I owe Pinnacle anything. I have not received anything in writing from them at all! They ignored all my letters because I do n't want to do anything over the phone. I like to have a paper trail for everything I do.They sent your company a letter some months ago under a company known as XXXX back in XXXX. But I never received anything myself. I have sent them multiple letters and they fail to respond! When I went to file a complaint with FTC they said to try with CFPB first. I will take legal action if this is n't removed my credit reports. The link to the court judgement is below. I am trying to repair my credit and they are damaging it. Thank you for your time in this matter. I would love to get this resolved without taking legal action but they have left me no choice. 
https : //www.ftc.govXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: PA
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 sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Main Street Personal Finance
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a payday loan onXX/XX/XXXX for {$300.00} to be paid on XX/XX/XXXX Check was need sent to my bank. I called the company to take the check to my bank. Check as never been sent to my bank. The company than my account to collection, which than they my account to third collection company. I paid them XXXX to them on XX/XX/XXXX. 
The payment has never been give to the payday loan company. They have owing this money. Third party collection company will not return my calls. I have my Mastercard to verify all of my payment. No one can tell me after two year no money has been to my account.

Company response to consumer: Closed with explanation