BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As of around XX/XX/2020 l have been trying to contact Opportun and XXXX XXXX has been declining my calls. 
Opportun has been threatening me to sue me and collect from my XXXX Retirement Pension income in which this is a violation of my XXXX XXXX XXXX XXXX XXXX under Department of Justice. 

I have respectfully requested a Amicably resolution and remedy of making timely payments to Opportun each month on the second for {$50.00} until debt of around {$4600.00} is paid. 
Opportun refuses to accept my payments and Opportun Managements rather report derogatory remarks on my credit report with XXXX, XXXX and XXXX and have a collection company harrass me all the time by phone calls. 

I have a Permanent Financial Hardship and my family is going through a difficult financial hardship through loss of employment and the Coronavirus Pandemic issues. 
This is a Discrimination and Retaliation against me as a US XXXX XXXX Military Veteran. 

Either with Respect Opportun Administration accepts the {$50.00} @ month payment or discharged the debt of around {$4600.00} with high interest of 200 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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 am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/, XXXX  Date of Inquiry XX/XX/, XXXX Date of Inquiry XX/XX/, XXXX  Date of Inquiry XX/XX/, XXXX XXXX Date of Inquiry XX/XX/, XXXX  Date of Inquiry XX/XX/, XXXX XXXX Date of Inquiry XX/XX/, XXXX XXXX XXXX Date of Inquiry XX/XX/, XXXX XXXX Date of Inquiry XX/XX/, XXXX  Date of Inquiry XX/XX/XXXX  & XXXX XXXX XXXX Date of Inquiry XX/XX/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: ZIONS BANCORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Dear/Sir we had a big issue with this bank XXXX Amegy bank ) and loan  officer XXXX XXXX XXXX XXXX # XXXX ) As the first time home we completed all requirement. Applying, signing a different agreement also we take first time home buyer education and paid for appraisal. let me make it the story. i was apply XX/XX/2015 then we did everything.after that we are waiting more than 100 days until XXXX XXXX to closing date ) until this day the loan officer told us we're good everything is going to smoothly. Finally at the closing date he just said " we can't closed today '' After 100 days he start the process he was hold the document and killed my time and wasting my time. He just start pull my credit, checking my tax return. They messed up our life because we're expecting moving out on XX/XX/XXXX to the new house. Already i gave notice for our apartment and we packed all staff also we made the big mistake we didn't register for our kids XXXX year school. Without reason they let us down in last minute. We're so badly disappointed.

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 2020-09-04
Company: SYNCHRONY FINANCIAL
State: FL
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:
First and foremost, I am a single parent that has been unemployed due to COVID-19. I had a Lowe 's Advantage Credit Card the promotional balance on loan expired XX/XX/20. I was told that I had until XX/XX/20 to pay balance off to avoid interest charges. I did not receive a statement stating promotional balance about to expire. I received a notice on XX/XX/20 then the next statement was XX/XX/20. I was under the impression that billing was frozen due to me calling for assistance due to COVID-19. I find it to be convenient that I did not receive notice for XXXX or XXXX which would have gave me plenty of time to pay balance. I called to ask for promotional interest to be waived so I could pay balance in full and this issue has not been resolved. My bill was {$3100.00} prior to interest being applied. Now statement balance is {$5800.00}.

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 monetary relief
Consumer complaint received 2020-05-19
Company: Guild Mortgage Company LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX I was referred to a Loan specialist, mainly because of a home buying program XXXX XXXX XXXX that her company offered at the time. I had a telephone conversation with her and documents were submitted, credit check done, all the preliminary things to start the home buying process. I was informed by the loan specialist that I was not eligible at the present time for the loan program due to a foreclosure in XXXX of XXXX, but would become eligible in XXXX of XXXX, 2 years post the foreclosure. she referred me to a realtor and suggested I start looking for a house so I would be ready in XXXX to purchase. We started looking for a house slowly as I wasn't in any rush. I found a house in mid XXXX that was still in the building process. we contacted the builder and was told they have a preferred lender. I opted to go with the preferred lender because they had better buyers incentives to offer. I was given the preferred lenders information and I contacted them in XXXX to discuss purchasing that house. the first person of contacted was the Loan originator he took all the preliminary information to start the process of securing a loan.All communication was via telephone and emails except for one occasion when I met a member from the processing team in person where I submitted. pay stubs, bank statement, ID, W2 thing of that nature was given to him. The original loan application was done over the phone and sent o me viaXXXX to sign the yellow highlighted areas and return to them, The foreclose in XXXX was mentioned and I was informed and at the time was never a issue, the process went through smoothly and I closed on the house XXXX XXXX. In XXXX of XXXX in received a letter from the main office DEMANDING THAT I EITHER PAY BACK THE LOAN OR REFINANCE OR FACE FORECLOSURE IN 30 DAYS. reason for such decision is that my foreclosure back in XXXX was not mention while trying to secure the loan. That information was in fact discussed with the loan originator my relator was aware the previous loan specialist was aware. and it public record.I have tries to get the loan refinance through my credit union, banks but have not been able to do so. paying off the loan is not a option so I am left in impossible situation. 
I contact a attorney and I was referred to CFPB for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This complain is to TRANSUNION. 
File a dispute with Transunion about the collection that XXXX XXXX XXXX XXXX placed in my credit report. 
Where the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) was violated and validation is requested. I never received a communication from this company. 
TRASUNION responded that the information was VERIFIED AS ACCURATE. 
In other words, TRANSUNION is agree that this Act be violated.

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 2021-04-29
Company: JPMORGAN CHASE & CO.
State: NY
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:
This issue began in XX/XX/2020 with a credit card charge related to the purchase of what I thought was a set of cordless power tools online on XX/XX/2020. I had ordered 2 sets of tools with a total of XXXX. The tools were to be shipped within approximately 3 weeks. 

After about a month, I called the Chase customer service number on the back of my credit card to explain my situation, and explained the I never received the tools. I had also ordered an additional 3 sets of XXXX tools the next day that were advertised on a website I was on, and I never received those either. The total for that purchase came to {$290.00}. I called on those tools as well, and did receive credit from Chase for that transaction. At that time, I spoke with a customer service representative of Chase and she submitted a dispute claim and credited my card back and told me that Chase fraud department would investigate it and that I would receive a letter with their findings. 

A day or so after I disputed the transaction, I received a small package via US mail. I opened it up and it was nothing I had ordered, nor did I even know what it was. I kept the item and the shipping packaging with the information. A week or so later I got another small item, what appeared to be a card holder of some sort that you would stick to the back of a cell phone. I saved that packaging and item as well. I also took screen shots ( with my cell phone ) of the items I purchased and am including those photos along with photos of the two items ( and the packaging ) that was shipped - as proof that I did not get what I thought I purchased. 

I followed up in XX/XX/2020 related to the {$170.00} charge and was told that the time allowance of investigation had expired, and that Chase was closing the matter and would not be reimbursing me for the charge. 

My complaint is related to Chases lack of response or follow-up to my issue. I made countless phone calls, waiting on hold for extended periods of time, and followed up with an additional submission of documentation. I made all of the effort to resolve the matter and they never followed through, and then simply said that my time had expired on the complaint and they were closing the matter. I spent time and money ( approximately {$30.00} ) mailing ( by registered mail ) the documentation related to my issue. I did this not once, but twice. I put forth all of the effort and expense and they did not honor their commitment to me as a customer. 

The CFPB is my last form of action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXL XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Today, XXXX XXXX, 2017, I contacted all three credit reporting agencies ; XXXX, XXXX, TransUnion. Only one, XXXX, provided a credit report. It had multiple errors, or which I filed a dispute. Both XXXX and TransUnion could not provide any information because they could not verify my identity. I am quite sure they have multiple errors, also. When I accessed the information on the XXXX breach, it appears my information has been compromised too! 
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 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX and Public Information: Chapter XXXX  Bankruptcy: 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 2019-08-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX XXXX****, XXXX XXXX**** , DPT ED/XXXX XXXX**** , DPT ED/XXXX XXXX**** , XXXX XXXX XXXX XXXX**** ,  XXXX XXXX XXXX XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX XXXX  (Original Creditor: XXXX XXXX XXXX) XXXX****, XXXX XXXX  (Original Creditor: XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****,  XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****,  (Original Creditor: ) XXXX****, XXXX XXXX****, CXXXX XXXX**** , XXXX XXXX****, XXXX XXXX XXXX****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I visited the XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX, NJ, I got into a new lease on XX/XX/XXXX of a XXXX XXXX XXXX at a monthly rate of {$470.00}. I made a {$4500.00} down payment including taxes. At the same time of this lease, I was also trading in a new XXXX XXXX XXXX car that was purchased on XX/XX/XXXX for {$23000.00} with a down payment of {$5500.00}. This car was financed at 16 % for 72 months. I brought this XXXX XXXX XXXX back with XXXX miles. The rollover value into the new lease was {$6900.00} vs the car 's actual value. The remaining balance went into the cost of the lease impacting the monthly payments with negative equity from the previous undervalued, high value trade in. This car most certainly sold for more than I received as trade in value. My monthly payments are unnecessarily high, despite the car 's rates currently being advertised for less. Rates at {$200.00}. I 'm unable to get out of this lease into a better option by fault of the negative equity of the previous car applied to this current lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX recieved notice and proof of my XXXX and my inability to repay loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
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: Investigation took more than 30 days

Complaint:
XXXX recieved notice and proof of my XXXX and my inability to repay loans.

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 2020-05-19
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I pulled my credit to myself for the firstime in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY FILED {$0.00} CHAPTER XXXX DISMISSED {$0.00} DEPTEDXXXX  XXXX {$2000.00} DEPTEDXXXX  XXXX {$620.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX {$790.00}

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 2020-02-23
Company: Equidata, Inc.
State: TX
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:
hippa and ftc violations they have been sent police reports and ftc will not fix them XXXX and XXXX  XXXX XXXX XXXX XX/XX/2020 Source XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Activity XXXX XXXX XXXX ( Collections ) Balance Date XX/XX/2020 Balance {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Source XXXX  Date Submitted XX/XX/2020 Estimated Resolution Date XX/XX/2020 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2020 Source XXXX  Company XXXX XXXX XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX, GA XXXX Activity UNPAID ( D ) Balance {$1600.00}

Company response to consumer: Untimely response
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I pulled my credit to myself for the firstime in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY FILED {$0.00} CHAPTER XXXX DISMISSED {$0.00} DEPTEDXXXX XXXXXXXX {$2000.00} DEPTEDXXXX  XXXX {$620.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$790.00}

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 2020-10-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$14000.00} XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Theft. After discovering it on a credit report I followed the guidance found on Identitytheft.gov and submitted a packet via certified mail containing a notarized Identity theft affidavit as well as a police report and the required documents for Identity verification. Transunion sent a letter back declining to block the information from my report which is a clear violation of Section 605B of the FCRA.

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