BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  is inaccurately reporting an outstanding XXXX debt in the amount of {$250.00} with a delinquency age of 3 years, 8 months. The actual Date of Delinquency should be approximately XX/XX/XXXX, which is when I canceled my service. 

I received a recent notification, called on XX/XX/XXXX and received the attached copy of a XXXX statement dated XX/XX/XXXX. 

I request that the account be removed from all of my credit bureau reports due to the negative impact that this has had on my credit, and because the actual Date of Delinquency does not appear to be known.

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 2020-04-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Placed order on XX/XX/2020 on Macys.com under order number XXXX, it is a qualifying purchase for the 12 months interest free financing as it is a jewelry watch purchase. I fully understand that the total purchase has to be paid within the 12 month period to avoid retroactive finance charges. Please place this purchase under this category back to the original purchase date.

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 2019-06-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
Atm check deposit on XX/XX/XXXX {$4500.00} Atm withdrawal XX/XX/XXXX {$300.00} Atm withdrawal XX/XX/XXXX {$1000.00} Atm withdrawal XX/XX/XXXX {$300.00} Deposited item returned unpaid XX/XX/XXXX {$4500.00} Atm withdrawal XX/XX/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 2021-08-10
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: Reporting company used your report improperly

Complaint:
My credit report has accounts reporting that should not be reporting on my consumer file under 15 USC 1681 and 15 USC 1681b. I have tried to communicate with these companies to resolve the problem and I have not received a response. I am suffering mentally and under the Fair Debt Collections Practice Act my rights are constantly being 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 2019-06-19
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX <XXXX> Wed, XX/XX/XXXX , XXXX XXXX to answers, me Hello, I hope you can help. 
XXXX XXXX transferred my loan to XXXX and in XXXX of 2019 XXXX transferred to a company called SLS. SLS will not work with me on updating my mortgage and are threatening foreclosure. 

I have provided them with all my monthly payments. 

I want to refinance but no one will refinance as long as SLS shows me delinquent. 

I am XXXX years old and I need to keep my home. SLS is the worst company ever. 

Regards, 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 2019-06-19
Company: First Associates Loan Servicing LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get called on a daily bases, I dont always answer, i do have payment arraingement agree to XXXX a month for my private student loan debt, and my reloadable card has been charged, yet i continue to receive calls everyday, the calls started eveyday after i made my first payment back on XX/XX/2019, i get harress everytime i do answer, they keep asking for more and more money, they wont even let me politly off the phone, i have to get rude or hang up on them, they wont meet my budget monthly limit, they wont agree to stop calling me everyday, i can not work with this company on an acceptible agreement to solve this private student loan debt. The company name is Activate Financial. ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I made a purchase on XXXX. I never received the item from the seller. I contacted him several times, he refused to reship or refund, he refused to make a claim with his shipper.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 PREVIOUSLY SUBMITTED A DISPUTE FOR IDENTITY THEFT AND THE PROBLEM HAS BEEN RESOLVED.

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 2019-03-23
Company: Credit Karma, LLC
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:
I checked my credit report on Credit Karma and noticed a hard inquiry by : XXXX XXXX, FL XXXX XXXX XXXX XXXX/XXXX The above transaction is not mine and Im extremely upset this showed on my report because it affected my score. Can you please help me? Credit Karma says to contact the creditor and the creditor says to contact credit karma and XXXX, its a big circle and no avail. I want this removed from my report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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: Was not notified of investigation status or results

Complaint:
I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this action constitutes a direct violation of the FDCPA and FCRA. I urgently demand that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. I expect immediate action to rectify 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 non-monetary relief
Consumer complaint received 2020-04-13
Company: Upgrade, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was just furloughed due to COVID-19, and have asked my creditors to defer payments temporarily until I can sort out my new financial situation. All of them have responded positively by deferring my payments temporarily. 

I contacted Upgrade today ( XX/XX/2020 ) to make the same request for deferment. I explained that I am impacted by COVID-19 and have been put on furlough. My normal payment is {$270.00} per month. The representative told me they can only take {$100.00} off of my payments, and then spent a full 60 seconds reciting the terms and conditions. I asked her for a copy of the terms in writing and she told me that they don't provide it in writing, even through email. The only part I understood in the rapid reading of the terms is that the payments are tacked on at the end, which at least helps. 

Regardless, I reluctantly agreed because I can't afford the other option which is to pay the full amount when I am struggling now to pay for rent and food. 

Would the CFPB be able to contact the lender and see about better terms on deferment? I have good credit, never miss payments on loans or rent, and am simply needing flexibility until I can sort out things financially. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've noticed some hard inquiries on my TransUnion credit report that i did not authorized. XXXX ) the first company is " XXXX XXXX '' since XX/XX/2022. I contact the company and they say I do not have an account with them so they couldn't do anything about it so I opened a report with the FTC on the matter which I will attach below. 
XXXX ) the second company is " XXXX XXXX '' since XX/XX/2022. I contact the company and they say I do not have an account with them so they couldn't do anything about it so I opened a report with the FTC on the matter which I will attach below.

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 2019-03-23
Company: BBVA FINANCIAL CORPORATION
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I am an XXXX XXXX  who moved to XXXX in XX/XX/2018, BBVA compass is the bank I first chose and everything worked well with the online banking despite the fact that I had move to XXXX   since XX/XX/XXXX till now. It worked all this time, but now that I have a large amount of money coming through international wire transfer they blocked it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Resurgent Capital Services L.P.
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:
I recently noticed on my XXXX  Report As Of : XX/XX/2019 that there are several negative items and inaccuracies due to Identity Fraud. This information has been disputed several times and it continues to stay on my report and ruin my credit. The following are all the accounts i suspect have been exposed to identity fraud, due to charges I have no knowledge of. 

XXXX XXXX XXXX XXXX - Acct # XXXXxxxx XXXX XXXX XXXX   XXXX - Acct # XXXXxxxx XXXX XXXX XXXX XXXX - Acct # XXXXxxxx XXXX XXXX - Acct # XXXXxxxx

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have called and they stated that they report on the XXXX every month. And that they are not responsible for the credit bureau not reporting correctly and that it would be on them. I did inform them they have not reported any payments since XX/XX/XXXX. They did not have much to say after that.

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 2020-07-13
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
American Express sent me to collections when I opened a dispute over a returned door. A year later they reopen my account. Add new finance and late charges. Then a few months later resend it to collections. Running up my bill. 
Making a payment on my XXXX business card ( AMEX ) @ XXXX was impossible. They can pull up much personal account but never able to put payment on business card when at the store. AmEx turned this over to collections in XXXX and referred me to them when I tried making my payment. 
I had purchased a door, returned it on XX/XX/XXXX and have the receipt. A few weeks later I asked about my account, a lady looked it up and informed me there was {$0.00} owed. So I thought it was paid off. Maybe she had my other account? Come to find out the associate put the refund on a store card ( gift card ) not on my American Express. When I found the receipt showing my return I saw it was to a gift card. I emailed lowes and opened a dispute with American Express when XXXX never responded. AMERICAN EXPRESS said account closed cant accept payment due to collections. Paid collection XXXX, Amex reopened and sent to collections again. This time a different company in XXXX. AMERICAN EXPRESS wont give me name of original collection agency. Service rep at American Express could not tell me why it was re open. They also could not tell me why there are new interests are for this period nor did they tell me to why there are new late fees and derogatory marks on my credit every month for an account that has been closed for 2 years and turn over to in credit agency twice. This is fraud on behalf of American Express. They had in XXXX and XXXX sent me to the collection agency to make payments instead of taking my payment. Now they have tripled what I owe and sent it to collections again. 
They got paid by the collection agency. Now they want payment again?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX collection agency reached out to regarding a debt that was fraudulent in my name I advised them that I never opened the account I spw XXXX they advised me to contact the company which is XXXX, spoke to XXXX they advised me that I dont owe any $ $ & they sent me a letter stating such..I then contacted the company they refused to disclose theyre name I was transferred around as they played games on the phone, I called them a few days later & the representative said just pay the bill & hung up..I wrote them a cease & desist letter because they refused to send me proof of the debt..there located in PA & there telephone # is 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 non-monetary relief
Consumer complaint received 2018-07-31
Company: Atlanticus Services Corporation
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 paid the account off via the third party collect dept XXXX XXXX XXXX with XXXX as of XX/XX/2018 when the payment processed of XXXX the remaining balance of the settlement offer of XXXX. I requested a letter stating it was paid and XXXX balance finally received that from XXXX XXXX  after a month. Disputed amount due with credit bureaus to get the XXXX balance reflected but XXXX is stating I still owe XXXX and that their collection company has not sent them any information that the debt is paid and I have emailed the letter twice and been calling to speak with a manager to get this updated for the last 3 weeks with no avail. I feel like they are trying to scam me by offering something lower I pay that but they wont update my report until I pay the rest, that seems like fraud. A bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Penn Credit Corporation
State: PA
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:
I recently pulled my credit reports from all three credit bureaus and there is a collection company, " Penn Credit Corporation '', reporting a fraudulent account from the originator of the debt which is XXXX I have never done business with this company or held any services with this company. This account is fraudulent...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX  and Experian are reporting incorrectly that I am ( 120 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a complaint with you all back in XX/XX/2018. Once the company responded to the complaint, that was my first time ever seeing the checks that were allegedly mine. The signatures were forged and I sent proof to two representatives of the company. One of them being the CEO and I never got a response back from either

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 2019-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dispute capital one for {$750.00} on XXXX XXXX because the account was paid off and they just opened a new collection. Also I am being charged twice for medical bills

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Greetings : For two billing periods ( XXXX and XXXX ), Chase did not apply payments sent to my account balance ; as a result, Chase has reported that I am between 60-89 days late which is not true. I have been in contact with Chase endlessly ; however, they are refusing to correct the mistake that has caused my credit score to drop by over 100 points. I even created a spreadsheet to show Chase that my calculations matches with their account balance for my loan for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. However, my calculations does not match for XXXX and XXXX because Chase failed to deduct previous payments from my account balance for XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: AZ
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 did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX Bankruptcy Filed XXXX & XXXX XXXX Bankruptcy 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 2023-04-17
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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