BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: GA
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 XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a repayment plan with XXXX XXXX XXXX in order to keep my home. I have made payments on time every month since XX/XX/XXXX. I filed a complaint with CFPB towards the end of last year against XXXX because they would not work with me in regards to the balloon payment. I requested extra time because I am on a leave of absence from my job because of a XXXX XXXX. After filing the complaint, XXXX agreed to work with me and stretched out my payments. I received a letter in the mail XX/XX/XXXX stating my mortgage has been sold to Rushmore Loan Management Services. I  called the relationship manager assigned to me, XXXX XXXX. I left a message on her voicemail asking when and where I need to send my check for XXXX 's mortgage. I have never received a call back from her or anyone from Rushmore. I have received paperwork stating my house would be in foreclosure, again. I only have about six months left and a balloon payment left on my repayment plan. I do not want to loss my house or start this over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of id theft and my personal information was compromised in the XXXX data breach. This bureau received my identity theft report on XX/XX/2018, along with the list of items that were linked to the fraud. 
As per the FCRA they are required to block all fraudulent information within 3 days of receipt of dispute. This was not done, the fraudulent items still plague my credit report. The company has violated my rights under the FCRA as a victim of ID theft. 


Enclosed Copy of disputes received by bureaus Copy of ID theft 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 2020-05-06
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

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 2019-04-02
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for an Amex Gold Business credit card. The promotion stated spend {$5000.00} within the first three months and receive XXXX bonus points. I did that. Its been six months and I havent received the bonus points. I received this card in XX/XX/XXXX. I spoke to a rep from Amex in XX/XX/XXXX. She told me she was going to open a case and I would receive my bonus points within 6 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: EQUIFAX, 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:
On XX/XX/2020 I pulled my report again and noticed that XXXX XXXX is still reporting on my credit. I have sent multiple disputes in showing why this account isnt mine. Yet they are still reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
When I learned about Capital One 's rewards program I signed up so I could earn cashback rewards on every purchase, as their advertising claims. I used the card for many months and accumulated plenty of cashback rewards which I planned to pay off the balance of a monthly bill if/when I needed it. 

Well since the corona virus my income has suffered dramatically, so when I went to pay off the balance of my monthly bill with cashback rewards, Capital One rep said that even though I pay off the balance I would still owe the minimum payment because the monthly statement had already closed. 

There's no logic in that and smells like a deceptive practice. I wish I knew that from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
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: Account information incorrect

Complaint:
Per Consumer Financial Protect Bureau Section XXXX, Requirements for over-the-limit transactions for XXXX ending in XXXX ; permission was never requested from XXXX nor given to allow for the over-the-limit-fraudulent transactions. In addition, XXXX did not have methods in place to prevent the multiple fraudulent payments that allowed continuing purchase that allowed the credit limit to be exceeded for purposes of theft. Hopefully XXXX is now protecting their clients from thieves. Moreover, a proper investigation didnt include the methods of payment used to make the fraudulent payments. XXXX states they will not share this information or do not have. This is America. Any information can not be withheld from the consumer if the consumer will then be held responsible. The theft resulted in account being closed, charged off, and then exceeded my ability to make a lump sum payment, and prevented me from continuing payments per my original and signed agreement. Thus my account is not accurate nor being reported accurately per requirements of the FCRA. XXXX did not follow Section XXXX of Consumer Financial Protection Bureau.

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 2019-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
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 for 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 account. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection on my credit report from a collection agency called Professional Bureau of Collections who alledge they are collecting for XXXX. 

My account has an arbitration clause that my account with XXXX was handled through. This company is trying to collect on a debt that they DO NOT own. They are in direct violation of the FDCRA and what they are doing is illegal. My XXXX contract has a arbitration clause that clearly states that any disputes that arise are between them and I. Therefore a third party can not be involved. Professional Bureau of Collections does not own the debt and has no legal right to collect on it. XXXX assures me the company does not own this debt and to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
XX/XX/2016, {$4700.00}. This account was a paid account and is reporting charged off when in fact that it shouldn't be. It was a paid in full account. I requested it be corrected and haven't received a response.

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 2019-04-02
Company: SYNCHRONY FINANCIAL
State: MD
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:
There is an issue with your account, Please contact Customer Service at XXXX. 
You will not be able to make purchase with your card until you contact customer service. 

I was trying to make a purchase and the Synchrony bank inappropriately tagged the car part as fraud and 3 times denied my purchase the item cost was {$350.00}. While the vendor was on the phone they rejected my card and when I called they marked my purchase as fraud. Numerous phones calls were made to rectify this issue and they refused. The fraud department employees claimed they could not validate my identity and insisted that I take a picture of my drivers license or take a video. Apparently there is a language barrier as the calls were routed to XXXX and the employees were rude and unprofessional. They called me on my home number I answered and my cell and stated neither number which they have on their credit card record is registered to me. I find that UNBELIEVABLE AS THEY SEND ME TEXT MESSAGES AND THE OTHER NUMBER IS ON MY ACCOUNT PROFILE. The credit card is current and in good standing since 2011. I

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 2021-04-09
Company: Experian Information Solutions 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:
XXXX XXXX accessed my credit report on XX/XX/2017 without permissible permission which then led to a fraudulent loan. Attached is the incomplete application that XXXX XXXX XXXX XXXX sent me. It was completed on XX/XX/2017, one day after credit was pulled. In addition, the application was incomplete and as stated at top of application was not to be processed. The person, XXXX XXXX aka XXXX XXXX is listed on application and is a known felon. See attached convictions and felony arrests that include forgery to purchase cars, false pretenses, impersonation, and credit card abuse. She was also stealing out of my rural mailbox. Together Credit Union financed one car but dropped their claim due to fraud long ago. XXXX XXXX credit report reflected XXXX and the application they sent was dated XXXX However XXXX XXXX XXXX XXXX refuses to drop claim and requests information should have been stated on sheriff 's report that makes it impossible.

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 2019-10-22
Company: GreenSky, LLC
State: DE
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:
Filed a report with the ftc and also XXXX police department because accounts aren't mine and have yet to respond to my disputes made to them and the credit bureaus or remove the accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Had a PNC virtual wallet account that was in good standing, and I closed it over 2 years ago, in person, at the branch. I kept, however, getting statements that showed a {$0.00} balance and notices from PNC that my account address had changed after every time I moved, and every time I called PNC bank they told me that their system had been undergoing maintenance, so they were unable to even locate my account, let alone close it. 1 year ago the representative assured me that my account was closed, but today I got another letter from PNC bank telling me that it was to " confirm an address change request submitted by you or a joint account holder either to PNC directly or through the US Postal Service. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Delta Management Associates, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several weeks ago a debt collector name Delta Management Associates Inc. phone XXXX located XXXX XXXX XXXX XXXX XXXX XXXX, MA. 
or XXXX. XXXX XXXX XXXX, Ma XXXX called me regarding a debt for a XXXX XXXX. I informed them that is not me and to not call again. week of XX/XX/XXXX the company called me again on the same number. On XX/XX/XXXX I received another call on the same XXXX number. This time I spoke with the manager who said his name was XXXX XXXX and he said they would remove me from their call list. However 10 minutes later they called again on a cell phone of mine. I then specifically asked them to remove all phone numbers that have my name listed on it from the area code in which I live. This they refused to do. Although they are referencing my name with the number they wanted me to give them my phone numbers. I told them you are only calling me because my name of XXXX XXXX is associated with this number and because you have associated my name with XXXX XXXX you are calling me. So easily you can find the numbers associated with my name and remove them from your list. They still insisted they won't do this. I believe this is abusive especially since the debt they are calling about is not even the person they are calling. They said they would remove the called numbers from the list yet would not send me a confirmation in email or writing and said only two numbers would be removed. Again I believe it is their job to know who they are calling and is not right to keep calling the same person again who doesn't belong to the debt.

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 2021-05-24
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is a case of detrimental reliance. 
US Bank took my call XXXX XX/XX/2021 to execute a close out of an IRA Money Market Account with a check mailed to me as that is US Banks ONLY method of processing. It was verified by a subsequent call to US Bank ( today, XXXX XX/XX/2021 XXXX I was informed on XXXX XX/XX/2021, that it would take 5 to 7 business days to complete the transaction as I called US Bank to inquire as to why the check had not been received. I was informed the transaction had not even been processed as of XXXX XXXX today, XXXX XXXX, XXXX. US Bank REFUSED to consider expediting the transaction, refused to consider using long established XXXX and even REFUSED to consider overnight mail of said check at MY expense per my request. US Bank is intentionally manipulating and withholding depositor 's funds.

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 2018-10-15
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I received an offer from Chase Slate for a zero percent balance transfer on XX/XX/XXXX. I submitted a request for balance transfer to go to two of my XXXX XXXX accounts on that same day. One in the amount of {$9000.00} and one in the amount of {$6000.00}. With a balance transfer fee totaling {$750.00}. 
I called to check on the status on XX/XX/XXXX as XXXX XXXX had no record of the transfers. Chase representative advised to call back on Friday, XX/XX/XXXX, if they still had not been processed. The Chase representative indicated that the payments were electronic transfer, and should be cleared by then. 
I called back on XX/XX/XXXX to again check the status. I was advised at that time that they were not electronic, but cashiers checks that had been mailed on XX/XX/XXXX. At that time, it was indicated that it could take up to 21 business days for the checks to process, and there was nothing that could be done until that time. Upon requesting to speak with a supervisor, I was told the same thing, that I could call back on XX/XX/XXXX to request that an investigation be started on these checks. The supervisor specifically said XX/XX/XXXX. I also expressed my concern that there was a payment coming due on XX/XX/XXXX.  The representative would not validate this concern, stating that it for sure would be resolved by that date. 
XX/XX/XXXX, called back, as the balances are still showing on XXXX XXXX and are now showing on my credit report as balances for both Chase and XXXX. The representative manually counted the dates and indicated that an inquiry and escalation could not be technically filed until XX/XX/XXXX, as that was really the 21 business days, due to a holiday. I became insistent and told her that the escalation needed to happen on that original date given to me by the supervisor. She did begin the inquiry escalation process, which I was told could take up to 30 additional days to complete. She also indicated that it may be rejected due to the time frame not being met. But that I would hear something regardless within 3 to 7 calendar days. Today being XX/XX/XXXX, calendar day 6 and I have not heard from them. Nor have the checks been received or processed by XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Was victim of identity. And TransUnion refuse to move hard inquiries from my credit profile that was the results of identity theft

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 2019-04-02
Company: EQUIFAX, INC.
State: PA
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:
CRA IS IN VIOLATION OF FCRA, FDCPA, DODD FRANK ACT, METRO 2 COMPLIANCE ETC.

Company response to consumer: Closed with explanation