BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I submitted a dispute with Transunion for a XXXX XXXX Card account regarding a late payment in mid XXXX. The late payment they are reporting is from XXXX of XXXXThe investigation was concluded on XX/XX/XXXX of XXXX. Upon completion the balance reported was changed to the balance of the previous month which was higher. The result of this was my Transunion mortgage score 4 decreasing. The higher and incorrect balance reported of {$50.00} is incorrect and has damaged my process in my dream of buying a home.

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 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-02-04
Company: Credit Plus 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 am in the process of refinancing my VA loan with XXXX XXXX XXXX   which was in the closing process when a credit reporting company ( Credit Plus , Inc reported an incorrect payment record on my XXXX XXXX XXXX   home mortgage loan. This caused a crash in my FICO credit rating and my refinance application to be rejected. XXXX XXXX XXXX my current mortgage lender ALSO through a process of malfeasance reports my correct payment record on their web site BUT reported two ( 2 ) monthly payments 30 days late. to XXXX XXXX XXXX  AND all three credit reporting agencies, My account is CURRENT and paid up to date BUT both XXXX  XXXX and Credit Plus Inc intentionally misreported my actual payment record, causing 1 ) my refinance loan to be rejected and 2 ) my FICO credit rating to be REDUCED from XXXX to XXXX. These illegal reports of late payments have caused me great harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX updated my credit file in XXXX of XXXX to reflect their reporting to show the account current with them until XX/XX/XXXX and then changed it to charged off status at that date. This is multiple violations ; re-aging, false reporting, and malicious injury. 

The actual date of closing is reported correctly to XXXX on XX/XX/XXXX, not XX/XX/XXXX as reported to Experian. All of Experians phone numbers do not go to a live person and through their online system they have refused to address my concerns. Including this debt being discharged through a XXXX which pursuant to IRS bulletin XXXX should have already showed a zero balance. Based on the fictitiously reported information, and inactivity of the CRA to address or correct this for months I demand immediate removal of this account from my Experian 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 2018-06-25
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
credence resources I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with BMO Harris on XX/XX/2017. I opened the account online, and used a code " XXXX '' to earn a {$200.00} account opening bonus. The account was opened with seemingly no issues, and even issued me my account number. I did all the activities I was supposed to do to qualify for the account bonus. I called a few months later to find out why i have not yet gotten the bonus, and a rep told me to wait up to 6 months. I did, and called back. This time, I was told I don't qualify, because I'm not in their retail footprint. 

If I'm not qualified, then why did the system accept my bonus code, and issue me an account number? Where on their website did the company state that this offer and code is for consumers within their retail footprint, and how is their retail footprint defined? If I put in a code that I don't qualify for a deal for on XXXX or any other website, the code rejects - in this case, my zip code should have alerted BMO, and the code should not have been accepted, nor the account opened under the pretense that I will be getting a bonus. The fact remains that the code went through, and the account was opened. This is a systemic failure on the part of BMO Harris ' IT department, and is a bait and switch tactic to get people to open accounts they don't qualify for. 

I am demanding that BMO Harris honor their offer and credit my account the {$200.00} bonus. I have called numerous times, and the various individuals I speak to, most recently a XXXX in the online banking call center, refuse to escalate this matter, and furthermore refusing to provide me the number to the executive office to formally complain to someone that actually cares. 

I intend to further file a formal complaint with the CFPB for abusive advertising practices, and non-disclosure of terms when opening an account online for promos.

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 2017-12-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
RE : Report number XXXX, XXXX XXXX, 2016 Name IDs : XXXX, XXXX, XXXX My Experian Credit Reports not only an incorrect report of unpaid fees from a collection agency, XXXX XXXX XXXX XXXX, for a company named XXXX XXXX XXXX XXXX XXXX, but repeats this as over a half dozen unpaid fees. All of these fees had been paid at the time of service, as was strictly required and payment enforced before service performed, but due to the service provider 's sloppy record keeping, the business did not properly record the payments, while it 's fastidious policy of requiring payment on the spot insured non-payment would not happen. I am not only upset at their erroneous reporting, but their maliciously reporting their claim multiple times as if they were a multitude of credit incidents making their damage to my credit as though a multitude of creditors for their small ( approx. {$20.00} ), individual payment required at the time of each service. 

I refer specifically to their repetitive entries on my credit report : Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Not only are these maliciously reported multiply repeatedly to accumulate undue overstating and degrading of my credit, each and everyone are false reports of already paid fees which are improperly being claimed!

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 2017-12-27
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
2008, {$5800.00} filed an illegal lien on house

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a letter of collection from XXXX XXXX XXXX stating I had an outstanding debt to XXXX for {$310.00}. I was shocked by this as I no longer had XXXX and had terminated my services 6 months prior, nor did I ever receive a bill from XXXX stating that I had an outstanding balance prior to receiving the collections notice. I called the collections agency and immediately paid the debt in full on XX/XX/2020. A month later, onXX/XX/2020 I get a all from a collection agency in XXXX mass ( ph : XXXX ) attempting to collect the same debt. I told them I paid this debt and was prompted to go online and provide proof. I did so. I provided them with Acct #, Credit agency, confirmation number of payment and my actual bank statement providing them proof of payment. On XX/XX/XXXX I was speaking to my mortgage lender about making an offer on a home i was attempting to purchase and he tells me that there was a new debt collection account on my credit as of XX/XX/20 that was now blocking my eligibility for a particular mortgage program that would significantly lower my mortgage and interest rate. To my surprise once again it was the SAME XXXX  debt I paid in full back on XX/XX/XXXX. I called the collection agency and they stated that they sent all the proof to XXXX of my payment to the other debt collector ( XXXX XXXX XXXX ) and that XXXX never retracted or cleared the debt so they reported it to the credit bureaus even though they had the proof I paid it. I then spent the next 5 hours on the phone with XXXX who gave me the complete run around. No clear answers, and no resolve. This is in clear violation of Fair Credit Reporting Act Rights. I conferenced in both collections agencies and XXXX on a call and both agree XXXX needs to simply tell the second collections agency that the debt is no longer owed and to clear it from credit accounts and reporting to the credit bureaus. Then I am was transferred around again and for some odd reason there are zero supervisors to assist. This is having a major impact on my life. After much stress, work, and searching, and sacrificing, I may lose the home I have worked so hard to get for my family over {$310.00} debt that was paid. This is outrageous and I most certainly will be filing a lawsuit if this is the case.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: DriveTime
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed hard inquiries on my credit report that I did not authorize and did not receive a response or correction from neither of the Credit Agencies. 

XXXX hard inquiries are XXXX XXXX XXXX -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX DT Credit. -- -- -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : XXXX XXXX, XXXX XXXX -- -- - Dispute letters were sent out XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. 

Inquiry date : XXXX XXXX, XXXX XXXX hard Inquiries are XXXX XXXX -- -- -- -- - Dispute letters were sent out on XXXX XXXX, XXXX and XXXX XXXX XXXX. I received a notice from " XXXX XXXX '' saying that there is no account-related inquiries or application on file but yet they have not deleted this inquiry on my credit report. 
Inquiry date : XXXX XXXX, XXXX Net Credit -- -- -- -- - Dispute letter was sent out XXXX XXXX, XXXX Inquiry date : 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 2018-06-22
Company: Bridgecrest Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/18 XXXX XXXX repossessed my vehicle. During the course of the recovery the agent violated SC breach of peace laws and was reported to Bridgecrest. The agent also failed to produce repossession documents as well. Bridgecrest was contacted regarding this attempt and was asked to produce the repo affidavit, copy of title, right to cure and repossession order. This was requested both verbally, in email and from an FOIA request. They referred me to the agent. I contacted the agent to inquire about their surety bond information and insurance. The agent refused to release the info and referred me back to Bridgecrest. Bridgecrest fails to suppy the requested information so I can pursue my claim against them and the agent contracted by them. Bridgecrest also has submitted false facts to the SC Dept of Consumer Affairs regarding their stance on the ongoing situation. Bridgecrest was notified on XX/XX/XXXX that my debt was disputed and they should cease collection activities until investigated completely. They refused this and repossessed the vehicle. I am disputing interest applied on my account, incoreect application of payment, past due amount and total amount due. Bridgecrest continues to charge daily interest even though the car isn't in my possession. They also have failed to produce the state required 10 day letter as well as my personal belongings. Their shady practices and their agents should be investigated.

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 2017-12-09
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I used XXXX XXXX ATM to withdraw {$240.00} cash, but its ATM only dispensed {$220.00} to me ( {$20.00} short ). On XX/XX/2017 at XXXX, I used XXXX XXXX ATM machine at XXXX XXXX XXXXXXXX XXXX. , XXXX , TX to withdraw money. I chose to withdraw {$240.00}, but the machine only dispensed {$220.00} ( actually 11 pieces of {$20.00} bills ). The ATM receipt showed that I withdrew {$240.00} and also my debit card transaction posted is also {$240.00}. Apparently the ATM machine of XXXX XXXX only gave me {$220.00}, but still charged to my debit card {$240.00}. 

I request Comerica Bank to refund me the over-charged {$20.00} due to their ATM error. For your information, the machine # is XXXX. Also the Record No is XXXX along with another sequence # in the receipt XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late 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 2018-06-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Chase closed my business checking account and charged me a {$75.00} legal fee. The irs mistakenly took money out of my account and now I have had to redeposit the funds. The banker informed me he would refund it but could not on Monday because the account is closed. He said if it was open he could. This is is unacceptable.

I am upset because I found this out online. When I have gone to the branch the employees were not informing me this happened. If I am communicating with chase employees about my account they should have told me this.

I had to go back to the branch and waited three hours on Monday to reopen the account.

I called yesterday to access my account and I was told I need my debit card to get access to my account.

Today I went to the branch and I was not given my debit card or checking account number after signing up in branch on Monday.

Chase also has a XXXX  bonus for opening the account. The banker was also unable to give that to me so I had to email it t. But its not credited yet.

I also had problems with my credit card application and am worried it will be not sent to my XXXX  address.

I also am interested in buying a condo and wanted to do business with chase. I have taken out thousands of dollars from chase because of poor service. I have put it in wellsfargo advisors. I dont have these problems with them. I need my XXXX  dollars back. I like chase but prefer not have these problems. Can someone please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Have a 30 yr fixed VA loan serviced by XXXX XXXX. Requested forbearance under CARES Act related to financial hardship due to COVID-19.Recieved approval of forbearance approval. Was current on mortgage payments until I received notice of approval of forbearance, then halted payments. Noticed a 17 point drop in my credit rating based on data submitted by XXXX XXXX. It was my understanding that under the CARES act that the forbearance period should not negatively affected my score which is not the case. I have reached out to XXXX XXXX in an attempt to resolve this and not recieved any resolution. Any assitantance in this matter would be greatly appreciated. 
Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Avant Credit Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2020, I previously submitted a complaint ( confirmation # XXXX ). 

AVANT Credit Card has again ( 1 ) failed to close my account and ( 2 ) applied bogus charges. The loan number assigned to me is ID # XXXX. 

Today I received another bogus charge via email. See below. Please stop these criminals! 


| AvantCard | Your Statement Hi XXXX, Your statement is now available. To view your statement, log into your account online. Here are some of the details : Statement Balance : {$29.00} Total Minimum Payment Due : {$25.00} Payment Due Date : XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent a paypal somehow to an invite from someone's old email, and the money was accepted, then I resent to the same email and it was not accepted, I updated to this person 's new email, and then I had to dispute past issues, and the person is having trouble receiving correct money, and my dispute has taken 3 weeks to handle with no solution. I've been charged interest fees and experienced XXXX   from the poor transactions, taking money out of my cards that I do not prefer. 

This old incorrect email is for a " XXXX '' account, and the current correct email is for a " XXXX '' account. Here are the exact emails in this situation 1. Old incorrect : XXXX 2. New correct : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-09
Company: Experian Information Solutions Inc.
State: CA
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:
when I took look at my credit report I notice some Hard Inquiry that I know I did not give permission to run. I look at all of the majors credit agency each one is showing something different. with these hard inquiry cause my credit score to drop. I would like these hard inquiry to be correct and remove. from all three credit agency. 

This is list of all the Hard inquiry. 
1. XXXX XXXX XXXXXXXX DATE : XXXX XXXX, XXXX 2. XXXX XXXX -- -- -- DATE XXXX XXXX 3.XXXX XXXX XXXX -- -- -- - DATE .... XXXX XXXX 4.XXXX XXXX XXXX -- XXXX DATE XXXX XXXX, XXXX 5.PXXXX XXXX XXXX DATE 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