BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
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 recently pulled my credit report and saw a bunch of fraudulent accounts including a school XXXX XXXX that I never attended. The bureaus removed XXXX XXXX but some of the student loans remain.

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 2021-04-11
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: Personal information incorrect

Complaint:
I have reached out to XXXX & Equifax several times to remove old addresses or address information that is not accurate in my profile. There's one address on file that's over twelve years old and should be removed off my credit profile and they have yet to remove the old outdated address of my credit profile. This information is preventing me to move forward in my life for I do not live at this address any longer. It is also violating my rights under laws that prevent this from happening and they want honor those laws. The second address on my credit profile is an address that I have never lived and must be fraudulent. I am writing a complaint to you because I have provided XXXX with the information and they claimed to have reached out to the creditors that or on file associated with these addresses, but have not provided me with the proper information to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
OnXX/XX/2019 and XX/XX/2019 I closed 2 accounts with Chase. Both accounts were settled in less than full amounts and Chase Bank told me there would be no impact to my credit. Only that I would have to pay taxes on the settled amount. 

Since then, my accounts are showing as late, and or, missed payment with every credit bureau. I have disputed this several times with them and they will not change the status with the credit bureaus. I believe this is a malicious attempt to punish individuals who settled with them. I have settle other accounts before and after, and they are the only company who reports like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
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: Account information incorrect

Complaint:
XXXX has consistently misreported my credit usage! After bringing my credit card balances down to below 30 %, XXXX has not changed my credit usage in 3 MONTHS!!! This is wrong and a violation of the Fair Credit Reporting Act. XXXX NEEDS TO CORRECT THIS IMMEDIATELY or I will file a complaint with the Attorney General 's Office in the state where their corporate office is located. They have 30 days to correct this then I will file an additional complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
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:
XXXX has consistently misreported my credit usage! After bringing my credit card balances down to below 30 %, XXXX  has not changed my credit usage in 3 MONTHS!!! This is wrong and a violation of the Fair Credit Reporting Act. XXXX NEEDS TO CORRECT THIS IMMEDIATELY or I will file a complaint with the Attorney General 's Office in the state where their corporate office is located. They have 30 days to correct this then I will file an additional complaint.

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 2021-11-04
Company: TD BANK US HOLDING COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XXXX of 2021 I had use a credit card from td bank I was doing good on my payments but then I had a family XXXX in the family because of XXXX and I could no longer make payments. I called td bank credit card services and they said we can help I had someone call me XXXX XXXX  in the morning took my information and then the next day I was denied. The rep never told me that I had to wait 9 months to get help. I blame td bank for this because they told me not to pay the bill until it is late so they can help me with the bill. LIES not only did they tell me thats not there policy they dont help you unless its 9 months now they put late fee after late fee. When I tell them they were the ones responsible they just write me hate mail stating if you dont pay your bill will be forced to send it to a collection agency. Basically Im being threaten Im XXXX  a senior why are they doing this they have no heart. They sent me a rep named XXXX he was the worse rep he did not try to help me at all all he kept telling me was about there policy and apologized for someone who didnt know there job. Td bank wont help me they havent even tried to take off any fees when they said they did take off fees it was only towards the bill itself not the bill installments. Even tho the rep gave me the wrong information td bank is suppose to honor it. They dont want to honor it because they want the bill to go high enough where it can go to an agency. They keep telling me on all the letters they sent we can help if you cant pay your bill but every time I call the number they keep saying 9 months thats are policy and hang up on me so its just lies they dont want to help me at all. Im paying what I can pay Im tired of them harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX has not reported my payment history since XX/XX/XXXX. I have contacted and can't get anyone to report monthly to credit bureau. This is affecting my credit due to me trying to get a house. I have also faxed a copy of my Driver license and Marriage certificate where I got married XX/XX/XXXX and my name was changed on my account last time I complained and now it is back to XXXX. My Legal name is XXXX XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-03-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
https : //oportun.com/ I notify this collector to stop calling me on Sundays is not a good day for me and stop calling me every hour I believe they have to have to wait some time for them to call me again at the same time. When I ask for an employee ID so I can keep a record of the person who is calling me they refuse to provide it or let me talk to a supervisor. 
I did ask them more than 5 times to stop calling me on Sundays and sometimes they call me after 5 minutes of the first call. I advise them to please stop calling me Sunday 's which is not a good day for me they refuse the is the main complaint. thank you. 

Sunday XX/XX/2020 they call XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello, My name is XXXX XXXX XXXX XXXX. I am currently receiving PUA unemployment due to COVID-19. I have been on unemployment since XXXX. I have never had a problem with my reliacard until XX/XX/2020. I made a transfer of {$1400.00} from my reliacard to my XXXX XXXX card. After I attempt to make the transfer my card was block from any further purchases and the {$1400.00} never deposit into my XXXX  XXXX  account. I awaited numerous days and currently still waiting and nothing. Ive made several calls to reliacard and they told me I needed to fax verification to them for proof of identity to try and combat fraud. I sent my ID, my passport, my birth certificate and my card ID number right away and it has now been 18 days and I still dont have any access to any of my funds and my transfer was never completed. I have proof of everything. Please help me. I am not a scammer, I am not committing fraud. Im just a mom of XXXX  who needs to feed her children and pay my bills. Please help me. My telephone number is XXXX and my email is 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 2021-04-11
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Close to XX/XX/2021 I opened a dispute for a ACH transaction. I received a letter in the mail and is more than 10 days and I havent received temporary credits for the transaction and overdraft fees charged by US Bank. 
I called again and they said that they are going to reopen the dispute, I dont understand why I have to reopen a dispute that was opened before. 
Now I see a transaction for {$360.00} with a name of Forced Post ACH, I dont understand what is this transaction for, I havent provide that information to anyone.

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 2021-11-04
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt Collector, " AARGON AGENCY INC, '' posted {$97000.00} Open balance, opened XX/XX/2020 Original creditor " XXXX XXXX. '' Debt Collector, " AARGON AGENCY INC, '' has failed to validate in timely manner ; and has failed to provide XXXX with " proof of contract. '' XXXX XXXX requests that XXXX be instructed to stop reporting the above information without showing debt was validated by written proof of contract. 
Thank you

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 2020-11-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I received an email from American Express advising they were cancelling my credit card. I called and spoke to XXXX XXXX at American Express who advised me that the company canceled my account because of negative reporting provided by XXXX. I advised XXXX XXXX I don't have any negative information on my credit report and provided a copy of my all three credit reports showing so. I then spoke too XXXX XXXX on XX/XX/XXXX who advised they didn't understand why the account was canceled because there's no reason and transferred me to a department who requested reinstatement the rep 's name was XXXX XXXX ). I then Spoke to another rep XXXX XXXX and XXXX XXXX who also confirmed they showed no reason for cancellation and transferred me to a Supervisor ( XXXX XXXX in the XXXX department Ref # XXXX ). XXXX submitted a request for my account to be reviewed and the request was rejected stating that it's because of my XXXX score which is a different reason then what I was originally provided, which is incorrect because my XXXX score has been the same since I received my card. I've been given misinformation by the company, because they have no reason for the cancellation. 

I spoke to a Manager XXXX XXXX XXXX XXXX who advised that the because I hadn't used my card that was one of the reasons. I challenged that and asked why wouldn't they send me something letting me know that I need to use my card, he stated they don't need to provide that type of advanced notice. 

I requested the complaint / grievance and he was uncertain and wouldn't provide me with information. This is going to effect my credit and possibly my home loan. I'm requesting this company reinstate my account to prevent damage to my credit file. 

Please help me get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX and XXXX Opinion by facts! No matter how simple you state it or how often these companies can not get correct. Time after time disputes rejected but correction data remains. The CFPB says hey is this the same complaint- DUH tells you how worthless they are. Of course its not correct and n one does anything Opinion a rip off of the American tax payer. " We're sorry. You replied to a confirmation-only address that can't accept incoming e-mail. For more customer service options, please access XXXX '' Incompetence or deliberate you decide.

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 2021-04-11
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: OneMain Finance Corporation
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM A VICTIM OF UD THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT FRAUDULRNTLY IN MY NAME : ONE MAIN OPENED XX/XX/2019 THEY WERE MAKING PAYMENTS COMING OUT OF MY ACCOUNT UNTIL I CONTACTED THE POLICE DEPARTMENT AND SHUT DOWN MY BANK ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX it was brought to my attention that a collections company, Ad Astra Recovery Services Inc., was attempting to get payment for a loan of {$1200.00} taken out on XX/XX/XXXX. This is a loan that I did not take out. They were threatening to have me arrested and would harass my family as well. I took steps with Ad Astra to clear the account they had under my information by completing a police report and writing them a formal response informing them that the debt was a result of an instance of identity theft. They told me that everything was taken care of. Earlier this year I received a letter in the mail from XXXX XXXX XXXX , XXXX, stating that they have taken over the account and that I now owed them the debt of {$1200.00}. When I spoke with them on XX/XX/XXXX they requested the same documentation, so after waiting to receive the police report, I sent them all documentation on two different occasions, XX/XX/XXXX and XX/XX/XXXX. I did not hear back from them until it was brought to my attention that my XXXX  credit score had dropped XXXX points because of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2019-02-26
Company: KEYCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019, I had another confrontational and unproductive conversation with XXXX with the so called executive department. She has continued to discriminate against me, mispronounce my name, and repeatedly use the infuriating phrase, " I'm sorry you feel that way. '' In response to their gross, and continuous errors. She has continued to discriminate against me, based on my XXXX last name, intentionally misprounouncing it, belittling me, and refusing to assist me based on her clear XXXX, and bigoted views. She constantly brags about not having a manager, and she can do whatever she feels, repeated hang ups and provocations on her end, and her blatant and misguided intolerance. I had a simple debit card dispute which has turned into pure warfare, waged against me based on my last name, clearly, and XXXX status, which they know from viewing my account. XXXX has waged war against me, a simple banking customer, because of my didabled status and last name. I'm unfortunately very familiar with these bigoted attitudes, stemming from the XXXX area, as I've been a resident in this about one year ago. The rest of the country doesn't share and condone this type of bigotry. Why does Key Bank? Because, anyone left to their own devices, with no direct XXXX can and do say whatever they Please. No matter how XXXX, bigoted, intolerant and mostly, XXXX. As I have witnessed first hand in my unfortunate interavtions with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is the third complaint we have filed. We have completed fourteen trial payments for a modification that was to have been completed after three trial payments. Each of the trial payments was made timely each month. The modification was approved originally in early 2020. After the last complaint the company responded by saying a task was set on XX/XX/XXXX, to post those payments. The completion of system maintenance will take approximately another month ; however at that time you mortgage account will be current. Your mortgage account will be reported to the credit agencies as current during this period of time. 
I contacted the loss mitigation department today and they said it would be some time before the paperwork was completed and they are waiting on third party approval. Citizens One bank has continuously XXXX  during this entire process, and is engaging in deceptive business practices by refusing to complete the modification that was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
PNC no longer supports XXXX, which is a App that would allow you to invest by rounding up your linked account purchases and using that loose change to invest. PNC does not allow anything that helps or makes life convenient for the customers. They will only help if it helps themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Home Loan Center, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
For refinancing, I went to the Lending Tree website ( www.lendingtree.com ). I was not asked to enter my SSN. However, based on my name, DOB, and phone number, they obtained my SSN and then passed it out to unknown number of lenders, ALL without my permission or authorization. I contacted them and they said that it is disclosed on the page asking for the phone number. I took a screenshot of each page and that is not so. They just said that our legal department has approved everything on our website.

Company response to consumer: Closed with explanation