BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-18
Company: DISCOVER BANK
State: OR
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 have a DISCOVER BANK CREDIT CARD which for the year XXXX - XXXX have taken out balance transfers BALANCE TRANSFER HISTORY : {$3900.00} Deposit into Checking DISCOVER BANK ending XXXX Sent to your checking account on XX/XX/XXXX. 
Promo APR 6.99 % Promo Expires XX/XX/XXXX {$7000.00} Deposit into Savings DISCOVER BANK ending XXXX Sent to your checking account on XX/XX/XXXX. 
Promo APR 0 % Promo Expires XX/XX/XXXX {$7000.00} Deposit into Savings DISCOVER BANK ending XXXX Sent to your checking account on XX/XX/XXXX. 
Promo : APR 0 % Promo Expires XX/XX/XXXX My problem and issue is this : I have two {$7000.00} Balance Tranfers that will be expiring their 0 % APR on XXXX and XX/XX/XXXX In order to off set the high Interest rate of 17.99 % that I will be charged when the 0 % APR expires. 
I took out another Balance Transfer on XX/XX/XXXX in the amount of {$3900.00} at 6.99 % for 15 months in order to pay off the oldest loan expiring on XX/XX/XXXX Much to my distress is upon requesting an update on my loans balances, I find out that Discover had taken the {$3900.00} payment that I send and applied the payment to the newest loan instead of the oldest loans. In essence they took the payment of {$3900.00} and paid off the new loan of {$3900.00} in full by XX/XX/XXXX. 

Here 's is the update of my Balance transfers owing : CHAT MESSAGE XX/XX/XXXX Hello XXXX! This is XXXX in XXXX XXXX XXXX. I would be happy to help you today with an update of your balances. The balance ( s ) disclosed is as of today XX/XX/XXXX Balance transfer - Expires XXXX XXXX, balance of $ XXXX 0 % APR Balance transfer - Expires XXXX XXXX balance of $ XXXX 0 % APR Balance transfer -Expires XXXX XXXX balance of {$0.00} - 6.99 % APR Here 's my Payment History : Payment Date ; Amount XX/XX/XXXX {$1000.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1200.00} -- This Payment was also applied right away to the loan of XX/XX/XXXX I have been notifying Discover Credit Department of their error in applying my payments. I have always understood that the oldest Balance Transfer will be paid first. 
I believe that they have deceived me and dishonored their agreement by taking my payments and paying off a loan which they agreed to give me 15 months to pay back. This will give me undue stress when I have to start paying the high Interest after XX/XX/XXXX In order to resolve this issue is for Discover Bank to honor their agreement and apply my payments to the oldest loans first. 
Thank you, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following US DEPT OF ED/XXXX  XXXX .... Balance : {$5800.00} ; XXXX XXXX/XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: LEXISNEXIS
State: MI
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:
LEXIS NEXIS violated my rights as a consumer and shared my personal information without my consent with Consumer reporting agencies about a bankruptcy filed in 2018. Per the violation law of 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681 b ( a ) ( 2 ) I have contacted them and they have received a letter of my complaint and it has been attached to this complaint as well as proof it was received by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I tried to apply for the Amazon Chase card because every time I try to buy something on the Amazon website they badger me relentlessly to apply for their card. I finally applied for it today. They denied me and when I called about it a woman with an international accent refused tried to rush me off the phone. She then further went on to state that my bankruptcy was the one and only reason why they were denying me. 

When I cited the FCRA prohibited her from denying me the woman then stated/insinuated that they were certainly allowed by law to deny me. I then stated that I had multiple credit cards ( all with XXXX balances ) that I could use to purchase the school books. The woman then put me on hold for a bit longer and finally came back. She asked me the same questions that I had answered on the application trying to purposely catch me in a lie. 

I then asked for the woman 's supervisor and she then stated there were no supervisors on the property, that she and only one other coworker were on the building 's property. I suspect some sort of scam is possibly going on, maybe even something fraudulent with people 's personal information. No call center is going to be operational without a supervisor present as I used to work for a call center about twenty years ago. 

When I informed her that I was going to file an official complaint her words were, " you are not going to file a complaint. '' I certainly would like to know how she intended to stop me. The card was going to be used for buying school books and nothing more since they were promising a XXXX dollar credit to the first month 's statement. 

She also did a personal great job of throwing my past credit mistakes in my face, and made no regards of looking at how well I was keeping my current accounts well paid off each and every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wrote a check to pay my charge card bill to XXXX XXXX for {$1900.00} and mailed it in a U XXXX postbox on XX/XX/23. On XX/XX/23 I check my online checking account and noticed the check written to XXXX XXXX was altered to a different payee ( XXXX XXXX XXXX ) and was cashed. I then went to Key Bank to report what happened. The bank XXXX at that time told me he filed a fraud report, and a pending deposit would be made in my account for the total {$1900.00}, pending a fraud investigation. Once the fraud department determined this happen with no fault of mine, the amount would be returned in full to my account. A series of events have happened since which I can explain if needed. Finally on XX/XX/23 the bank XXXX called me and said XXXX is no longer taking any responsibility, and he misunderstood the companies policy on this type of fraud, that the check was cashed at a Bank XXXX XXXX, and if they will not make good on the total of check I am on my own to try and recoup my loss. The case number filed at Key Bank XXXX XXXX department is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: ENCORE CAPITAL GROUP INC.
State: TN
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 was reviewing my credit report and discovered that this company has reported that I owe them a debt I have never received any notice from this company and my rights were violated. I have never entered into a contractual agreement with this company nor have they provided me any goods nor services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 604 A. Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Have been disputing with credit bureaus regarding Public Record ( s ) reflected on my Transunion credit report. 

Federal Tax lien reference # XXXX ( Released XX/XX/XXXX ) Tax Lien reference # XXXX ( Released XX/XX/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 2020-07-18
Company: Mortgage Research Center, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I've reached out to my mortgage company, " Veterans United '' ( VU ) to inquire about who will pay the property tax to the counties, XXXX and XXXX. The response I received was that XXXX XXXX will have to be paid by me, but XXXX XXXX tax will be paid by VU. 
Fast forward 7 months, on XX/XX/XXXX, I get a letter from VU which stated my delinquent property tax payment to XXXX XXXX XXXX {$690.00} ) although this tax should have been paid by VU on the last day of XX/XX/XXXX. Immediately I reached out to VU and asked what happened because as of XX/XX/XXXX, the incurred tax penalty was {$83.00} dollars. To stop penalty from accumulating any further, I had made a payment directly to XXXX XXXX. 
Fast forward another 2 months, on XX/XX/XXXX, I was able to reach a resolution with VU by receiving their agreement to reimburse me the amount of {$83.00}. However, even after a month after the agreement, VU has failed to reimburse me the penalty that I was at no fault of. Every time I call VU, all I get hear back from different service representatives is same talking point that I've been hearing over and over since XX/XX/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 2021-11-28
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: Public record information inaccurate

Complaint:
XX/XX/2015 Is The date the XXXX credit reporting bureaus are falsely reporting a chapter XXXX bankruptcy on my report. I have had fraud with my identity stolen in the past. I have called XXXXXXXX and they have verified no such bankruptcy was filed in my name. I have tried and submitted evidence to all XXXX bureaus and have been informed by the bankruptcy court that they do not verify information for the XXXX credit bureaus so therefore that is false information they are saying had been verified. Thank so much for any help. XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: MO
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 writing to submit a formal complaint regarding the inaccurate information that has been reported on my credit report by Equifax. Despite my previous communication with Equifax on XX/XX/XXXX and XX/XX/XXXX, they have failed to respond or take appropriate action to rectify the errors. I kindly request your assistance in addressing these concerns and ensuring compliance with federal laws and regulations, specifically the Fair Credit Reporting Act ( FCRA ). 
Outlined below are the details of the inaccurate information and the necessary corrections for each account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The above accounts do not belong to me, and I request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05
Company: EQUIFAX, INC.
State: GA
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:
Equifax reports a hard inquiry on my report from XXXX XXXX XXXX XXXX, XXXX.-MT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX on XX/XX/2019 I did not authorize this inquiry. Equifax has not removed this from my report. I have attempted to contact XXXX XXXX XXXX and they say they have no record of this under my name. Multiple attempts with Equifax have not resolved this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im disputing the PAST DUE AMOUNT- Experian report {$5500.00} but XXXX XXXX report {$5500.00} im disputing the inaccurate payment history : Auto now report my first payment was on XX/XX/XXXX, but Experian report I made a payment XX/XX/XXXX Im Disputing Missing notice of dispute on XX/XX/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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2020-07-18
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: Information belongs to someone else

Complaint:
id theft victim these reporting accounts are not mine XXXX XXXX {$51000.00} not mine XXXX   XXXX {$260.00} not mine XXXX  XXXX  XXXX  {$6300.00} not mine XXXX   XXXX, XXXX / XXXX  {$11000.00} not mine XXXX/XXXX  {$4700.00} not mine

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 2023-05-19
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-18
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I filed a dispute on all my credit due to my credit being used unauthorized all my accounts are under review and this company contacted my employer and threatened to continue calling a place of business that doesnt be long to me unless I took care of my account

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 2022-08-05
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX- this account has been disputed before yet these bureaus come back with " accurate ''. This can not be the case since I have my most recent report which shows XXXX showing NO LATES ; XXXX  showing 2 lates on XX/XX/XXXX & XX/XX/XXXX ; XXXX showing lates XX/XX/XXXX & XX/XX/XXXX All three credit bureaus are reporting different information for this account. Since I have disputed the account before and got a generic response back I am demanding the immediate deletion of this account for the credit bureaus failure to do a proper investigation and continuing to report different information regarding the same account.

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 2018-05-10
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 status incorrect

Complaint:
I'm looking to have XXXX XXXX  CREDIT CARD remove any disputed information from my credit report. I am no longer disputing this account ( it still shows the account is in dispute ). Can this company please remove this language from my credit reports? I've asked them time and time to remove them, but to no avail.

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 2018-02-13
Company: JPMORGAN CHASE & CO.
State: TX
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 with my Chase Visa card on XX/XX/XXXX-17 to a  company called XXXX.I paid them XXXX and they never rendered me any service.I know this is outside the billing dispute timeframe but not for services not rendered.I am asking Chase to look into this as I received nothing.The bank should not let these type of companies operate a merchant account.Please help me get my money as i am retired on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 disputed that the date was wrong on my bankruptcy were wrong with XX/XX/XXXX and uploaded paperwork and asked for them to remove said item. They updated the bankruptcy to a different date and it is still wrong. They have not VERIFIED anything at all and is putting false information on my credit report and I want it to be deleted ASAP

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