BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
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 status incorrect

Complaint:
I have religiously paid my Child Support account each month since 2019 and have never been late. I have even made multiple payments in advance so that I don't ever miss a payment. I believe it is because of these over-payments that I have made that have caused it to appear that I was late twice when I was really paid up several months in advance. I have contacted Child Support directly and they have confirmed that I have never been late on my account ( I am currently paid in advance by more than 12 months ). However two late payments still appear on my credit report. Prior to these 2 issues, I had over 800 credit scores. It is not fair to have something as inaccurate like this to affect me for the next 7 years. I have disputed these late payments directly with the credit bureaus but they are still reporting this inaccurate 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 2020-12-07
Company: EQUIFAX, INC.
State: NY
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 updated letters describing the issue. A fair resolution to this issue is to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020, somehow I was removed from a business checking account with JP Morgan Chase Bank, for a business I have and still clearly own 50 % of. I have called multiple times and spoken with customer service, but nobody can seem to assist me in answering my questions : Why was I removed from my own account? How was I removed from my own account that I have verified with Chase as of today, XX/XX/2020, that I am still listed as a 50 % owner? I was advised the only way to do this, would be through a letter on letterhead, stating the business only has one owner. I can not get a straight answer if this is what occurred, but I do know I have been unable to access my own business account for over a month. This is unacceptable and whatever relationship banker responsible, should be held accountable for doing this. This is not only fraudulent and illegal, but has caused me financial harm, due to not having access to my business accounts to pay myself my monthly member draw. I intend to press charges, if fraud is determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: AFNI INC.
State: TX
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:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from AFNI in XX/XX/2018 in the amount of {$1.00}. First and foremost, I have confirmed that the debt collector, AFNI is not licensed in the state of Texas to collect on this debt. Secondly, AFNI violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to AFNI? I have never heard of them, have no written contract with them and have never received any benefits from them, yet AFNI has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
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:
The credit bureaus are still reporting inaccurate items on my credit report after their investigation

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 2022-01-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I do not agree with the company furnishing negative information to Experian. This company is not following federal guidelines. In attempts to injury and coerce payment of the alleged debt they have furnished many negative marks on my consumer report which are affecting my ability to obtain credit. Experian nor any other consumer reporting agency has my written permission to furnish any information without my written permission.

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 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
After filing a CFPB complaint against Transunion for ignoring the request for the method of verification I have received Transunions computer-generated response stating that Transunion they did not send the method of verification because in Transunions opinion, they believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on Transunions part to not send the method of verification, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2020 by certified mail that I questioned the accuracy of a few items on my credit reports. You were advised by me on XX/XX/2020 by certified mail that I wanted the method of verification. Those requests was written by me and mailed by menot a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Additionally there is no law that states a consumer can not use a third party, so using that as your excuse is a moot point. As a matter of fact, Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so outrageous. 

I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. 

Please take notice that this complaint was filed on XX/XX/2020 and is formal notice to you that I am requesting that you continue forward with my original request and send the method of verification The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Also I therefore legally and lawfully refuse your form letter. I am outraged at your accusation and I have fully researched my rights in regard to my credit file. I look forward to your expediting my original request immediately. 

The next step for me after this is to file a law suit for violation of the FCRA

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 2019-02-23
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been using a XXXX  credit card for over 25 years, Paid on time, BUT on XX/XX/2019 I paid Synchrony Bank the company that services the XXXX  card AS I always have {$100.00} for my XXXX Bill!!!!,,,,, BUT they took the {$100.00} and applied it to the XX/XX/2019 bill. 
On XX/XX/XXXX MY XXXX credit card was canceled and Synchrony Bank charged me {$27.00} late fee. And reported me as being late to the credit reporting companies!

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 monetary relief
Consumer complaint received 2019-08-10
Company: Social Finance, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I began an application to consolidate my loan with SoFi. I began the application online. I was almost done with the application when I saw that my exact loan balance was lower than what was being requested by SoFi. I hit the edit button to go edit the balance. It took me back to the screen to edit the loan balance. I typed in the correct balance and hit the " recalculate '' option. It took me to a page saying that my loan application package had been signed and accepted. I never signed nor accepted the package. It said that I was borrowing {$180000.00}. I never requested that amount, I only need {$180000.00}. I called immediately to have the loan edited or application cancelled. They said given the stage this application is in, they can not withdraw it immediately and they were not able to edit the amount. They said that they are working on it. In the meantime, my credit was pulled for a loan that deceptively tried to get me to borrow almost {$3000.00} additional dollars that I do not need, and most certainly do not need to pay interest on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Student loan charged off after 45 days of no payment. Now XXXX XXXX XXXX XXXX XXXX call to collect outside of collection hours. They always call twice, back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: AMERICAN HONDA FINANCE CORP
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
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 status incorrect

Complaint:
I submitted a credit report dispute to verify a collection account on my credit profile with Experian on XX/XX/2019. The original credit was XXXX XXXX XXXX and the collection agency is XXXX XXXX XXXX. Experian allegedly contacted XXXX XXXX XXXX and was able to verify the information by XX/XX/2019. However XXXX XXXX XXXX or Experian has re aged the debt on this collection account to XX/XX/2019 making it appear as a new collection 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 non-monetary relief
Consumer complaint received 2019-08-10
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had a situation where I signed up with a company that do not exist. No address, phone is disconnected, offices that he rented out the landlord stated they have been looking for him for the past 9 months, I even Got police in the different countys to locate the gentleman thats how I discovered the scam. I spent a total of {$850.00} on to separate debit cards. When I called the company a it just disappeared in thin air. So I contacted navy federal and XXXX to dispute the charge. I sent both banks the same information such as the text messages, even the scam report with the companies name and the gentleman that signed the agreement mug shot stating that he creates companies to scam them out their money. XXXX was wonderful with giving me back my money. And assisting me with the fraudulent activity. However navy federal didnt even send in the dispute they denied me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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: Credit inquiries on your report that you don't recognize

Complaint:
unauthorized inquires and accounts reporting on my credit report that are not my accounts

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 2017-08-10
Company: LendUp Loans LLC
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:
This account was very past due for quite sometime due to loss of income. I started making multiple payments per month starting in XXXX 2017 to resolve balance. I disputed the total balance because it was still reporting late and as if I was n't making payments. Company updated saying information was accurate and actually increased the balance due after updating a couple of the posted payments which was incorrect. I then re-disputed with credit bureaus with dates payments were made and amounts. As of XXXX XXXX, 2017 the account was paid in full. Today I received an update to my second dispute as the company stating accurate info ... Open {$550.00} past due as of XXXX 2017 and now 180 days or more past due.

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 2019-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I wasnt sure which options to choose. Long story short, I was in a XXXX XXXX on XX/XX/XXXX. I was in a XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. My wife wasnt able to pay my XX/XX/XXXX payment on my Capital One card, due to not being an authorized user. My wallet/card was also lost during the wreck. Also, the wrong payment amount is showing on the credit report, and it didnt update. We will be moving in XXXX, and we are trying to do anything to fix our credit before then. Both issues are negatively affecting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020. I was looking to buy a specific breed of cat online. I did my research and contacted many sellers and the I found the little kitten that melted my heart. The breeder said I need to make a deposit to reserve the kitten. They had send me an email with shipping informations, instructions and methods. I couldnt wait to bring the little angel home. He told me how loving the kitten is and how lovely I would feel having hers I used Chase QuickPay to send over {$300.00} deposit as the the scammer says thats his preferred method. Once he received the money he stopped providing me information. I started to have a bad feeling and spend the next 5 hours digging for information and I found out that this website XXXX XXXX XXXX registered under XXXX XXXX  XXXX is a fraudulent site they have been reported as scam but havent been shut down. Im emotional broken, I was already getting ready to welcome my kitten home. I tried to look for help and then I found out that Chase Bank uses quick pay with XXXX does not prevent fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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

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 2020-05-20
Company: CARD Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
An account was opened in my name without my consent! I tried to call and see when and where the was the account established and my old address was used to setup. My stimulus check was deposited on the card and spent.I have been avoided every since I brought it to they attention. When I call they transfer me the phone hangs up. I filed a police report to prove my case! The account was closed after me mentioning it but no other compensation was offered.. The account was opened XX/XX/2020. The money was deposited on the card XX/XX/XXXX and taken off by atm shortly after no alerts or anything on this matter! Im extremley devastated please get back with me at your earliest convience!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION SYNCB/CARECR XXXX To whom this may concern, My credit card was recently closed after I recently was asked to make a big payment to higher my limit, as my family is in need of medicine after hearing we have received XXXX. On XX/XX/XXXX, I spoke with a representative that advised if I make a big payment to lower my balances, I could ask for an increase. Because of XXXX and work, I had called in to say I will need a month assistance to catch up on payments. However, within two weeks I canceled the help and assistance and made a lump payment. Its been a stressful time for my family, as we have been in and out of work, school. Its even more stressful when you make arrangements with your bank. Give them your entire pay check, for them to close it during this crucial time. It is upsetting and embarrassing to deal with this especially when I wasnt advised on why they even closed it, even more embarrassing when I went to go pick up my meds and I was declined with NO notice. WHY ME? WHY NOW? I have no late reportings on my bureaus, and you choose to close me? There has to be another issue at hand? 

XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2020-10-23
Company: CITIBANK, N.A.
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 have tried to correct this problem with CITIBANK in regards to a fradulent account that is still on my report. I have contacted them multiple to timesto have this removed. I have filed a police report in the city that i am located in. I dont know why im being held liable for a crime that i did not commit.

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 2021-10-04
Company: CMG MORTGAGE, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with CMG Mortgage. I requested forbearance in XX/XX/XXXX due to COVID. I requested to come out of forbearance in XXXX of XXXX. CMG took until XX/XX/XXXX ( 7 months ) to finally give me a loan modification trial payment plan instead of the 30 days I was told. I started making the trial payments in XX/XX/XXXX for XXXX trial payments for XXXX - XX/XX/XXXX. I made the trial payments and continue to make them. After the 3 trial payments, I was supposed to receive a loan modification within 14 business days of XX/XX/XXXX so XX/XX/XXXX. I finally received the loan modification paperwork at the end of XXXX, sign and mailed it, and CMG received it XX/XX/XXXX. It has been over 30 days and still the loan has not processed and it is still showing delinquent. It is affecting my credit score, my ability to refinance another property, and many other financial impacts. They have held me hostage for over a year financially. Any help would be appreciated.

Company response to consumer: Closed with explanation