BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX, {$23000.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX  XXXX, {$160.00} XXXX XXXX XXXX {$110.00} XXXX XXXXXXXX, {$100.00} XXXX XXXX XXXX, {$410.00} XXXX  XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX, {$130.00} XXXX  XXXX bankruptcy discharged 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 non-monetary relief
Consumer complaint received 2017-06-22
Company: Stearns Ventures, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX Stearns Lending ( my home mortgage company, loan number XXXX ) sent me a confirmation email that my regular mortgage payment had been received and processed. I had sent a check in the amount of XXXX to them. The regular mortgage payment was {$970.00} and {$1000.00} was to be applied to the principal balance. The check was sent through the mail along with the payment coupon showing how the payment was to be applied. Stearns Lending cashed the check for only {$970.00}. I sent an email to their loan care department along with a copy of the cancelled check showing that only {$970.00} was taken out of my account. I received an email from them on XXXX XXXX confirming receipt of the email along with a ticket number ( XXXX ) investigating the issue. I did not hear from them again until XXXX XXXX when Stearns sent me an email saying the issue was resolved and the ticket closed. I called them to ask what was the resolution. The agent did not have a resolution in her documentation but said they would go my bank, XXXX, and pull the funds out. I called XXXX and pointed out that the check had not been cashed for the amount written. On XXXX XXXX XXXX debited my account for the additional {$1000.00} and sent the money to Stearns. I kept checking my Stearns account to verify the money had been applied to the principal of my mortgage. On XXXX XXXX when it still had not been applied, I called Stearns. I spoke to agent # XXXX who told me that I needed to get a " transmittal form '' from XXXX to prove that the money had been sent. XXXX tells me that I need to come into the bank in person to get that. I will do so in the next couple of days. In the meantime, the {$1000.00} has not been applied against my principal and my account is accruing interest that it would not be accruing if the principal had been reduced by the amount I paid at the end of 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 2022-06-16
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Consumer Finance, I have contacted I C SYSTEM who is the creditor for XXXX XXXX in the amount of {$3400.00} and asked them to verify if account is mine. 

I have contacted the 3 credit bureaus, as well as IC System, to validate this debt is mine, and they have failed to show proof. 

To this complaint I will attached the letters sent.

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 2022-06-16
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have told them to stop contacting me all communication shoud be thru mail a " cerified letter '' and thee con tinue to call me according to 15 USC 1692 ( d ) DA debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.15 U.S. Code 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2023-03-13
Company: DISCOVER BANK
State: MA
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:
My complaint is with a financial institution and a credit card bureau. 

I am a customer of Discover Card ( phone ) XXXX ) ( address ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX I applied to Discover Card for a credit line extension on XX/XX/2023. I was told by phone that my XXXX credit bureau report has a fraud alert. I was told to call XXXX and have it removed. I stated to Discover card I did not place a fraud alert on my credit report. I called XXXX credit bureau ( phone ) XXXX. XXXX stated by phone they did not place a fraud alert and they have not at anytime place a fraud alert on my credit report. I made 3 phone calls to Dicover Card and 2 phone calls to XXXX. 
This incorrect mistake can be solved with communication between the two companies.

Discover Card said they won't call or contact XXXX solve mistake. 
XXXX stated they will not call or contact Discover Card to solve mistake. 
I would like this mistake resolved and fraud alert removed from my Discovery Card credit line extension application? This has caused a stop on my credit line extension application. Please contact me about solution Thanks-

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My problem is with PAYPAL CREDIT, a subsidiary of PAYPAL ( specifically with a promotion entitled 6 mo free if paid on time ). Here are the relevant facts : My XX/XX/XXXX XX/XX/XXXX Statement DUE XX/XX/XXXX with " Amount to avoid Standard and Deferred Interest {$3300.00} ''. 

I placed a call to PayPal Customer Service on XX/XX/XXXX and specifically inquired if a {$2500.00} refund, which was being processed by PayPal, when cleared, would apply to my PayPal Credit XXXX statement balance of {$3300.00}. I WAS TOLD IT WOULD. 

During that same phone call I was advised that the difference of {$820.00} or more would be required to avoid interest. On the XX/XX/XXXX I made a payment of {$850.00}. 

My {$2500.00} refund sent to my PayPal Credit account was cleared on XX/XX/XXXX. 

On XX/XX/XXXX ( first business day after the XXXX deadline ) I was charged {$390.00} interest. 

My next call revealed the reason behind my dispute/appeal : - The Customer service wrongly told you that the refund would apply to your XXXX Statement ; - Person you spoke with on XX/XX/XXXX was a PayPal Customer Service member, NOT from PayPal Credit Customer service and THEY WERE NOT AUTHORIZED TO MAKE SUCH A CLAIM. 
- Your refund was applied to another promotion instead of your XXXX Statement, so you were charged {$390.00} for non-payment of {$3300.00} in full. 

I sent a FAX to PayPal Credit, demanding review and reversal of the {$390.00} ; I received two emails ( do-not-reply kind ) that a ) acknowledged receipt and b ) stated " Our response, if any, will be reflected in your account balance in 24-48hrs '' ...

One week later I had to call back to find that my appeal for fee reversal was denied, no further communications was deemed necessary.

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 2019-02-04
Company: SYNCHRONY FINANCIAL
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:
There were two XXXX XXXX accounts on my consumer report. I did not recognize one account and I reported it as fraud. The account that I did recognize, I just made a payment on XX/XX/XXXX or XXXX, XXXX. XXXX received the fraud report and closed the account on XX/XX/XXXX, that I just made a payment on. I was not called or received any letters asking me to verify the active account BEFORE it was closed. They could have blocked the account until it was verified, without closing it. I did NOT know that the account I didnt recognize was attached to the active account I just made a payment on. When I discovered this, I called XXXX, explained what happened and claimed full responsibility for the once active account that I opened XX/XX/XXXX. I even faxed documents verifying the account and claiming full responsibility. They even mailed me a letter, stating that theyve concluded their investigation and found that the account is mine and they had verified payments. Still, they have not reopened my account with full access and reissued a new card.

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 2022-10-03
Company: EQUIFAX, INC.
State: PA
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 looking over my XXXX report and noticed 9 inquiries that do not belong to me, I reached out the the companies as well as the credit bureaus to have these matter addressed and rectified. Not a single action has been taken as if identify theft is not a crime and it should be handled as such! Due to these matters my life has been basically put on pause! If I dont have the money I need I cant even apply for any credit due this! I would like for this matter to be addressed as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was approved for a mortgage forbearance, due to XXXX, from XXXX, XXXX through XXXX, XXXX. I sold the property in XXXX, XXXX. In XXXX, XXXX LoanCare reported to XXXX my mortgage as being 120+ days delinquent. I am in contract to purchase another property and this inaccurate delinquency on my XXXX  credit report is preventing me from obtaining a mortgage commitment. LoanCare 's response has been inadequate. I need this issue resolved immediately or I risk my current contract becoming null and void if I do not obtain a mortgage commitment by XX/XX/XXXX. LoanCare should have never reported my previous mortgage as being delinquent.

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 2023-06-14
Company: BARCLAYS BANK DELAWARE
State: FL
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 applied for a JetBlue credit card through Barclays Bank Delaware on 2 recent occasions. Initial application said it required further investigation. I then received a letter asking me for copies of my drivers license and social security card which they requested I mail to them. That is a very unsafe way to send that information. I reapplied a few weeks ago and received another letter stating I was being rejected for : Too many recent applications. My credit score is XXXX and I have a net worth of {>= $1,000,000}. I have no debt. I have over 6 other credit cards and am never delinquent. I wanted the JetBlue card because my daughter lives in XXXX and I fly on Jet Blue from XXXX. I believe I am being discriminated against because of my age ( 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 2021-11-29
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Recently I was notified through a credit reporting agency that my credit score was decreased significantly due to a credit line decrease on my Discover card. I immediately called the company for an explanation, that department was closed. I requested a line increase and was denied. I waited until Monday and spoke to a representative and their supervisor who both told me that my line was decreased due to a recent review of my credit line and I was notified via my preferences selected on my account which are paperless ( email ). I do get all other communications through email and check my email multiple times a day. I was told that to dispute this decrease or ask for a reinstatement I would have had to call back within 30 days of the decrease however I was a couple days short of this and they could not do anything to help me. I asked multiple times where this message was, I did not receive it. It is not in my email, not in my written mail or in my message center on the Discover app. I asked for confirmation that it was sent and they could not provide it. It is a law that I was provided this information, I would have liked to fairly fought for my credit line and my credit score. I was told the best they could do was to resend the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: CT
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 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 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2020-11-02
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: Investigation took more than 30 days

Complaint:
Between XXXX - XXXX I attended XXXX XXXX in XXXX XXXX, Florida. After graduating I began receiving student loan payment mandates. It was confusing because my college was being paid for by XXXX XXXX as I was an employee and any leftover was paid for through applying my G.I. Bill chapter 30 from my military service. I was young and ignorant and began trying to pay the loan I didn't owe from the beginning. I began struggling to repay this loan almost immediately. I have had to request a forbearance at least 10 times over the past 20 years as I can not afford to pay it and XXXX is demanding {$610.00} monthly payment for who knows how long it'll take to repay the loan. Originally, after I graduated, a company called XXXX took on servicing the loan but then sold it to XXXX. XXXX reported that the loan was for {$30000.00} and have been reporting this for over 5 years now as XXXX took over the account XX/XX/XXXX. With interest, XXXX is reporting the loan for over {$65000.00} on my credit report. Twice now, since XXXX I have disputed this with all three credit bureaus, XXXX, Equifax and XXXX. They have all refused to remove this account from my credit reports. They can not be requiring XXXX to prove the {$30000.00} in loan as XXXX can't prove this. The amounts are certainly wrong. I asked the three credit reporting agencies to have XXXX provide copies of loan contracts that I signed both to me and to the credit bureaus. XXXX has not provided me with one lender signed loan contract. I am requesting that you mandate XXXX correct and delete the loan balance and interest balance altogether and have the credit reporting agencies do the same, immediately as this has seriously hampered my ability to acquire credit. If XXXX can not provide you with proof of lender signed loan contracts then this information is incorrect and inaccurate. In XX/XX/XXXX, the IRS took my {$7000.00} refund check and applied it to my XXXX account as a straight principle payment. XXXX, with XXXX stated today ( XX/XX/XXXX ) on the phone that their system is now showing I owed {$50000.00} on principle when they took over on XX/XX/XXXX. As of the today, XXXX, with interest its {$65000.00}. Pay special attention to blocks 13E and 43 in the four loan requests documents as they were NEVER SIGNED by the lending officer with XXXX, the lender. Therefore, I shouldn't owe anything any money to anyone, to include XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting 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:
I sent ChexSystems a letter requesting my full file disclosure as well as my report and in turn they would only send me a score. I provided proof of my identity as well as proof as address as required and they are still not sending me the information I requested and sent me a score that I didn't request.

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 2022-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Recently submitted dispute regarding a transaction that was a scam. Despite providing evidence that the transaction had been paid via another method ( cash ), dispute was denied based on what Capital One suggested was evidence received from the merchant. To date, Capital One has not provided me with the evidence it received from merchant. 

In two separately disputed transactions, for amount due via refund of airport tax and fees for flights that were not flown, Capital One has also denied these disputes despite being the booking agent for one of the flights, and having received sufficient evidence from merchant that the airport tax refund is due and owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Chase Bank allowed  XXXX   XXXX  to open a joint credit card without my authorization on   XXXX   XXXX   XXXX  .  XXXX  and I were never married and he had no authorization to open an account using my name. He has run up a balance of over {$14000.00} and has not made a payment since   XXXX   XXXX  . I only learned of this account when i noticed my  credit score dr opped. When I called Chase, in  XXXX  of this year, they informed me that  XXXX  had opened the account. I informed them that he must of obtained my SS # from custody documents from our children.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.

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