BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There are several accounts reporting incorrectly and there are accounts that are reporting as a result of identity theft. Please correct the following inaccurate status and remove the following fraud accounts : Incorrect Personal Information : Names : XXXX ( TU ) Names : XXXX XXXX XXXX ( XXXX  ) ; the correct is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX ( XXXX, TU, XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX, TU, XXXX  ) The following status is inaccurate on the following accounts : XXXX - Opened XX/XX/XXXX Balance : {$15000.00} I was never 90 or 120 days late XXXX - Opened XX/XX/XXXX Balance : {$0.00}. I was never 30 days late. 

The following accounts are a result of identity theft/fraud : XXXX XXXX  - Opened XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  ) Bal : {$2800.00} XXXX ( XXXX XXXX ) - XX/XX/XXXX Bal : {$2900.00} ( TU ) XXXX  ( XXXX XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX Bal. {$110.00} ( TU ) XXXX - Date Opened : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  ) Bal : {$3500.00} XXXX ( XXXX  ) Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX ) Bal : {$120.00} XXXX - Date Open : XX/XX/XXXX ( TU ) and XX/XX/XXXX ( XXXX  ) Bal : {$260.00} XXXX - Date Open : XX/XX/XXXX ( TU ) XX/XX/XXXX ( XXXX  and XXXX ) Bal : {$810.00} XXXX - Date Open : XX/XX/XXXX ( TU ) XX/XX/XXXX ( XXXX ) Bal : {$160.00} XXXX XXXX - Date Open : XX/XX/XXXX ( TU ) XX/XX/XXXX ( XXXX  ) Bal : {$120.00} UNKNOWN - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$100.00} UNKNOWN - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$360.00} XXXX  - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  and XXXX ) BAL : {$1200.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$3500.00} XXXX  XXXX - Date Open : XX/XX/XXXX ( TU XXXX & XX/XX/XXXX XXXX Experian XXXX BAL : {$0.00} XXXX BANK - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  & XXXX  ) BAL : {$810.00} XXXX - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  and XXXX  ) BAL : {$2300.00} XXXX - Date Open : XX/XX/XXXX ( TU XXXX & XX/XX/XXXX ( XXXX and XXXX  ) BAL : {$1000.00} XXXX - Date Open : XX/XX/XXXX ( TU XXXX & XX/XX/XXXX ( XXXX   and XXXX  ) BAL : {$0.00} XXXX  - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  and XXXX ) BAL : {$1700.00} XXXX  - Date Open : XX/XX/XXXX ( TU ) BAL : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX ( 6 TIMES ) XXXX XXXX XXXX 2 TIMES )

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 2018-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 am writing today in hopes to gain your help. Presently I am working on examining my credit, paying down my balances, and pursuing better credit worthiness. 
You play a significant part in this procedure. 
I am inquiring about the account number referenced in this complaint. 

I see you have reported me 30 days late several times to the credit agency ( XXXX, XXXX and XXXX ) and I am writing this in order to get this remark took back. I had believe I had made all my payments on time, and if i remember correctly capital one closed my bank account that i used to make my payments to this account and i was enrolled in auto-pay and since my account was closed the payment was not processed, i am not sure about this but i know that i am usually enrolled in auto pay or i make my payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: AMERICAN EXPRESS COMPANY
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 to Amex personal and business with a solid credit score they advised me I was approved and when I got into deeper conversation about what I do to help XXXX rights she put me on hold and declined the applications on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian failed to positively verify the accounts and has hurt my ability to obtain credit. I did not have a contractual obligation to pay the accounts balances, they are not mine..Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed 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 2020-06-23
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I filed Chapter XXXX Bankruptcy. The Bankruptcy Court released my home from the Chapter XXXX on XX/XX/XXXX. In XX/XX/XXXX, I noted a 30-day past due notice on my payment for XX/XX/XXXX. In contacting Freedom Mortgage, they refused to speak with me, advising that they needed a note from my attorney -- despite knowing that the home was removed from the bankruptcy. My credit reports are showing 6 months of delinquency AND the monthly payment amounts are not correct. Even the credit reporting by Freedom Mortgage indicates that the home was removed. I have NEVER missed a payment. What and where are my rights. AND, this is NOT the first time that Freedom Mortgage has been negligent in their responsibilities. This difference this time is that I have no recourse except filing through this venue and filing a lawsuit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: Cheadle Law Firm
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The previous response from this company is an outright lie, which is what you would expect from this law firm. 

Here is what they stated in their response : The initial court date was more than 60 days from the initial notice. The borrower is also wrong in his claim above that the Fair Credit Reporting Act applies. Our firm does not report to Credit Bureaus, and has not regarding this borrower. 

The very FIRST communication I had with this law firm was XX/XX/XXXX and they filed a court case WELL UNDER 30 DAYS THAT THEIR LETTER LEGALLY OBLIGATED. This law firm response stated that I pasted above says the court date was more than 60 days. THIS IS A FLAT OUT LIE. It was well under 30 days from the FIRST COMMUNICATION I EVEN HAD WITH THIS LAW FIRM. XX/XX/XXXX XXXX to XX/XX/XXXX the date of the lawsuit is WELL UNDER THE 30 DAYS THEY PROMISED ME IN THIS, THEIR VERY FIRST LETTER TO ME. I didn't even receive this letter until XX/XX/XXXX, probably this law firm HELD the letter as shady and unethical as they are, in order for me to have less time to respond. 

CFPB, DO SOMETHING ABOUT THESE SHADY LAW FIRM AND HELP ME RESOLVE THIS LIKE YOU ARE SUPPOSED TO DO. 

THEIR RESPONSE WAS A FLAT OUT LIE. I have a paper trail to prove their shady practices and I will continue to fight them, including with the Attorney General of Tennessee as well as the XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
The amount is XXXX. They have been illegally taking benefits for the last 6 weeks to pay for a negative charge that I've proven beyond a reasonable doubt is invalid. Even have the other party saying they were trying to refund it. The dispute has been opened for more than 90 days and still no resolution. The investigation team is the poorest excuse for human beings ive ever encountered. This company should not be in business.

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 2018-11-05
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of my credit report and there is an account in collections from a company named XXXX XXXX XXXX I have never applied for any type of loan with this company nor have I ever applied for enrollment with a school with this name. This is not mine! I have disputed it twice with Equifax and they still haven't removed it. They are the only agency reporting this false account. They don't even report a collection company name only that it is collections. How could they even verify if they don't have a name on the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an account take over with my comenity bank/ XXXX  account. So when the investigation was over with a new card was sent out and the lady said my account payment history would be updated since there were fraud which at the time I hadnt even used the card at that point and I called back to the security department and the lady stated she had nothing to do with the credit reporting and that she would send a email. Ive called several times this year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
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:
USAA SVG BK XXXX this account doesn't belong to me. FRAUD. 

XXXX XXXX XXXX It's fraud account, should be removed from my report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TransUnion has beeb reporting alleged accounts on my consumer report without my permission. I never gave written permission for them to do so and they have violated my rights as a consumer pursuant to 15 USC 1681b congress has said. I've attached the affidavit of truth.

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 2021-10-14
Company: Happy Money, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for and received a Payoff loan in XX/XX/XXXX in the amount of {$34000.00} ( after financing fee ). I made regular monthly payments of {$1100.00} until XX/XX/XXXX when the global pandemic happened, at which time I suffered a financial hardship and was unable to make payments. My principal balance at this time was {$19000.00}. I contacted Payoff and was granted a skip payment so I would not be responsible for paying the loan nor getting further under water with accruing interest. After a few months of skip payments, I pursued a loan modification that reduced my payment to {$25.00} for three months ( XXXX - XX/XX/XXXX ). When I made that payment in XX/XX/XXXX, my new principal balance was {$19000.00}, {$25.00} less than what it was nine months earlier. I still was not in a position to resume payments of more than {$1100.00} per month so I then went through a several month process of modifying the loan to reduce the payment to {$820.00} by extending the maturity date. This occurred in XX/XX/XXXX. I then resumed monthly payments of {$820.00} in XXXX and eventually noticed that my XXXX, XXXX, and XXXX payments totaling {$2400.00} weren't lowering my principal so I reached out to Payoff and they told me that my payments were going solely to " accrued interest. '' This is the core issue. Never was it disclosed to me that interest would be accruing when I began the skip payments and loan modifications. Never was it disclosed to me how much interest was accruing and that my resumed payments would go solely to said interest. I still have seen no accounting nor statements detailing such accrued interest and I find it odd that the amount of accrued interest is conveniently the total of 3 of my monthly payments. This feels like robbery to me. My Truth in Lending document states that the cost of my credit for this loan was to be {$6100.00} and I've already paid them more than {$6700.00} in interest to date. I believe they incorrectly and illegally charged me interest when they said I would not be subject to interest, they never disclosed any information to me via statements or through my customer portal, and despite my attempts to resolve the issue directly, they will not take any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Impac Mortgage dba XXXX XXXX is my lender and servicing company. Over the last 6 months I've had to call and fight with them about a late fee that they hit me with. I have a grace period through the XXXX of each month. I make sure that the payment is in the mail like last month was on the XXXX. The address that I send my payment to is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
I live in XXXX, CA and have a father in law that lives in XXXX XXXX. We send him mail on a regular basis and never has ever taken more than 4 days for delivery. I have an Insurance co in XXXX XXXX that I mail payments to and it never takes more that 4 days to deliver, but for some reason Impac Mortgage takes 10 days. I then end up with a late fee that I have to fight about. So XX/XX/XXXX I mail the payment and it was not processed until XX/XX/XXXX. I feel this a way for them fleece their customers. 
I will be moving this to an online payment so to avoid this in the future but It just grinds on me that they do this and then I have waste my time fighting with them. 
thanks XXXX XXXX XXXX, CA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: AMERICAN EXPRESS COMPANY
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:
I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02
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:
The credit card company closed my dispute without giving me an opportunity to respond to the merchants feedback on my dispute. 

I have also been attempting to open another dispute, and have been unable to reach anyone at Chase customer service for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Rent Recovery Solutions
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX  failed to give a written statement as to what the charges are for in the amount of {$8800.00}. I was released from my lease due to a XXXX XXXX situation I I was no longer safe with my children on the property. I was in agreement with the manager on property after a 3 way call with a judge as I received notice for eviction. I agreed to surrender the unit to avoid fees as well as an eviction. The amount owed has tremendously affected myself and children in getting a home or place to at this difficult time has paced a tremendous hardship and will leave us homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2021-08-13
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Due to the Pandemic I am still on unemployment. I had a automatic payment for {$45.00} which overdrew my account. The bank has charged a fee of {$36.00}. This fee will also cause other overdrafts to occur AND there will be another fee of extended overdraft since I will not be able to bring my account to a positive until my next unemployment deposit on XX/XX/XXXX. 
Transaction. XX/XX/XXXX Posted. XX/XX/XXXX Fee Amount. {$36.00} XXXX XXXX {$45.00}. 
Associated Transaction Amount Description OVERDRAFT ITEM FEE FOR ITEM {$45.00} XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I viewed my credit report and Sallie Mae is reporting on my credit report for the year XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX which I requested them to removed from my credit file and the customer service representative name XXXX employee number : XXXX. Stated that that's up to XXXX, XXXX, and XXXX  to remove after 7 years. I requested validation with evidence bearing my signature by fax. This company has a number of 6 different items reporting on my file from years XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recenlty checked my credit report and noticed several fraud accounts. XXXX is a fraud account. I have called this company to report fraud and no actions has been taken,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Experian Information Solutions 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:
I have requested proof of the debt within 30 days and received no response and in addition the alleged debt is over 10 years old and they failed to remove the items from my credit report even though my wages has been garnished for over 10 years and no missed garnishments. THIS IS FRAUD

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 2020-09-25
Company: Southern Management Systems Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2020, I've sent ( via USPS ) a certified letter to all 3 credit bureaus regarding a derogatory mark on my credit report. I'am exercising my right under ; Debt Validation pursuant the Fair Credit Reporting Act, 609 - Disclosure to consumer [ 15 U.S.C. 1681g ] and 611 - Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ... ...

Im challenging the validity of this negative mark is due to the fact that I do not acknowledge the amount reported of {$2300.00} and it's solely an attempt to collect a wrongful amount. Also, I requested proof of ownership from the collection agency of this account for which they had failed to grant me this legal right as the consumer. Upon reinvestigation of my credit file, it never did remedy the error in question.

PLEASE NOTE : This is the type of request I wrote. However, the responses to my credit report investigation was very unsatisfactory as it did not seem to uphold any legalities base on the FCRA rules and guidelines.. PLEASE ASSIST and REINVESTIGATE..

Thank you very much,

Company response to consumer: Closed with explanation