BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion 's skip-tracing product " TLOxp '' has been selling my personal data to a criminal operation running out of XXXX, GA using the pseudonyms " XXXX XXXX XXXX XXXX " XXXX '' and " XXXX ''. 

Transunion refuses allow me to block the sale of my personal data. Transunion refuses to disclose the actual identity of this customer and refuses to disclose all entities they've sold my data to through " TLOxp '' service. Transunion continues to sell updated data to this criminal and perpetuate a 2-year campaign of abuse and 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 2022-03-11
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/XXXX I submitted a complaint to Equifax citing a violation that they made against me against as such : n accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. However during the companies response on XX/XX/XXXX the company made no mention of my exact complaint nor their violation of my rights as stated above. Further failure to acknowledge their violation and my proposed solution within 14 days of this complaint will force me to escalate this problem with the CFPB, XXXX  and the attorney generals office as well as but not limited to other legal actions available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: FinCo Services Inc DBA Current
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XX/XX/2022, someone hacked my bank with Current and they entered their bank credentials to link there account with mine. Then they managed to transfer all of my money which was presently {$400.00} from my account into theirs. I saw that this occurred when I noticed a notification on my phone and when I attempted to get gas and was declined use of my debit card. I filed a dispute with Current and they stated it would take about 10 business days to investigate. Within 1 day they emailed me and said they found NO ERROR. I called and they said yes everything appeared normal. I asked if it was normal to be hacked and have my money stolen, did they find it acceptable and of course they said no. They said they would do further review. It was completed and no change. I requested from them 4 different times a copy of the investigation which they said in an email that I could do. I never received anything. I then contacted XXXX to assist me since they bank proved useless. In a 3 way call XXXX pressed Current to send me a copy of the investigative report which is a law under Federal guidelines for any dispute resolution. Later that day, Current emailed me to notify me they had closed my account after which I was a victim of their institution. As of today I still have not received any assistance from Current or a copy of the investigative report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: BOK FINANCIAL CORP
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX XXXX I was XXXX overseas. Unfortunately when first arriving in country my pay was delayed for several weeks due to an accounting error that was beyond my control. During this time I was unable to make my mortgage payments also due to limited internet and computer access I missed another payment. 
I have notified my mortgage company that I am on XXXX XXXX military status and this had little to no affect. I have been hit with numerous late fees, endless phone calls and they have greatly impacted my credit. The missed payments were out of my control and there 's nothing I could have done to avoid this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian has been called several times and has not completed any investigations. Experian Representatives have stated investigations are complete. Even when stating I have had identity theft and have proven so, by completing a police report and having data from XXXX stating I was included in password leaks and have settled out of court for the damage. Experian has held to neglecting to remove the information from my profile. I have recorded my last conversation to prove the negligence of Experian and now wish to move forward with a full federal law suite , with this being my second step in a Default notice which will also be presented to Experian if this last attempt is not met with Due CARE, By mail. The audio file is with Specialist of the Fraud Department XXXX who would not give any other information or a report number. I am re-attaching the information provided in the last report. numerous data details which are not accurate remain on this profile, and Experian should be held responsible for continuing to maintain inaccurate data after not acknowledging the Affidavits being provided and stating they have not received them. when I am being provided the received receipts. This has been a year battle with EXPERIAN. Every minute spent calling and every effort communicating with Experian will not go without penalty. As a Service Provider and Company Experian should be held responsible for its contract that states it will protect the consumer. It continues to be an issue today. This serves as my direct report to EXPERIAN to provide Due care.

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 2017-11-01
Company: EQUIFAX, INC.
State: FL
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:
Hello Ive recently was notified the my opportunity for employment has been denied because of my equifax credit report. Two fraudulent collections accts from hunter warfield was re inserted on my credit filed after being proven fraud and deleted TWICE and from all other bureaus. These acts was reinserted on XX/XX/XXXX. Equifax has maliciously allowed whomever to continue to harm my well being. I consider my self a pretty savvy consumer and i did the research " '' IT 'S AGAINST THE FCRA TO REINSERTED ANY PRIOR DELETED ITEM WITHOUT NOTIFYING TO CONSUMER 5 DAYS IN ADVANCE '' Ever since the Equifax breach I 've heard things like that was happening via the internet but never in a million years i thought it would happen to me especially after i went through XXXX proving it was n't mine debt. Up until XXXX XXXX, 2015 I stayed with my now divorce wife in our house so how the XXXX i have apartments in my name. I 'M TIRED OF THESE ISSUES I CALLED EQUIFAX AND THEN THEY ALL OF SUDDEN THEY COULD N'T VERIFY WHO I WAS YET THEY JUST REMOVED INQUIRIES AND PERSONAL INFO. SO THEIR CONTRADICTION IS SO SO CLEAR AND DELIBERATE ... THEY KEEP ALLOWING THEM ALSO TO ADD THE FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX link to the bs accts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Complaint against XXXX XXXX XXXX and Medical Revenue Service. 
This debt has been paid in full since 2019. XXXX has enlisted THREE debt collectors now to try to collect a debt that has been paid in full since 2019. I am uploading all of my proof and documentation.

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 2019-08-07
Company: CITIBANK, N.A.
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:
i had the costco XXXX XXXX credit card as a member, when costco decided to switch from XXXX XXXX, as the only credit card they would allow costumers as the payment method, to the XXXX visa card i was switched to it automatically, after about 1 year when the XXXX card expired i got a letter saying that they were closing my account because of delinquency on an old account. i called i asked them why they gave me the credit card for 1 year and that they couldve not gave it to me from the beginning they told me they had the right to cancel my account at any time, but not only they cancelled my account but they kept charging me for late fees and interest i told them that if they were the ones closing my account at least they shoudlve stop charging me late fees and more interest! i need to mention that while my account was active i never missed a payment, never had a late payment and i paid the whole amount at least 3 times, and also they said that they were not giving me the rewards money ( costco cash back rewards ) that i had earned until they closed my account.

so i think they were racially profiling me and discriminating me

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 2017-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Capital One has a grace period for pay your auto loans on time. When I paid my monthly payment for the loan it was within the grace period. The amount was for about {$200.00}, my monthly payment is {$240.00} and some change a month. 

They report to the three credit bureaus that my payment was late, it wa n't late because i paid within the grace period except for {$48.00}. I was short but did n't think I would be hit with a late payment when I did make the payment it was a little short. My balance would carry over not to hit my credit report with a late payment, which dramatically lowered my Credit score by a XXXX points. I 'm trying hard to maintain good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A company called XXXX XXXX XXXX keeps calling my home looking for someone i do not even know. I had explained to them that i had just received a new number from the phone company and that they now had the wrong number for the person they are looking for. The man on the phone called me a liar and they continue to call even after i told them not to call my home, and that they have the wrong number and that no one lives here by that name and that i dont know any person by that name they sill call over and over again!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX and Acct # XXXX XXXX XXXX violated my rights as a consumer under the following Consumer laws 15 U.S. Code 1602 ( J ) Truth in Lending Act my rights has been violated. Deuteronomy 15 The Year for Cancelling Debt account has exceeded the 6 year mark and should be removed from my consumer report, Also 15 U.S. Code 1681 ( B ) Permissible Purpose has been violated. 15 U.S. Code 1692a ( 1-4 ). Inaccurate information across the 3 bureaus are inconsistent and inaccurate which has been detrimental to my character, health and mental state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: CREDIT ACCEPTANCE CORPORATION
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 status incorrect

Complaint:
I have an account with credit acceptance. They have been reporting late payments for YEARS after the account was closed. I've called multiple time to settle the past 6 months and they won't let me pay. I was informed today they sold the dept to the US attorney General for insurance and financial. This has significantly harmed 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 monetary relief
Consumer complaint received 2017-11-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was a valued member of Chase Bank for over ten years. I have excellent credit with a credit score near XXXX. In XXXX, I was out of the country with limited access to internet, and Chase Bank allowed me to spend more than {$1000.00} over my credit limit because I was a " valued member ''. Because I was out of the country, I had no idea, and my monthly interest and " over-the-credit-limit '' fees raised through the roof. It was so high and so out of control by the time I returned home that I repeatedly asked Chase employees if ANY HELPFUL PROGRAMS existed to help pay down the credit card. It was not until I broke down into tears at a Chase branch before someone finally offered me the number to a third party loan-repayment program. This program that I entered shows on my credit report, limiting my opportunities and causing emotional stress, AND it costs me a monthly fee. I have since closed ALL Chase accounts. If Chase bank stopped my card once I reached the LIMIT that I had agreed to and been allowed, this would not be the current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2017-11-01
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a credit card with a statement of possible fraud from XXXX XXXX visa card from Synchrony Bank in XXXX florida. Spoke with fraud department on XXXX/XXXX/XXXX. The card was cancelled and an investigation was opened by the bank. I never opened this credit card and have concern that my private identity was used to open it.

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 2019-08-07
Company: EQUIFAX, INC.
State: TX
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:
It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry was unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, this must be an error with Equifax investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see this inquiry that should be removed : XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ordered a new phone from XXXX XXXX XXXX on XX/XX/2019, but the phone never arrived. I had several phone calls with XXXX XXXX XXXX about this new phone which was supposedly being sent by XXXX. I also had a few lengthy chat sessions with XXXX XXXX XXXX about me NEVER receiving this phone ( see my chat transcript on XX/XX/2019 which I included as an attachment. ) Because the phone never arrived and I was " phone-less '', I was forced to leave XXXX XXXX XXXX and switch to another phone provider. When I left XXXX XXXX XXXX, I paid my final bill in full, with the exception of the new XXXX XXXX XXXX phone because it was never delivered by XXXX and I never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I called chase bank claims department for a transaction that the merchant would not refund. I received the incorrect items at XXXX XXXX and returned them to the restaurant and they would not refund me. Chase stated they dont handle these claims and could not do anything. I have no items and have been charged 91.62 and Chase will not help me. They can not even send me anything in writing that states they do not handle food merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently ordered my credit report from XXXX and noticed that there were a few inquiries that I did n't recognize or authorize : 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, these are the inquiries that are unauthorized and unrecognizable. I called and spoke to a representative and he stated that there was nothing that he could do to help me. I put an fraud alert on my credit report for XXXX and XXXX for reasons like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: PA
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 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX- is suing me for {$730.00}. I attempted to log into their system to settle the debt. The system, would n't even recognize the account. I tried to find an email address to write them. I could not. Only a telephone number with a horrible automated system. 

On my credit report XXXX stated it is a " new '' credit and listed it as " new account '' this should be Illegal. 

I would gladly have been willing to settle with them, 1 ) attempted to contact me under the FCRA 2 ) Had my account accurately in the system 3 ) had an accurate amount of the balance in the card What can a person do, when a company, sue 's as first point of contact and makes it impossible to contact anyone at that company with a paper trail for court documentation? 

Please Please help ... .Every attorney wants more money than this sum and the Company Knows this.This is extortion and bullying tactics. Pay up, we violated the law, we know you ca n't fight this ... .Pay up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Credit Card Receivables Fund Incorporated
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I been sued from Unifund CCR , LLC, .. on very very old debt dated back XXXX total 23 years, after periodically requested the validity of the debt. 
No proof or validation of debt was ever given to me, No proof of authority to collect a debt was ever given to me, No accounting of the debt was ever provided, and No account has ever existed between my self and Unifund CCR , LLC, ... as they claim. 
Attached is a copy of the request letter dated XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation