BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My issue is with the " XXXX '' web site, which is broken. After submitting all my sensitive information ( i.e., every field is populated ), plus the correct " captcha '' box entry, the form just moves to the top, with no fields highlighted that any information is missing. ( i.e., the " Submit '' button is not working. ) Going to the " Contact Us '' page on this site yields only a snail-mail address at one of the credit bureaus. No phone number to reach a real person ; no email address ; no chat. 

This is yet another case of the credit bureaus making it as difficult as possible for consumers to exercise their rights under the various laws and regulations supposedly governing this industry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hello, I applied for Chase Credit Sapphire Credit Card. I was promised - XXXX joining bonus points as part of the offer but its no honored. I am not getting any clear answer from the credit card company as well. This is purely fooling the customer. Bank Chase never gave receipt of the online application via email and via submitting it on its website. So there is no way i have proof to showcase that i signed up for the offer. This is a clear case of misleading and fooling customer so i can not fight back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Experian Information Solutions Inc.
State: GA
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:
The beginning and current balaces due for XXXX XXXX XXXX are incorrect. The lendor is showing an original loan amount of XXXX. This amount is incorrect. The XXXX is not correct amount loaned at the time of purchase. The amount shown is the base purchase price for the vehicle and not the entire loan amount which included Taxes, Warranties, Insurance and original down payment. Also the current balance shown dies not reflect the correct balance as XX/XX/2019.

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 2019-02-15
Company: EQUIFAX, INC.
State: GA
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:
The beginning and current balaces due for XXXX XXXX XXXX are incorrect. The lendor is showing an original loan amount of XXXX. This amount is incorrect. The XXXX is not correct amount loaned at the time of purchase. The amount shown is the base purchase price for the vehicle and not the entire loan amount which included Taxes, Warranties, Insurance and original down payment. Also the current balance shown dies not reflect the correct balance as XXXX XXXX2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The first letter XX/XX/XXXX i disputed letter to buckeye credit solutions XX/XX/XXXX two days after they eft {$180.00} from XXXX  acct. Prior to 30 days just wanted to state this company Checks mart & Buckeye credit solutions clearly violated FDCPA laws pertaining to disputes and the 30 day window was not honored there is no valid response? 
# XXXX XXXX XXXX Mon, XX/XX/XXXX XXXX XXXX   XXXX  understands and acknowledges your concerns. The Ohio Attorney General sent your complaint to XXXX  of XXXX Ohio because Community Choice Financial is an accredited business with XXXX  of XXXX Ohio. 

If you would prefer that a government agency handle your complaint, as the issue appears to involve alleged violation of Fair Debt Collection Practices Act, you can ask XXXX  to refer the complaint back to the Ohio Attorney General 's office. 

Or you can continue with XXXX  processing, in which XXXX   provides the accredited business the opportunity to addess the complaint issues. 

In either instance, you may also wish to contact the Federal Trade Commission ( FTC ) as they are the governing body with jurisdiction and enforcement of complying with regulations in place regarding the Fair Debt Collection Practices Act ) FDCPA ) XXXX  appreciates your time and understanding. 

Regards, XXXX XXXX XXXX  of XXXX Ohio XXXX XXXX Mon, XX/XX/XXXX XXXXXXXX XXXX That is why I started with XXXX XXXX atty general XXXX XXXX As soon as XXXX   has received the business response, we will forward it to you for your review. 

Please understand that XXXX  is not a government agency nor do we have enforcement powers over regulations of Fair Debt Collections Practices Act ( FDCPA ) ttps : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text If you have concners regarding compliance with FDCPA, you may want to contact the Federal Trade Commission . Below is their contact information : https : //www.ftccomplaintassistant.gov/ https : //www.consumer.ftc.gov/articles/debt-collection-faqs XXXX, XXXX XXXX XXXX of XXXX Ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today is XX/XX/2020. On XX/XX/2020, I spent the entire day getting my credit report unfrozen at all 3 credit bureaus. I managed the unfreezes so that my credit report would be unfrozen until XX/XX/2020. What's going on is that I am trying to refinance a car loan. For my car loan, my current interest rate, from the car dealership, is above 17 %. Yesterday, XX/XX/XXXX, a potential lender told me that my TransUnion credit report is frozen. I then went online and saw that my TransUnion credit report claimed to be unfrozen. I texted back to the potential lender saying there must be a problem with TransUnion 's software, since from my end my credit report is unfrozen and there's nothing else I can do about it. It seems to take about hour to login to TransUnion, since they initially claim my username & password aren't correct, always. Today, XX/XX/XXXX, when I login, I am unable to see my TransUnion credit report. Also, the lender texted back saying my credit report is still frozen. The problem is that TransUnion is not unfreezing my credit report. What is going on is that lenders can not get a copy of my unfrozen credit report. TransUnion is refusing to allow potential lenders to see my credit report. I am in a rush to refinance my car loan as soon as possible, and TransUnion won't allow lenders to see 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 explanation
Consumer complaint received 2019-02-15
Company: Riverwalk Financial Corporation
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: Problem with personal statement of dispute

Complaint:
I have a collection agency trying to collect on a debt that I was never in contract with them on. I have shown numerous times I never had a contract with this company and the credit agencies removed it for over a year and then all of the sudden have deemed it legit added it back and did not let me know until I found it was showing up again on my credit report XX/XX/19. If notification wasn't sent to me as to their findings 30 days after my dispute was filed over a year or two ago and this was removed for awhile how can they put it back on and not allow me to dispute again. If I don't have a contract signed with XXXX XXXX then they need to remove this from my credit report IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: CITIBANK, N.A.
State: GA
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:
There is a credit inquiry within my report for CNBA. I have never applied for credit with this lendor. I ask that the issue is investigated and the item removed from file.

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 2019-02-15
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The Social Security Office mistakenly marked me as deceased in XX/XX/2018. ( I am not in fact dead. ) I went to the local Social Security Office in XX/XX/2018 ( when I was notified about the issue ) and got my status fixed. However, Discover Card refused to remove my 'deceased ' remark from my account without a formal letter from the Social Security Office . I actually asked the Social Security officials about it when I was there and they told me that they do not send letters ( specifically to companies about notifying them that I am alive. ) Discover Card was adamant about keeping me 'deceased ' on their records, and out of frustration, I gave up on dealing with them. I paid off the remaining balance on the credit card ( though I am pretty sure that I did not actually need to since they have me as 'deceased '. Who has heard of a dead person paying off bills? ) Discover Card said that they had me as deceased and the account closed. 

Fast forward to this year, I started noticing negative remarks on my credit score reports due to this Discover account. Apparently, since I am deceased in their records, my account is now 'delinquent '. This has wrecked havoc. I contacted the Discover Card office today they were still adamant about needing to receive a letter from the Social Security Office reiterating that I am not deceased. Clearly, once again, I am not dead. I even paid of my outstanding balance last year yet I still have this account as 'delinquent ' on my credit score reports. 

Discover has been the only bank that I have had such issues with regarding the Social Security Office error. When this happened to me with my other banks, I had those issues resolved relatively quickly and with no need of a 'letter from the Social Security Office '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: Synovus Bank
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2021 I contacted First Progress in an attempt resolve my issue concerning the inability to access my online account. After over 3 calls to their customer service reps, who were ALL very rude and discourteous, I was repeatedly told to " follow the steps ''. 

I tried accessing my account using the " Create A New Account '' option I was instructed to use SEVERAL times. Each time I received the same outcome - not being able to access my online account. 

All I want is to do is to be able to access my online account and this company REFUSES to assist me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: KEYCORP
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My name is XXXX XXXX and I have an auto loan with Key Bank. In the month of XXXX I applied for skipping a payment because I lost my job and I was going through financial tough time. They approved me for that month so I did n't make any payment. Next month they 're start making hundreds of harassing phone calls from the collection department that I missed a payment. I suppose to have a skipped payment for that month they said I never sing the latter. I never get any latter from them and I told them to resend me the latter again but never get that latter from them. Now they 're reporting it to my credit bureau and it 's really hurting my credit. Also I 'm worried about they are going to reposition my car. So tried to work with them about that issue and they refused to help about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Prosper Marketplace, Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My name is XXXX XXXX, and my grievance is with the following : XXXX  credit reporting agency, XXXX XXXX is the representative from XXXX moreover they've move my credit file to some department they reference as their Special Services Department, XXXX XXXX  Representative XXXX XXXX has been extremely rude, furthermore he has been exhausting and very difficult to deal with ; I've complained about the unauthorized hard credit inquiries listed on my credit report, XXXX XXXX has refuse to take my dispute for the hard inquires, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX The next issue is Prosper Marketplace LLC, They've have reported a settled account using totally different verbiage than originally agreed to ; they agreed prior to the me paying, that they'd add the following statement to my credit report '' Prosper shall consider the Borrower 's account to be settled, and shall notify the credit reporting agencies that it reports to that Borrower 's has been settled in full. They've reported something completely different '' Legally paid in full for less than the balance and caused my credit score to drop more than XXXX points, this has adversely effected my credit standing, for the next 7 years. They should immediately correct the language, more Prosper Loans also stated that this would not negatively impact my credit report, they've made false promises to get me to pay in advance. the original loan was for {$15000.00} and they collected initially {$500.00} for themselves, I've paid out over {$20000.00} on this loan, do to Covid 19 they offered a settlement directly, moreover more importantly, they said it would not impact my credit reporting, as long as I paid the agreed amount with in a certain time period.

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 2019-02-15
Company: EQUIFAX, INC.
State: GA
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:
There is a credit inquiry within my report for XXXX. I have never applied for credit with this lendor. I ask that the issue is investigated and the item removed from file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX at XXXX ; XXXX XXXX PST case number XXXX XXXX XXXX XXXX, XXXX, XXXX for XXXX XXXX  XXXX XXXX, XXXX Mortgage Pass Through Certificates. U > S > Bankruptcy Court District of Oregon sited ( No Proof of Claim Filed. 

On XXXX XXXX XXXX the property listed at XXXX XXXX. XXXX XXXX, XXXX, Or XXXX was sold by XXXX County Sheriff 's.

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 2018-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
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 SENT THEM A DEBT VALIDATION LETTER ON XX/XX/2018. THEY ARE UNABLE TO HARD COPY PROOF VALIDATE THE DEBT.

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 2018-03-25
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had a business checking account with First Citizens Bank for only a little over 2 months and since opening I have been penalized with overdraft fee a total of 59 times for the amount of {$2100.00}. The reason for this is that it seems that when processing occurs at the end of each business day any and all debits are processed before and credits no matter what time the credits or debits were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: TekCollect Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2018, I answered my company 's phone and was immediately talked to in a ugly manner. I stated that my AP manager was at the post office and my CEO was in a closed door meeting. He stated " woman get out of your chair and go open the door ''. He then proceeded to threaten to sue me personally and have papers served on me. I asked for his information ( name, number and the spelling of his company name ). He refused to give this information to me. I let him know that I would be able to help him without this information. I hang up the phone and he immediately called back. My AP Manager just walked back in to the office and was able to answer the phone. He told my AP that he was planning on suing me again. 

TekCollect XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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: Information belongs to someone else

Complaint:
This letter is in regards to some misinformation reported currently on my credit reports. I would like these items deleted immediately. I have a fraud alert on all my accounts so i dont understand why or how this is still happening. i am a victim of identity theft and i have asked these credit agencies to delete these items and they are still there. i have enclosed a copy of my identity theft affidavit. please delete these as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX are reporting inaccurate information on my credit report from XXXX XXXX, account number XXXX. I have not only requested for the obsolete account to be remove but I have also requested on several occasions for both credit bureaus to provide me the format in which they disputed and who verified the information from XXXX XXXXXXXX as I know this information is inaccurate as well as they are reporting incorrect payment history, This account has been closed for several years and is eligible for deletion but yet Experian and XXXX has yet to removed from my credit files.

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 2018-08-29
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XXXX of XXXX XXXX Louisiana had a flood and at the time I was employed at a car dealership the flood made it difficult to sale cars and I got in a bind with paying my mortgage. I reached out to freedom Mortgage to see what could be done to help with the situation and they asked all about the flood and whether or not i was affected by it. I answered all the questions and was given the opportunity to take a forbearance on the loan. It was explained to me that for 3 months I would have no payments due but would still acquire interest. The 3 payments would be put on the back end of the loan and I would assume regular payments at the end of that. At the end of the 3 months freedom mortgage told me the I had to pay all 3 of the months at the moment. I have been trying to get this fixed for over a year now and its making it very hard to catch up on my payments with late fees and all. please look into this all I'm asking for is to be allowed to opportunity to catch up like they told me I would be able to.

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