BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 inquiries I was trying to dispute with the creditor and Transunion. Because some of the inquiries were done without my permission Transunion refused to dispute my issue. 

inquiries that should be removed 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 2020-12-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
JCP Credit card was opened fraudulently using my personal information, This was not authorized by me.

See attached FTC affidavit of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Over the last 3 months I have attempted to secure a personal loan primarily applying online. I have been denied due to excess delinquencies. I believed the responses were an over exaggeration of my credit, as I only have one outstanding debt. On Monday, XX/XX/2018, I once again attempted to secure a personal loan with XXXX   XXXX XXXX XXXX, via telephone and during the the application process I was asked to explain why a number of my accounts were in collections. I currently have one outstanding collection account that I have been attempting to settle. No other active account is currently nor have they been in the past in collections. Technically, I have one account that can be considered delinquent. I checked on my XXXX  account, that is who XXXX XXXX used, so as to dispute any accounts showing errors and there is only one account showing up in collections. The error can not be with the creditor 's. If the creditors were reporting misinformation the credit bureau would be showing that information and it is not. Therefore, the information being transmitted to potential creditors is where the problem lies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notice from tis company that I owed them money I have never done business with them. I requested they validate the debt, they send back a transaction sheet, which does not show me any services rendered or what I am supposedly being billed for. The personal information they sent back did not match mine. I sent them another letter after this advising of such and they have now started reporting on my credit. They did not update the account as in dispute nor have they sent me a proper validation of this debt, and that they are contracted by who I supposedly owe this debt too. Per their XXXX   reviews I see this is a common violation for them. I have kept all documents as well as my certified mail receipts showing they have received my letters and ignored them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a grant from the XXXX XXXX XXXX for the Covid-19 Disaster Relief on XX/XX/XXXX. I went into the Chase Bank in XXXX, CA and asked to withdraw some of my funds. I feel the teller discriminated against me because I am XXXX XXXX. The teller called someone for verification, called management, said needed to get more bills, and whatever else she could do to stalled completing the transaction for over 15 minutes. From my knowledge I do not have a daily withdrawal amount so I'm not sure why this transaction would be any different. I don't know why this teller chose to harassed me besides that I'm XXXX XXXX. I have been banking with JP Morgan Chase for over 5 plus years. I've never had an issue with banking here. The following day XX/XX/XXXX I was told Chase was going to close my account and send the grant back to XXXX along with another pending transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I first contacted XXXX XXXX on XX/XX/22 and provided the following message : We are contacting you regarding the above mentioned loan and an error that occurred with our XXXX loan payment. The payment was returned in error by our bank, XXXX, and therefore caused our payment to be reported as 30 days late to the credit reporting agencies. We've obtained an official letter from our bank acknowledging this error. Please see the attached. We are requesting that based upon this acknowledgement, that you retract the notification to the credit reporting agencies that our payment was 30 days late. 

I received the following message back from XXXX XXXX  on XX/XX/22 : Subject : XXXX : Regarding Loan XXXX Dear XXXX and XXXX XXXX : Thank you for contacting us about your account. At XXXX XXXX, it is our objective to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) when we furnish information about a consumer to a consumer reporting agency. Therefore, our commitment is to research all actual disputes submitted to us to ensure that we are reporting accurate information to the consumer reporting agencies. 



After receiving your dispute, we have reviewed your account information to verify the accuracy of the information on your credit file. As a result of our investigation, we submitted an update to the consumer reporting agencies to which we report to update your account as current with no delinquencies. Please allow up to 3 business days to view the updated information on your credit file. Please see attached response letter for your records. 



If you have any questions regarding this issue, please contact us at XXXX. 



Thank you, Credit Bureau Update XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Celebrating 33 Years in Business My credit report was updated after the letter was provided, however, the credit companies went back to reporting the late XXXX payment. I've submitted disputes, but XXXX XXXX continues to inform the credit companies that the XXXX payment was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: ProCollect, 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 or suggested your credit would be damaged

Complaint:
I contacted ProCollect to let them know that I will be making payments through a third party company that will pay them monthly until the acct is paid in full. The representative accused me of refusing to make a payment. I been making partial payment for three months now.

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 2021-03-25
Company: Waterfall Revenue Group
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received an alert from all three credit bureaus which are XXXX, XXXX  & XXXX  stating that i owe a debt to them which is false information. I have no knowledge of this debt and tried to contact this company by sending certified letter to Waterfall Revenue Grou XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, NJ. And have not received any response from them. It's my right to protect my credit from people like this. I would like them to prove that i owe this debt and if they can't i need it to be removed from my credit immediately. I pride myself on paying my bills on time this is hurting my credit. They are also listed on my credit as ; WATERFALL REVENUE GROUP & A-1 Collection Service.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have two federal loans for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The loans are in default but they should be discharged due to XXXX closing, filing for bankruptcy in addition to the fact that I had to withdraw from classes because I needed XXXX XXXX XXXX. I submitted this information to the Department of Education XX/XX/2019 and was notified via email they received the information and there was a lawsuit pending against the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I Had my work checked set up to be deposited into my cash app and its say it has been deposited but its not becoming available when I tried to contract through XXXX they blocked all comments from being posted and when I called the customer service they said they have no representatives and I would just have to wait for an email I never received my check was {$860.00} from XXXX and its has just been taken away from me by Cash app this happened on Wednesday, XXXX, XXXX, 2020 and I still havent even been reached out too

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX XXXX ... XXXX have a car in my possession that's listed as a charge off on my credit since XX/XX/2020, they repoed it once and ended up giving it back once they realized that I was under a payment agreement/deferment and it should of never been repossessed however at that time they required me to pay like XXXX to XXXX payments desperate to keep vehicle I paided the large lump sum requested despite that being amount I really owed ar that time and then they stated account would stay as a charge off, since recovery I called the company several times in 2020 and each time the representatives would state they could not find any account for me via name, ss number or anything. Fast forward a year and half later i just received a phone call from them stating car out for repossession ( despite that car requires a transmission currently which I haven't been able to afford yet ) I explained to rep this was ludicrous to get a phone call out of the blue where I haven't got one form of communication since I regained possession of car nor was I given any information for payments or nothing. I stated I called them numerous times yet they stated they haven't received no calls in the colatorol department, They were very rude and stated car being repossessed and demanded I needed to pay around XXXX on a XXXX balance or try to refinance car ( credit score been took a major hit during XXXX and the complications I had trying to recover from a serious episode XXXX of XXXX  XXXX ) I really don't understand their practice or lack of care, like where can I just pull XXXX our of the air, the vehicle been parked due to transmission costing over XXXX and the economy is/was messed up. I just recently got out hospital again with complications to XXXX, suppose to be resting yet I received this call that made me completely stressed out for I was preparing to get back on track and fix vehicle so I can gain employment and financial stability, my credit has took a major hit. Like this has made me sick to my stomach I have wrote XXXX and XXXX  financial services on XXXX before and again they stated could not locate a account for me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: SYNCHRONY FINANCIAL
State: WA
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:
On XX/XX/2020, i entered into an agreement with Synchrony Bank/Care Credit account. I spoke with XXXX. I agreed to pay my collection in full, ONLY if they were willing to contact the reporting agencies Immediately and report if Paid and Closed. Both agreed and paid in full, confirmation # XXXX. I now can not move forward with the purchase of my home due to their neglect to hold up their end of the agreement. I called several times today, only to be told, it takes 21 to 30 days. I asked to speak to a manager. Then i asked again for a manager or district manager, and was transfered to a District Manager, and was on hold over 30 minutes. After tiring, i hung up and called back. Then was told there was no such thing as District Manager. They have now lied to me once again. They state our conversations are on a recorded line. I request those transcript be obtained if needed. I have Verbal Authorization on my Care Credit acct to disclose any information to the credit reporting bureaus, which only is valid for 24 hrs and the bureaus told Care Credit to call them. So, i am being told back and forth. Each saying the other should call them. I ask they just hold up their end of the agreement please. I can not wait 21 to 30 days. Our agreement was immediately. 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 non-monetary relief
Consumer complaint received 2020-10-15
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: Information belongs to someone else

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect. 
Removal of all incorrect or outdated personal information being reported on my credit file.Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated 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 2018-04-01
Company: KEYCORP
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm a Survivor of XXXX XXXX which ended after 17 years and also my entire life ended when my husband came over and XXXX me under a PFA and made me completely XXXX XXXX   and XXXX XXXXXXXX my entire life changed within 5 minutes and due to that fact I had to wait a year and a half just to get XXXX and live off credit cards for me and my children child support took one year to receive as well and I had no money coming in. We have a home equity line of credit with Key Bank their address is XXXX XXXX XXXX XXXX Ohio XXXX and they do have a phone number here XXXX. My husband under a court order through XXXX XXXX received a credit of {$550.00} every month to pay the home equity line of credit at KeyBank. He continuously paid it late which affected my credit as far as the score and I am now having major difficulties finding anybody that will refinance me. Under the marital Separation agreement and property separate under the marital property agreement I am to refinance {$25000.00} of the home equity line of credit on to my house and my ex-husband must refinance the balance of that loan on to his house. I have been turned down by almost every mortgage company due to my score and due to his late payments. I have offered Court documentation showing that he was fully responsible for making the payments but they all say because it's affecting my score to and which brought it down drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Premier Holdings
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/16-I have been threatened with court and other such threats by premier holdings llc. When I requested written documentation of this date they became hostile and refused. My husband then decided to call and they told him my private medial information without verifying he was who he said he was. This was the second time they have called me and threatened me and I can not find any information online for this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, 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:
Please find my complaint against XXXX XXXX. I have never opened an account with XXXX XXXX and despite their response to the CFPB, although I have contacted them, they have never provided information to XXXX required under Section 609, 611 FCRA. XXXX XXXX is required to provide the nature of their investigation into my complaint or dispute, XXXX XXXX has failed to do so. To simply refer me to customer service does not comply with Section 609, 611 FCRA. Whether or not the identity process passed their test is irrelevant because XXXX XXXX is required to provide specific proof of the time and date of the person who opened the account with them, my authorization to pull my credit report and any and all contracts or agreements bearing my signature and my authority to enter into the contract. 

Please be clear, as of this complaint, XXXX XXXX has failed to comply with Section 609, 611 FCRA or provide ANY documentation to support the alleged debt and derogatory report XXXX XXXX is supplying to Experian, Equifax and Transunion with regard to XXXX XXXX XXXX XXXX XXXX, I did not OPEN an account with XXXX XXXX and they are required to prove I opened an account with them or they just remove the report. XXXX XXXX has failed to comply with Section 609, 611 FCRA and I file this complaint in reference to these statutes. I am also attaching copies of the statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have pulled my annual credit report & my name first & last is incorrect under Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX, I logged into the Capital One credit card website and noticed that my available credit was only {$4900.00} when it should have been {$9900.00} as I had a $ XXXX credit limit. I am enrolled in paperless billing and checked my latest account statement and it showed a $ XXXX limit with no mention of a credit limit reduction. While searching the website for a correspondence page, I logged into XXXX from Capital One and it revealed that my credit score dropped 28 points because my available credit decreased. As I am currently in the process of shopping for a new home, a drop in my credit score that significant will negatively impact my ability to finance my purchase as my pre-approval was based on my prior credit limit and credit score. I finally found correspondence dated XX/XX/XXXX that informed me why my credit limit was decreased. As I have been a Capital One customer since the year XXXX, I called to ask for the credit limit decrease to be reversed. I was told that the decision was final and could not be reversed. I asked to speak with a supervisor and was told that they would not be able to reverse the decision. The supervisor then explained why my credit limit was decreased. I explained that I understood why because the letter detailed the reasons ; what I didn't understand was how a business decision with no policy, term, conditions, or member agreement could not be reversed for a 20 year customer with excellent credit history. I also expressed that I have never felt more disrespected by a credit card company ( even though I was a customer of the predatory Associates credit card I received as a freshman in college ) and should have been notified my credit limit would decrease if my usage didn't increase. I was again told that the decision was irreversible even though my XXXXredit score was so negatively affected. I am making this complaint because I have no recourse to repair the damage to my credit score inflicted by Capital One at a critical time when I am trying to procure a new home and need excellent credit to receive funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed three times with target and XXXX that target has a secondary account reporting to my XXXX credit report. I also recently sent out a 609 letter via certified mail. I only have one account with target. This account has a high utilization and is bring my credit score down. The amount on the account  is {$250.00}. This in incorrect. The incorrect account was last reported on XXXX XXXX, 2017. The account contains 5 missed payments as well. I would like this account removed. My target account that I own has a reporting balance of {$0.00}.

Company response to consumer: Closed with non-monetary relief