BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 stated that they verified the items on my consumer report. Which that information is inaccurate. These accounts are not verifiable, not validated and are inaccurate. If everything is not reporting 100 percent accurately then it must be removed. I need The CFPB to step In and find out what is going on. Also please refer to exhibit A. Per my consumer report with Transunion they also claimed to have verified a bankruptcy on my consumer report via the us Bankruptcy court XXXX XXXX XXXX XXXX XXXX per exhibit A which is a letter directly from The courts proving that Transunion reported a false and inaccurate item. Per the bankruptcy court clerks office does not report any bankruptcy information to any credit bureau. Well That is proof of fraud and against the law.

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 2021-05-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XXXX of XXXX I reached out to XXXX XXXX XXXX XXXX XXXX XXXX to make an arrangement to pay off my auto loan debt after I voluntarily surrendered it in XX/XX/XXXX. I was told that it need to be placed with a collection agency before I can set up any payment arrangements. Several calls and months later the account was still not placed. I contacted the XXXX XXXX customer service department 3 times on XX/XX/XXXX and received 2 additional departments to contact because they are not allowed to discuss this account because it is not with their department, and that I needed to speak with XXXX XXXX the collection account holder ). I spoke with XXXX XXXX at XXXX who stated she could not pull up the account. I asked for a supervisor and was informed that the account was recalled in XXXX of XXXX. I never received contact from the collection agency nor was it reported with a new collection on any of my credit reports. I was referred back to XXXX XXXX because the account was recalled. When I returned the call I spoke with XXXX XXXX ID : XXXX and was hung up on after explaining my situation. I then spoke to XXXX XXXX ID : XXXX who confirmed XXXX notes and transferred me to a team lead. The team lead could not explain why I was never contacted by the collection agency or why it has not been replaced for collection after one year. I believe the lenders behavior violates section 807 # 14 of The Fair Debt Collection Practices Act which states The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

I believe that the lender and or new collection agency deliberately failed to update my credit report with the appropriate contact information to contact XXXX to resolve my debt which prevented me the opportunity from arranging a settlement agreement ; leaving only the option to pay in full through XXXX XXXX XXXX. I have yet to speak with any supervisors/managers regarding my issue and was told that they are unavailable on many occasions and that it will take 3 weeks for someone to call me back. I am filing this complaint to seek all remedies afforded to me under the Fair Credit Reporting Act as your department sees fit. My account number for TFS is XXXX. Thank you in advance for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Synovus Bank
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear First Progress Card and Synovus Bank, I hope this ( CFPB ) complaint finds you well. I am writing to inform you that as of XXXX XXXX XXXX, legal actions have been initiated against First Progress Card and Synovus Bank. These actions are currently active with the XXXX XXXX XXXX. 

Attached to this CFPB complaint, you will find the necessary documentation and information pertaining to the ongoing legal proceedings. It is important that you review the attached documents carefully to understand the nature and extent of the legal actions being pursued. 

Please be advised that failure to respond or take appropriate action regarding this matter may have serious consequences for your organization. I urge you to give this legal action the attention it deserves and take the necessary steps to address the concerns raised. 

If you require any further information or have any questions regarding the ongoing legal actions, please do not hesitate to contact me at the provided contact details. I expect your full cooperation in resolving this matter in a fair and timely manner. 

Thank you for your immediate attention to this notice. I look forward to a prompt and satisfactory resolution. 

Yours sincerely, XXXX XXXX. 

All Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/XXXX i disputed XXXX XXXX XXXX XXXX to experian and XXXX and XXXX and no one has done a full investigation into the credit card. I'm reaching out to you because i also called these bureau explaining that i reach out to the collector and then to the collection office where i paid my full payment. They both don't have any information on their system with my name or bday or social and a year ago i pay XXXX XXXX XXXX XXXX. On XX/XX/XXXX i explain again the situation and still the update to my account remains the same with the statement " updated- information on this item has been updated. please review your report for the details '' meaning they put a new date that the account was reported when this account was first reported in XX/XX/XXXX and they continue to put in false information. I have all the proof of them changing all my current information to new information that does not make sense to my account. Please i need to get help with this cause their doing this to all my accounts that are negative that i am trying to fix and making the situation harder on me. I have all the proof if needed.

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 2020-07-17
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
An unauthorized party gained access to my online login credentials for chase online. They then started quickpaying themselves money from my checking account. Chase flagged one of the transactions as fraudulent but allowed the others to go through. I called as this was happening and put a hold on my account but not before another transaction went through. I had to go in to a beach to deal with the issue and opened a fraud claim which the bank began to process. However, the bank determined that the transactions were non fraudulent, even though one of the transactions was flagged as such, and are now refusing to refund my money. Unlike other banks, chase has no limits on new quickpay recipients. Anyone who compromises your account is able to transfer unlimited funds from your account with no recourse

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-02
Company: AMERICAN EXPRESS COMPANY
State: DE
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 rewards from credit card

Complaint:
Several weeks ago, I tied to use my XXXX point toward to XXXX payment and it showed that XXXX point failed to pay. At that time, I have not noticed too much about it. However, today, I tried to transfer my XXXX point to an airline partner, it said my reward account is under review to grantee the purchase. I immediately called the customer services and they told me it would take 6-8weeks to finish reviewing ; however, 6-8 weeks starts from TODAY! I know this action to ensure the user where they do not abuse the reward and I can understand it. BUT, why it 6-8weeks starts from TODAY? It means it will always be frozen my account to the day that I call the customer representatives? Because when I can not use XXXX point toward to XXXX, I think my account has already be frozen in several weeks ago and I successfully used it in the last year. On the other hand, I have a really good relationship with your company, I always select your company credits as the first choice and pay the balance on time. At the same time, your company give reward points to me as bouns ; However, when I really need to use point in the time ; and you told me I could not use it and I have to wait? And I have to wait in a long long time! I mean I can wait, but my flight ticket can not wait! The reason that I select your company is that it can provide convenience services. However, this action really is disappointed me. I saved XXXX points for almost one year in order to redeem flight ticket for a vocation and then I find what I saved is nothing because I can not use it! Also, I asked what reason about why my account was frozen, they can not tell me the reason. I think that your company at least can give user right to use the point that grantee meeting the requirement and pending the points that your company is doubt. But why frozen all account? Even the point that is insane can not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX my husband and I purchased a large tile order in store at XXXXXXXX XXXX XXXXXXXX and opened a XXXX XXXX XXXX  credit card at that time with 0 % interest for 1 year. 
XXXX XXXX we realized the tile we purchased which we were given part of the order on site and the rest we were told was back ordered was actually discontinued. 
XX/XX/XXXX the company resolved the issue returning the tile already purchased and selling us a new tile that was not discontinued, we had to pay our contractor a large fee to remove the tile already installed XXXX XXXX we had paid off almost all of the balance except for {$600.00} at which time I called XXXXXXXX XXXX XXXXXXXX to understand when the 1 year 0 % interest ended because the statements were saying XXXX but we had returned and made a new purchase. I was told at this time that they would update the credit card company to tell them the XXXX purchase date XXXX XXXX the date had still not been updated so I called XX/XX/XXXXagain at which time i was told again it would be updated XXXX XXXX I paid off the remaining {$500.00} balance but when the statement arrived I had been charged interest as if I hadn't paid the balance in time for the 1 year as the still had not updated it to XX/XX/XXXX XXXX XXXX I call Comenity bank who tells me to file an official dispute and i upload evidence and receive format letters saying that the date of the ending of the 1 year interest free was on the statements and not addressing that I had been told it would be changed to the correct purchase date -XX/XX/XXXX and XX/XX/XXXX I call repeatedly to try to fix the issues XXXX XXXX I call comenity bank again at which point I am escalated to a manage who tells me I shouldn't pay the bill when I expressed my concerns that it is showing on my credit report as a delinquent account but rather to get a letter fromXX/XX/XXXX explain what has happened XXXX XXXX I work with the store manager who tells me they have asked corporate headquarters to communicate with the credit card company to resolve the issue after no resolution I called comentiy bank again and spoke to them for 2 hours and a supervisor told me she was going to investigate but I have still not heard anything back, I am being harassed by their collection branch who refuse to help me and my credit score goes down every month

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello - I have been contacting Transunion credit reporting agency for over a week and transferred approximately ten times with no one able to adequately assist or know ANY way to resolve. Each call lasts 4-5 hours. 

I am attempting to get my annual credit report through annualcreditreport.com and services.transunion.com ; however, the system NEVER makes it to the verification questions and keeps generating error messages - " Unable to complete verification ''. After the agency 's general troubleshooting, there is no reason why I should not be able to pull my report. It comes across as the agency attempting to push consumers to the their paid website. The intended purpose of the website is for immediate access to your credit file to determine accuracy and monitor. According to Transunion, the credit report can be mailed ( which in the current mail climate would take almost 30 days and too long to catch errors, if applicable ). If the agency can verify my personal information to mail the report then what prevents them from verifying that same information to correct online access. When I log into Transunion with my user id/password, it says that a report was pulled within last 30 days. Yet, when selecting the link to view prior report, the data lists my pre-populated name ; however, file number and data credit fields are black. Please help so that I am able to check my profile expeditiously without further delay!!! I keep getting the run around. 

I never seem to get to ANY type of verification questions before getting the error screens included below. The only items that I enter are : my name, address, phone & email. Which are correct and included in my account profile.

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 2020-10-22
Company: EQUIFAX, INC.
State: MO
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 sent several notices to ALL 3 Reporting Agencies as of XX/XX/XXXX and have YET to hear from ANY OF THEM. I sent other notices after and still NOTHING. This informatios is INCORRECT and hindering me from obtaining a HOME PURCHASE. It has been well over 30 and 60 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem

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 2021-05-25
Company: EQUIFAX, INC.
State: NY
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 help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed the debt through all 3 credit bureau 's, and it is still on my credit, I Have never heard of this company nor have i did business with the company, I asked for a contract that was signed between me and the company, and they did not have one. I do not owe this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Contacted Bank of America about a checking account opened in my name. Was directed to the fraud department and they would not help me at all without me giving them my full social security number even though I had the account number since I got a letter from them stating I had a new account with all the info on it. They should have just closed the account when I said I didnt open it. Apparently this is a huge problem with Bank of America as it is all over the internet.

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 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was with XXXX XXXX XXXX until XXXX and was sold to XXXX XXXX XXXX. This month XXXX XXXX service sold my loan to Select Portfolio Services , Inc. Upon paying my first payment, I noticed that had added {$200000.00} to my outstanding balance. I regularly check this so I noticed immediately that it was an error. I called the company and they told me that they were using my XXXX Modification with XXXX XXXX XXXX for the current outstanding balance. I immediately called XXXX XXXX XXXX to get a loan history up until the loan was sold which reflected a total balance of XXXX and my final bill from XXXX XXXX showed an outstanding balance of XXXX. The new server has an outstanding balance of {$350000.00}. I called them and they refuse to correct the error. As you know, increasing the outstanding balance leads to higher payment of interest and less equity so it is important that they represent the correct balance. Additionally, selling mortgages does not allow them to charge me an additional {$20000.00} in the payoff of my loan. I believe that many others are impacted by this as illegal and unethical practices to charge consumers more than they owe. Additionally, I check the XXXX  and there are a large number of complaints almost XXXX in one year and XXXX over three years. They have three 3 class-action suits. I would like some assistance in these practices used to defraud individuals from their homes and charge more money. After this experience and their bad record, I would like to refinance but I can not allow them to make {$20000.00} on the sell of my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Credit Karma, LLC
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:
Credit Karma said that I had an opportunity to open up a card and I did I was given a {$300.00} credit line with XXXX XXXX XXXX  and they never reported me for over a year that I have been making substantial and monthly payments now after I called XXXX XXXX and ask them why I wasn't given the the proper on Time payments to be reported to my score they finally opened up and sent it to to my credit reporting agencies and my credit went down XXXX points XXXX points ruined me I've been shambles now I worked so hard to try to get my credit up now I'm down XXXX points for being misled by Credit Karma and XXXX XXXX XXXX  what a sham

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: VA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation