BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  TRANSUNION AND XXXX  IS REPORTING IN WORNG INFORMATION 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 explanation
Consumer complaint received 2019-01-27
Company: Capital Management Services, LP
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX capital management services LP sent me a notice of debt verification. I asked for debt validation. They could not provide it, they forwarded my request to original debtor. I then filed a complaint through your company. Assuming the original company was trying to collect debt from me. They dropped capital management from collecting the debt. They then became the original creditor and original creditor. However, payment could only be remitted to XXXX XXXX XXXX, which is a parent company of XXXX XXXX XXXX. However I do not have a standing contract with XXXX XXXX   to pay anything. Therefore I am at liberty to say that XXXX has commited fraud. They charged off account, sold it to CMS, took it back and is now letting XXXX XXXX handleXX/XX/XXXX.I DO NOT HAVE A CONTRACT WITH XXXX XXXX. Let it also be noted that XXXX XXXX purchased the XXXX XXXX XXXX XX/XX/XXXX. I am sending a copy of this complaint to the XXXX as well. Thank you for your time. Also CMS was originally on my credit report but was withdrawn when XXXX   noticed I was trying to take action against them.

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 2021-04-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I already have a Chase Bank checking account. Within the last couple of weeks I have been trying to open a Chase Private Client account. On the Chase web page address as follows : account.chase.com/consumer/banking/chaseprivateclient there is an offer posted soliciting a {$2000.00} bonus if a client upgrades his account to the Chase Private Cllient program by XX/XX/21. I am able to meet all the required prerequisites to qualify for the account. The web page asks me to submit my email address so that Chase can generate a code number so that when I go to my Chase branch they will use the code to open the account and make sure that I receive the bonus. However, I have tried innumerable times to accomplish this and never have I received an email with a code number. I have spent hours on the phone and in person with Chase representatives and no one has been able to resolve the issue nor will anyone at that institution do what is necessary to allow me to deposit the finds required and receive the offered bonus. ( I note that the web page appears to be a bona fide Chase web page as there is a prompt which will directly connect me to my personal checking account at Chase. ) A woman by the name of XXXX from the Chase executive offices did call me but she has never called me back as promised nor has she returned my messages to her. I am baffled that what appears to be a legitimate offer on a Chase web page is not honored by this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX  AND EXPERIAN IS REPORTING IN WORNG INFORMATION 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 2020-02-05
Company: Premier Student Loan Center
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been paying Premier Student Loans {$30.00} a month to " pay '' XXXX XXXX on my student loan. They were supposed to take care of my payment and all of the paperwork to get me recertified for the Income Based Saving Plan when the time came. Also the Public Service Loan Plan. They were supposed to be paying towards my loan. I did not know that they were not putting the money towards anything on the loan. I have tried to contact them but they are being sued and their phones are turned off. They have a message that now runs saying to get on a website and contact Dept. of Ed. because they are being sued.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-04
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received phone call from Nordstrom credit services on XX/XX/2020, at XXXX ( pacific ) looking for my elderly mother. The phone number they called from is XXXX XXXX XXXX XXXX. This is not my debt. I have my own credit card and I am also an employee of this company. My credit card is PAID ON TIME. This is appalling they would attempt to use an employee to track down a family member. After everything we do for you?! Working during Covid without proper safety precautions or hazard pay?! You harass me to look for my mother? Im sure her attorney will reach out to you. This is not my problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX XXXX XXXX ( Original CreditorXXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing now in wish to receive your help. At the present time I am working on going over my credit, paying down my balances, and working toward better credit worthiness. You play a crucial part in this process. I am inquiring about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2016 and I am submitting this to get this remark took back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: Bread Financial Holdings, Inc.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX keeps calling my phone at all hours of the day and night, threatening me with legal action, all for a debt supposedly owed by an individual named " XXXX XXXX '' ( I'm not sure if that is the correct spelling ) for a " debt '' owed on a " XXXX XXXX '' account. I have never been to a " XXXX XXXX '' nor have I ever done business with them in any way shape or form. They ( XXXX XXXX ) continue to harass me, even though on multiple occasions I have told them that I'm not the individual in question, and that they have the wrong number. The use robot calls, offensive language, threats of lawsuits, threats of " credit damage " and many more horrible, probably illegal tactics. I have tried to block their calls, but they just call again from a different or spoofed number. Please help, these horrible people are causing me loss of sleep, and stress that is worsening my health ( I'm a XXXX XXXX with XXXX  XXXX XXXX ) Ioften work 50 hours a week or more as an XXXX. I've done all I know to do with the exception of giving up  my telephone number that I've had for over 10 years, which would be a significant loss for me. Please help me win this fight for my sanity! Thank you for your time and help, any assistance you can provide means a lot to me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
Unauthorized hard Inquiry on credit reports dated XXXX XXXX 2017 No authorization or consent given to this company by customer. 
Investigate and delete immediatly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
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:
Dealing with Experian is like pulling teeth! I am tired of them ignoring my disputes and saying they " respectfully deny your request '' regarding deleting inquiries. They stated in a complaint response to me regarding these illegal inquiries : " The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumers profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. '' WHO WERE THE INQUIRIES MADE BY, Experian??? You don't even know, nor do you have proof! You are NOT supposed to keep false, unauthorized information in people 's credit files and wiping your hands clean as if you have nothing to do with it! These inquiries are affecting my credit report! Experian, you say " factual record '', but please tell me how an inquiry I DID NOT AUTHORIZE is factual, let alone verified & legal. JUST BECAUSE AN INQUIRY IS REPORTING DOES NOT MAKE IT MINE or legal. Addresses, dates, and account amounts are ALSO " factual record '', but if any of that info is incorrect, false, unverified, etc, then " PURSUANT TO FEDERAL LAW '' THEY MUST BE DELETED! Experian even admitted in their response to my CFPB complaint ending in XXXX that THEY DON'T EVEN HAVE APPLICATIONS FOR THESE INQUIRIES. They are the reporting company, yet THEY HAVE NO PROOF NOR DO THEY DEMAND PROOF FROM THE REPORTING COMPANIES. This is negligence! Experian, are you telling me that " pursuant to federal law '' INCORRECT, ILLEGAL, FALSE, INVALID, UNAUTHORIZED information, including inquiries " must remain '' even though they aren't mine and are illegal??? Furthermore, what's also illegal and a violation of 'federal law ' is the fact that you all DID NOT EVEN INVESTIGATE THESE ILLEGAL INQUIRIES. I demand that the inquiries are deleted immediately. They are NOT MINE, NOR do they even have permissible purpose to be there! I've already contacted the companies and you both are telling me to contact the OTHER!

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 2018-06-10
Company: Experian Information Solutions Inc.
State: NJ
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 is reporting a hard inquiry from XXXX XXXX on my credit report but I never applied for any products from XXXX XXXX. I uploaded a copy of the certified return receipt from the dispute I filed with Experian and as of XX/XX/2018 the hard inquiry is still being reported.

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 2021-04-01
Company: EQUIFAX, INC.
State: CA
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:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, MEDICAL Company Inquiries : XXXX/XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I ordered a XXXX report and I was reading it and it said Inquirer : Fifth Third Bank XXXX XXXX XXXX XXXX, XXXX, OH XXXX ... XXXX Inquirer Date XX/XX/2016 I never requested any banking, credit card or loan with Fifth Third! I appreciate all your help getting this resolved! 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 called in and spoke with customer service on XX/XX/2019 to explain that I have indeed been a victim of their inquiry issue. The agent asked for me to list the inquiries, in which i did. They told me they would not be able to assist further.

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 2020-08-14
Company: PRIMARY RESIDENTIAL MORTGAGE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good morning! 

I have been working with XXXX XXXX ( Element Funding ) on a new XXXX  property. As we got to the appraisal portion I was advised the appraisal would be {$500.00} and she took my credit card information over the phone. I was then charged {$720.00}. This is not my main issue. 

I am now using a different lender, XXXX XXXX with XXXX XXXX XXXX XXXX. I am working with him group to get the appraisal that I paid for transferred from Element Funding to XXXX XXXX XXXX XXXX. 

XXXX and Element Funding are refusing to transfer this appraisal after numerous requests. I was advised by my attorney to reach out directly to CFPB to file the complain to expedite this process. 

Can you please help get this apprasial transferred. This is VERY urgent. 

Thanks so much. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-27
Company: Bread Financial Holdings, Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2019, I received a bill in the mail for my deceased mother from XXXX. My mother died on XX/XX/2019. 

The bill is for {$8.00}. It shows a {$4.00} payment was returned on XX/XX/2019. Her checking account was not closed until XX/XX/2019. 

In addition, I tried to phone them this evening to advice them she is deceased and to close her account. I called around XXXX and spoke to a person named XXXX . When I called her to say I was needing them to close the account because the cardholder was deceased, she claimed she was having phone problems and told me to hold on. Then the call dropped. 

I tried to call back, received their automated system, but when I asked the system to transfer me to customer service, it left me on a dead hold. I finally just hung up and decided to submit the death certificate to your office and to get an explanation why the {$4.00} was returned on XX/XX/2019 according to the statement. As stated before, her banking account was not closed until XX/XX/2019, and at the time of closure, she had over {$1500.00} in the account. On XX/XX/XXXX when the check was returned, she had over {$1700.00} in the account. I know this because I had tried to close out the account earlier to pay for cremation expenses, but I had a difficult time getting them to accept the pending unofficial death certificate. That is a completely separate complaint against XXXX XXXX   that has been filed with your office, the attorney general of Missouri, the Missouri department of Finance, and the Federal Reserve Bank. 

I need written verification that the account has been closed. And I need the CFPB to figure out why they put down a returned check for {$4.00} well before her account was even closed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, INC.
State: TX
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:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
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: Account status incorrect

Complaint:
Hello, I am XXXX XXXX I have a XXXX bank XXXX XXXX credit card account # Account # XXXX XXXX XXXX XXXX, in XX/XX/2018 I placed a fraud freeze on my credit at the credit bureaus, XXXX XXXX  closed my account and sent me a letter stating that the account was fraudulent, I called them and told them that it was not and never wanted the account closed, they told me nothing could be done, I made several calls to all there departments including the fraud team, I talked to customer service and set up payment at {$100.00} a month and my minimum payment is {$35.00} conf # XXXX everything has been fine until XXXX I called to increase my payments and the agent told me the account was closed and I could no longer make payments at all I told her that payment arrangements are already been made the agent said no payments will be made and she told me that she closed my account and draft for payments to the account, XXXX XXXX  then reported me to the credit bureaus for a late fee and that the account was a CHARGE OFF/ BAD DEBT and THAT I WAS LATE ON A PAYMENT, I HAVE NEVER BEEN LATE AND ALLWAYS PAID MORE THAN TWICE THE AMOUNT DUE, now my credit dropped 60 points on all 3 bureaus, I called them back and I was told to fax a letter to the XXXX  dispute dept. at fax XXXX and that was the only way that I could reach them at all, I could not call them, I have sent many letters including the latest letter that I have uploaded to this claim, every time I call they do not care to talk to me or help me at all, I never wanted the account to be closed at all I have been making payments at {$100.00} every month even though this is on my credit as a charge off for bad debt and a late payment, would you help me please, thank you for what ever can be done to fix my credit back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx 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 non-monetary relief