BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-26
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: 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, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-06-26
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Conn Credit Corporation was included in a Chapter XXXX converted to a Chapter XXXX Bankruptcy. There are 2 accounts reflecting on my credit file and had been removed and the account has now been placed back onto my credit file causing me undue hardships with COVID19. I have written to them numerous times that they are reporting incorrect information and they can not collect on accounts that have been included in a Chapter XXXX Bankruptcy. They have continuously contact me on my cell phone and at my employment when they have been informed numerous times to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine. 

I sent your bureau a dispute letter in regards to these accounts on XXXX, refer to attached document, asking that they be removed. Please note investigative results report should have been done by XXXX. To date, I have not received a report which is in violation of the FCRA. 

I had filed an Identity Theft report, refer to attached copy of filing document. You may call the police department to confirm the filing legitimacy. Please be advised I have a {$600000.00} residential home escrow pending cancellation by XXXX unless these accounts are not immediately deleted. I would prefer this to handled without litigation and damages

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 2020-02-05
Company: EQUIFAX, INC.
State: CT
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 tried to call XXXX and they would not accept my call because I was not a customer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I got a refusal of payment notice on a card I use often. I went to log in and saw the card had been canceled. Then I started looking around and Synchrony Bank had closed EVERY ONE of  my accounts i had with them. I have never missed a payment on any of them, have 100 % payment records, plus I have even received substantial credit limit increases on several of them. There is no reason these accounts should be closed. We are talking about 11 credit cards ALL AT ONCE. My credit limit is going to be destroyed about this through no fault of my own. I have not even asked for COVID-19 relief because I have continued to work and I have a very decent salary. I need answers and nobody will give me one except for something copied and pasted from a sheet. This happened apparently on XX/XX/2020. I had absolutely no notice that this was about to happen.

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 2021-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 am a victim of identity theft and did not make these charges. theme that need to be removed from my report are listed in my supporting documents. I do not know this company. I have never done any business with this companies. This company does not have contracts with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have a XXXX  XXXX  that buys and sells fresh produce through out the country. I am licensed by the USDA so I have prompt payment requirements. On XXXX XX/XX/2021 at XXXX I attempted to deposit a check for {$22000.00} in the lobby atm at the us bank branch at XXXX XXXX XXXX XXXX XXXX MO XXXX. I have been making these deposits every Friday morning in this same machine for several months.I entered my pin and followed the prompts then inserted my endorsed check. Then the word error came across the screen and a slip of paper came out stating an error has occured and I would have to call an 800 # then an investigation would be done. So I called the 800 # and the person told me that the bank would investigate and notify me by mail in 10 business days. I asked the people in the branch for guidance and they told me to call the 800 # because there was nothing they could do. I need this money to promptly pay for XXXX XXXX XXXX  from a California XXXX. I have to have a XXXX XXXX to do this kind of business and in having that license I agree to pay for fresh fruits and vegetables and the interstate transfer of said product in 10 days. The US Bank policy to remedy this machine error puts my lXXXX XXXX XXXX in jeopardy.

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 2019-07-12
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This is the 2nd time this has occurred. I made several purchases in XXXX, each time selecting 6 or 12 month special financing at checkout. The purchase XX/XX/XXXX accepted this, the purchase XXXX XXXX did not and shows on my statement as equal pay 12 mos. This increases my minimum payments and affecting how prior deferred interest payments are applied. I need the 2 transactions on XX/XX/XXXX for {$53.00} and {$460.00}, and the transaction XX/XX/XXXX for XXXX to be corrected to Deferred Interest with Payment 12 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: COMMERCE BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Commerce Bank sent me mailers offering a {$300.00} bonus if I opened a checking account. I complied with all the terms but the bank did not pay the bonus. They tried to find all sorts of excuses for not paying the bonus. After I refuted all the excuses, they stopped answering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Comenity Acct # XXXX & XXXX XXXX # XXXX - These accounts were disputed during the 7 day rescission period. We have provided the tracking info, the original rescission letter, and the purchase agreement. The documents specifically have the " Notice to Cancel '' page where we have provided in detail the story of events. On XX/XX/XXXX we bought the timeshare, which included Comenity Bank ( we were told it was XXXX XXXX ). On XX/XX/XXXX we certified mailed the cancellation letter to the resort because they did not accept hand delivered cancellation letters. The letter was received and signed for. On XX/XX/XXXX, we mailed out another certified letter upon arriving home from our vacation. This letter was signed for and has certified delivery as well. These are both postmarked within the cancellation period of the purchase agreement with XXXX. We sent out a third letter to Comenity Bank to notify them to close the account and that we have already cancelled the XXXX account which also have certified delivery. Both of these companies have refused to close the accounts, and continuously bill us monthly, including late fees charges. They are threatening to place us into collections with direct statements of using " legal action against us ''. We have been constantly requesting them for all account documents. Our rights under Fair Credit Billing Act of 1974 are deliberately being ignored. There is improper billing, our financial information has been shared without our permission, and our rights are clearly being violated. With these account still in an open status this is a willful attempt to defraud us and a clear violation of many of our consumer protection laws. There has been 6 months of continual abuse and willful neglect that is causing massive financial, emotional and physical harm. This neglect to this matter must stop, and we are in desperate need of aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Experian Information Solutions 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:
I am a victim 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 2019-05-22
Company: Experian Information Solutions Inc.
State: TN
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 went to my bank to get a loan and they told my that they couldn't approve me at that time. I have been with this bank for 20 years. I went and pulled my credit and there are some items on my credit that still are not mine. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX and 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
Consumer complaint received 2020-06-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As per Care Act, for Covid 19 hardship I called my bank to request forbearance for up to six months. My bank is Chase Bank with my loan # XXXX XXXX XXXX They denied forbearance up to six months per Cares Act and they offered 3 months only. I spoke with the Escalation Team Department at Chase Bank, by someone named XXXX, insisting that I have the right for up to 6 months forbearance. She declined my request for 6 months forbearance and offered only up to 90 days. She has violated the Cares Act rules by denying me forbearance for up 6 months. 
I would like to know my forbearance rights and file an official complain again Chase for violating federal Care Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: PA
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 am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
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 have a credit card account with Bank of America and I've had one since XXXX. As of today, I have roughly a {$4000.00} credit limit, and a {$96.00} balance. Like many families during the covid-19 emergency, I am struggling. Today I had an emergency with an air conditioning unit and planned on using the card. Beforehand, I tried to purchase {$7.00} worth of merchandise at a convenience store and the transaction was declined. I opened the Bank of America app and discovered that I had forgotten to pay my minimum payment of {$25.00} due on XX/XX/XXXX. I immediately made the payment, and contacted Bank of America customer service to make sure the card would be available for use for my air conditioning emergency. An agent told me the card would not be able for use until the payment had posted. I explained the situation and the emergency and she stated she could not help. I requested to speak with a supervisor who relayed the same information. He further told me to have a " wonderful day '' after I had nearly broken down into tears over our emergency and the fact that the bank that I have been such a good customer of for so many years was not willing to assist me. I find it very disturbing during the covid-19 emergency that Bank of America will not allow its customers to use their credit cards due to a payment being 12 days late. Further, I find it repulsive that after they can verify a payment has been made, they will not allow the card to be used. I truly hope that the U.S. governing agencies regulating Bank of America will look at their practices, because if they are doing this to me they're doing it to others. It would infuriate me further, if Bank of America received any governmental assistance when they're treating U.S. citizens this way. Sincerely, 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 2022-08-10
Company: Experian Information Solutions Inc.
State: NV
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 am sending a complaint in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. The 3 credit bureaus are required to authenticate this account XXXX XXXXXXXX XXXX Balance : {$0.00} Date Opened XX/XX/2019 under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I just realized that my credit score had dropped due to the company reporting my deb into collections. I want the company to take my account from collection into good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Bread Financial Holdings, 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:
Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report. The late history should not be showing late because I think I paid on time. Please take your time to review this charge off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
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: Information belongs to someone else

Complaint:
SOMEONE USE MY INFORMATION TO OPEN FRAUDLENT ACCOUNTS AND PUT ME IN ALOT OF DEBT THAT DOEST BELONG TO ME I WAS NOT AWARE OF ANY OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 2018-06-07
Company: WESTERN UNION COMPANY, THE
State: AE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Im a XXXX XXXX  XXXX in XXXX and I sent my wife money to her in XXXX. I understood I wouldn't get a great exchange rate by sending it through Western Union but we were ripped off of $ XXXX when I sent her the money. 

The agreement was I sent {$1200.00} plus a {$9.00} fee and she would receive XXXX XXXX  pesos per their website when sending the money. When she went to pick up the money they would only give her XXXX pesos. I tried fixing this with Western Union but they have not bothered responding or refunding my money. 

The MCTN is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: WV
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 submitted enough information for you to determine and agree that these accounts have fraudulent charges from identity theft. I now need to see all documentation from your investigation that proves otherwise, or this is false reporting and negligence these accounts need to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX fraudulent charges made on account. ( XXXX ) ( XXXX XXXX ) fraudulent charges made on account. ( XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXX ) fraudulent charges made on account. ( XXXX ) This is my second request please remove the above accounts and send me a new credit report showing these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I bought a car at the car lot, from a dealership in XXXX on XXXX XXXX XXXX, called XXXX XXXX. XX/XX/XXXX i purchased a XXXX XXXX XXXX. The bank that financed me was XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX ca XXXX. There phone number is XXXX. I drive off the lot with the XXXX XXXX XXXX. The car broke down less than a hour of buying it. I took the car back to the lot and gave it back to them. They insured me they would fix the car. Long story short a week goes by I don't hear from two weeks go by I don't hear from them and all of a sudden they went out of business. They had my car and my money that I put down for the deposit. I later found out that the same company that ripped me off kept a bunch of other people 's diwn payments. Now this car is sitting on my credit when I disputed it over and over and over, that i was scammed.

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