BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ALL 3 CREDIT AGENCIES CONTIUNE FREASH DATA REPORTING FRAUD ACCOUNTS AND NEVER DONE BUSINESS WITH COMPANIES, ACCOUNTS OUTDATED

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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My XXXX Card was paid in full and closed in XXXX of XXXX due to bad customer service where they claimed I did not cancel a flight on time ( I had to email them a copy of my phone bill showing I did call on-time ) and they still did not provide me with a credit or points back ( I lost a {$500.00} air-fare ). They claimed that they didn't have a record of me calling. My flight was scheduled for XX/XX/XXXX. After this incident, I paid my balance in full ( $ XXXX ) and asked for the account to be closed out. Never got confirmation in writing. 

Fast forward to the week of XX/XX/XXXX when I called, as I got a letter stating I had an unpaid balance. I told them the hotel charge from XXXX on XX/XX/XXXX is a mistake as I cancelled that reservation via XXXX and I have the email confirmation. The hotel made a mistake and charged me twice instead of giving me a credit. I am now showing as having a delinquent account when I have never had issues paying and my credit score was XXXX. XXXX Credit card is the worst and even talking to a supervisor did not help. I would like the delinquent account to be removed and my credit score to be re-stored. How is a charge showing up on my cc after it was closed is my question. The hotel shouldn't have been able to charge me, which it would've triggered a call. XXXX called the hotel and due to COVID, they are closed until XX/XX/XXXX and won't be able to clear the charges until then. I have now paid off the account, which I shouldn't have had to and now I am owed a credit. Bottom line, don't care about the credit. Don't want to deal with XXXX ever again and I would like my score to be restored. You have damaged the credit on an outstanding customer.

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 2018-07-14
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I pulled my credit through my credit monitoring service. XXXX was showing a collection from XXXX XXXX XXXX. for the amount of {$1900.00} Account # XXXXwas placed in collections XX/XX/XXXX. 

However this is not my account My Father and I had the same first and last name and he passed away around this time. I had sent certified letter XX/XX/XXXX to the debt collector. 

They removed from my credit report XXXX also did investigation and has also made the decision to remove from my credit report as well. 

XX/XX/XXXX I received yet another letter from XXXX regarding this account. 
they also changed the name of the original creditor and original account number. To allow for a ( reinsertion of invalid debt onto my credit report ) the System automation will believe its new. 

I dug up everything from back in XX/XX/XXXX. I just now called the original creditor they are also called XXXX XXXX. I spoke to them I gave them my social my date of birth they can not find me. I do not owe them money.. I also called XXXX XXXX and XXXX XXXX XXXX they can not find me and they have also stated they could not speak to me due to a HIPAA violation they have a XXXX but its not me. attached you will see my original certified letter receipt. the old XXXX collection. links to show XXXX XXXX XXXX and XXXX   are in fact the same hospital. 


I understand mistakes can be made., XXXX forewarned is forearmed You need to remove this from my credit report Immediately this is not my collection. I take pride in my credit score and I am closing on a house in 45 days if This prevents me from cosigning on my house. I will take this to federal court not small claims. Because you are now very aware. Due to my attachments. 

I am not paying anyone to help me. there isnt a debt company I understand you get alot of that it is only me,. I am very familiar about the laws. You also know from past collections that I have written to you explaining my fathers death on a few other occasions. I am asking nicely as a " courtesy from you to remove this promptly before This goes any further.

I woke up one morning and saw my score dropped 85 points due to this  inaccurate reporting you never contacted me I was not notified. this breaks soo many laws in so many ways its not even cool. 
I have also forwarded this to the original creditor XXXX XXXX on intial report from XX/XX/XXXX Thank you, 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 2021-04-26
Company: Square Inc
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I recently applied for a PPP loan though a lender. 

I am writing regarding a recent email that I received regarding my recent application through Square for a PPP ( paycheck protection loan ) loan enclosed I have attached a copy of that email received on XX/XX/XXXX. 2021 The email states I was denied a loan because of my past criminal history I asked that the lender forward to me in written form the following information : Specific crimes or convictions that this decision was based upon. 
Date of convictions of any and all XXXX convictions this decision was based upon Jurisdiction of the conviction that this decision was based upon Name of the Court providing such records of convictions this decision was based upon. 

Please forward all to me at the following address XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MD XXXX XXXX For any questions I may be reached at : Thank you for your time and attention XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This is the second complaint I put in. They responded and said they checked my credit reports and that's how they determined to decrease my limit. THEY ARE NOT ALLOWED TO PULL CREDIT WITHOUT MY AUTHORIZATION. I NEVER AUTHORIZED THEM TO DO SO. 

XXXX XXXX lowered my credit limit from {$1100.00} to {$800.00}. I brought my balance down below 30 % to improve my credit. Once I did that, they lowered my limit down to {$800.00} so my balance would reach my credit limit and bring score back down. My score dropped significantly by 16 points. It should be illegal for creditors to be allowed to do that on occasion. It destroys the consumers credit history and livelihoods. They need to increase credit limit back to where it was so it will show at 30 % bellow statement balance again so score can go back up!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THE DISPUTED BANKRUPTICIES HAS BEEN DISCHARGED IN THE COURT OF LAW AND NO CREDITORS ARE ALLOWED TO REPORT DISCHARGE CASES. THOSE BANKRUPTICES HAVE BEEN HURTING MY CREDIT AND HAS PREVENTED ME FROM ACQUIRING NEW CREDIT, IT HAS BEEN TOUGH BECAUSE THERES SO MUCH THAT I AM TRYING TO ACCOMPLISH FOR MY BUSINESS AND DUE TO THE NEGATIVE ITEMS AND INACCURATE REPORTINGS IT HAS HOLD ME BACK FROM DOING THAT. PLEASE INVESTIGATE THIS AND HAVE ALL THE DISPUTED ITEMS REMOVE. PLEASE SEE THE ATTACHED PAPERWORK FOR THE DISCHARGE INFORMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
One XX/XX/XXXX I completed a refi process with DITECH. Ditech created the deed of trust document with a recording # of XXXX. Now come XX/XX/XXXX I qualified for a revitialization program with the City of XXXX and upon closing, they needed the deed of trust, come to find out the deed of trust was never filed correctly from Ditech. I have been working with Ditech since last XX/XX/XXXX to get this issue fixed. As of the date of the complaint it has NOT been fixed yet and I now stand to loose the XXXX loan I qualified for to fix my house since the deed of trust is not recorded, nor is there a proper lien for Ditech. The City of XXXX can not move forward with all the work until this is fixed and I had contractors ready to work now I can't because of Ditech not fixing this deed of trust issue ... .please help!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Every other month some attempt to apply through Chase an XXXX credit card. It is denied because I have had a bankruptcy in 2011. My problem is that these are hard inquiries and each attempt drops my score by 2 points each time. Chase has advise I get a freeze on my credit. I want them to remove them from my XXXX  credit report. This will resolve my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company is threatening me with credit reporting and has referred the account to a debt collector for debt not owed. This is a landlord tenant issue and they are trying to circumvent the proper legal action to collect deposit money not owed if any. They owe me money from my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: American First Finance, Inc.
State: MI
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on AMERICAN FIRST FINANCE I. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have 2 PROMOTIONAL DEFERRED balance accounts within my XXXX Consumer Credit Card serviced by Synchrony Bank. One balance expires in two months on XX/XX/XXXX and the other expires 18 months into the future on XX/XX/XXXX. When I made a payment in XX/XX/XXXX, I noticed on my ensuing statement, {$21.00} was applied to the XX/XX/XXXX balance with the larger remainder going to the XX/XX/XXXX balance. I had to call in and ask it be applied correctly, and in line with their stated policy on their website under payment allocations, which is, payments are applied to expiring promotions first. How is XX/XX/XXXX expiring before XX/XX/XXXX? I was told that I would have to call each month to have my payment applied correctly. This is also wrong as there is an option on their website to pay my payment and I can choose allocation, which in fact, was as stated above - to expiring promotions first. This bank takes NO responsibility for this error and simply they will fix it. I am asserting they do this improper allocation WITH PURPOSE to cause all deferred interest to apply when promotion expires. Unsuspecting consumers probably would not see a small portion applied to a second line item, and immediately upon expiration all standing interest would be posted - for me to date, that is over {$600.00} in interest. Synchrony Bank is very shady and purposefully potentionally harmful to the consumer unless the consumer is wildly alert like myself.

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 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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'm was unaware of this account and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt Also, please all parties involved in an investigations of verification. 

Here are the account that are not mine : 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 2020-05-18
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank account had fraudulent charges made on XX/XX/XXXX they were pending when my bank contacted me via email. I told my bank while they were still pending to stop the charges my bank didn't they just started an investigation on these 12 charges to some XXXX XXXX. I filed a police report. I told my bank I file a police report. I took all my other money out of the account. I have a paper stating my bank gave me temporary credit while investigating but after I used some of it to pay my XXXX XXXX credit card tcf took the payment back and then charged me fees 2 times. They also want to leave the investigation open until XX/XX/XXXX. This is unacceptable my bank is tcf. They did not protect my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: WLCC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I don't believe this lender is licensed to lend in Minnesota. I took out a {$300.00} loan and the finance charge on this loan is {$670.00}. They will not honor my ACH revocation that keeps debiting my account. They say that MN law doesn't apply to them because they are using the tribal lender excuse. I believe this lender is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As of XXXX XXXX, 2017, XXXX XXXX XXXX are threating to garnish my income taxes. They claim I owe them {$4300.00}. This company has no proof that I owe them. They are sending falsified court documents that are not legally notarized. I do believe that this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Leap Credit, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/2021 at XXXX someone applied for a XXXX XXXX  under my account. I received one email about it that I missed. Then I got a text from Leap Credit saying my payment was overdue. I logged into Leap Credit and I see the bank information was not mine. So someone changed the bank information to their bank but I'm being charged for the loan, which I can't afford. The login to Leap Credit is my email address and the password is my social security number. I don't know how they got my information. I told Leap Credit I didn't take this loan out and the bank information is not mine but they told me that I owed it. That they sent me emails about it buy I only received the one email. These are the terms of the loan that was taken out. 
ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
760.54 % FINANCE CHARGES The dollar amount the credit will cost you {$8300.00} AMOUNT FINANCED The amount of credit provided to you or on your behalf {$2000.00} TOTAL OF PAYMENTS The amount you will have paid after you have made all payments as scheduled. 
{$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX is the loan service I got my student loan for XXXX from and though I did not continue my education at XXXX for my own person reason which I will not disclose, I am not responsible for paying off the loan. My mother cosigned on the loan for me at the time and I am not quite sure of the date that I called XXXX XXXX is check what I would pay every single month once my grace period was over but I do remember the female telling me about {$25.00} or {$50.00} a month after the grace period. I was fine with that because not only do I owe other loan services money, I work two part time jobs that don't pay as well as I'd like and I have to pay my credit card bill along with my phone bill. So {$50.00} was good enough for me and from the way the lady spoke to me she seemed as if that would work well for her as well. I was unaware that from the month of XX/XX/2017, accrued interest was being put on my loan and has been, to this day that I am reporting this, it's still being put on there. When I first checked the loan to start paying it off in XXXX on the XXXX of {$50.00} the loan was at {$12000.00} and now, the time that I am writing this the loan is at {$13000.00}. Any money I am putting towards the loan for XXXX XXXX means nothing when the accrued interest rate bumps it back up dramatically. I am unable to do anything and if I go too long without paying it because it's in my mother 's name and I have to make 12 payments to finally release her as the cosigner, she's worried about her credit score decreasing. I am only XXXX year old, I am trying my hardest to work two jobs so I can do what I promised and pay my loans off. Getting a job at my age is hard enough but it's even harder when any money I do earn from my jobs goes straight to XXXX XXXX but it's not making any difference in the loan itself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: FIRST HORIZON BANK
State: TN
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:
ONCE AGAIN I HAVE ASK XXXX  TO HAVE THESE COMPANYS TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILE I HAVE FILED A POLICE REPORT AN FTC REPORT AND THESE COMPANYS HAVE STILL YET TO PROOF THAT I AM THE PERSON THAT APPLIED FOR THESE ACCOUNTS THEY NEED TO BE REMOVE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: IL
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:
The credit bureaus are still reporting inaccurate items on my credit report after their investigation

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 2017-08-05
Company: WELLS FARGO & COMPANY
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
Was never notified that Wells Fargo had decided to decrease my line of credit from {$7500.00} to {$5700.00}. Logged in to my banking today and found that after having this account for 4 years and never missing a payment that had decreased my limit. When I called about it I was given the run around, and told it was because they had " received a soft copy '' of my credit report and it stated that I had open to many accounts recently and that I had to many inquiries on my credit. I found this to be pure lies because I have opened no new accounts and not let anyone run my credit in almost 1 year. They said well they use XXXX, which again I found to be lies because I have credit monitoring with XXXX and had just paid for a copy of my credit report to see the status of a fee accounts I recently closed and paid off ... The Wells Fargo representative said they would gladly run a full credit check, i.e. try and substantiate the very lie they are telling stating I have had my credit run this year and / or to many times. Why on earth would anyone let them run their credit again when they have already had the account for over 4 years. Or why would someone let them run their credit after a representative just got done stating you have to many inquiries on their credit. Either XXXX credit monitoring and credit report is lieing or Wells Fargo is utilizing unethical and illegal practices to attain credit information on individuals. Additionally, their management customer service representative became rude and ignorant and more concerned with getting me off the phone than fixing the situation.

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