BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: MN
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:
Was notified that there was a late payment on auto loan account and never was late and reported to credit bureaus. Asked to be removed and instead of removing it. It was moved from XXXX to XXXX. Asked for documentation and none was provided. There was never a late charge fee or mention of it being late.

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 2019-10-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I rented a home that offered a vacation rental with clenaing fees for pets put on as an additional charge, and the original cleaning charge being included in the base rent. As a guest, the landlord claims I caused damage. In dispute, I asked for PRE photos and the landlord provided none, thus being unable to substantiate the claim. As well, the landlord blamed me for things which should be included in regular cleaning fees. He cited cause for cleaning the couch at an abnormal rate of {$75.00} which is an excessive amount of hours to pay for one half hour extra of work in vacuming a couch. As well the pet fees were over {$200.00} and would've covered any excess time for their specific concerns. I submitted the dispute for chase to review and they never even contacted me to receive my proofs of the landlord unsubstantiating the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
These accounts should not be found on my report because of too much inaccuracies. I already demanded them proof about the validity and the accuracies of the details of the reported accounts yet they do not hear nor take time to contact me about it. So here I am filing a complain against these companies who, I believe violated FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Synergetic Communication Inc
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Synergetic Communications., Inc. sent me a very disturbing letter dated XX/XX/XXXX that I have attached where they requested the payment of a debt for a car that was repossessed in XX/XX/XXXX because of my illness that led to a XXXX. The collector claims that if I do n't pay the debt or contact them within 30 days, they could sue me, as stated in the letter. The debt is past the debt collection as per the following : Statute of Limitations. Texas ' four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past due. The debt was reported and closed on XX/XX/XXXX more than four years ago. I also do not know where or how thee credit agency received my information, I have never heard of or spoken with them before and the fact that they contacted me with such a harsh letter has affected my XXXX terribly. Poor XXXX Americans already suffer from disparities that include underemployment, over-employment and discrimination. We are always the first laid off and less paid, as is some of the issue that happened when my car was repossessed. Even the way XXXX repossessed the car was disturbing where they pretended that if I would make another payment, I could save my car while at the same time the repo man came to my house. 

The debt, according to my credit file, was reported and closed as follows : Account Details Bureau Name XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Original Loan Amount {$30000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$8300.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Term 72 Months Payment Frequency Monthly ( every month ) Worst Pay Status Unknown

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There was something ordered on my card from XXXX that was never received. XXXX originally told me on several occasions that they would refund me, then they started saying to dispute it with my bank. Which I did however capital one keeps allowing them to pull payments from my card. They said that they are not able to block them even though I never received an item from this company. I am afraid to pay my card off because they keep charging me. Capital one sent me new cards and told me that they would block them at one point then they went back on there word. they attempted to charge my card on the following dates : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I do not have any of their items. They have said the closed the account due to non-cooperation however they did said we had to do anything. They have no proof they we ever received an item from them. I even have the card locked and the still allow them to try and pull money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I went online applied for a XXXX loan was offered XXXX secured oelr XXXX unsecured. The agent I spoke with XXXX on the XXXX of XXXX had XXXX upload my info in the system and also email my tax return and stated they would call me back and failed to do so. I called the branch this morning and was told they are short staffed and he'll get around to it when he can my another rep. I called the corporate phone number and spoke with a representative and explained that I hadn't got a answer back if I was approved. She said you were for XXXX but give me a min. Then connected me with XXXX who also had me re-upload my info and stated she would look over and call me back. I called back about XXXX and was stated you were not approved. Because Onemain had used my credit card to enter into a transaction with me and failed to do so they violated 15 U S Code 1602g,1602p, 1681n, and 1681o

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: SYNCHRONY FINANCIAL
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against XXXX XXXX located in XXXX XXXX. MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2019-10-04
Company: STERLING JEWELERS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 I submitted a payment through XXXX   payment portal. When making a paying the " Payment Source '' minimum payment value was XXXX because this value was nearly double what my normal payment was I assumed I had missed a payment. After further research I discovered I had not missed a payment so I called " XXXX XXXX XXXX XXXX, XXXX '' and spoke to a lady named XXXX who helped me the best she could. She agreed that I had not missed a payment but stated she could not refund me the amount I overpaid. It seems that their payment portal does not have a reliable minimum payment value for their drop down which could cause users to give the wrong minimum payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: AL
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:
My name is XXXX XXXX XXXX and I am a victim of identity theft due to the Equifax data breach of XXXX. You have removed 33 of the 38 fraudulent hard inquiries, but I still have 5 fraudulent hard inquiries left on my report that I would like to have removed please. These include the following : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX & XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
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: Account status incorrect

Complaint:
I have been dealing with this issue for months in attempting to correct the reporting of my account of XXXX XXXX XXXX XXXX when my account keeps getting reported/reflected incorrectly. Each month I discover the account reported negatively, I send supporting documentation to correct the issue. It gets corrected for a month, and then the following month it shows a negative status again. I do not know where the mistake lies, with the credit company or with XXXX XXXX XXXX XXXX but it needs to stop being incorrectly reported and having me spend time and money correcting the same problem over and over again. 

Over the past several months, the negative reportings have been " in collections '', " charge off '', " repossession '', and most recently " partial payment '' used interchangably. I have been paying XXXX XXXX XXXX XXXX at over the required payment for an auto loan consistently and on time ever since I got the loan in 2017. Additionally the vehicle has not been repossessed. It was involved in a motor vehicle accident, and was " totaled out ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
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:
simply they are difficult to get anything done, I cant get a mailed response from this credit agency after sending several complaints. I call and sometimes get through after holding XXXX XXXX min, get disconnected and other times be told I have to mail in my complaint or use their website and get error messages of all sorts. Furthermore, I feel these kinds of issues is to discourage me from enacting my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I started at XXXX XXXX in XX/XX/2008 and did not finish my degree. I have student loans and the college has since closed. My loans were sent to collection company as I could not afford the HIGH payment they wanted me to pay. I am currently making {$14.00} monthly payment to collection because they have withheld my Tax return. I have asked several different times of lowering my payments to a reasonable amount and can never get anywhere? I would figure they would work with me instead of not getting paid. I just received a phone call from XXXX stating my loan was accepted into the Navient lawsuit and to call this number for 90 % loan forgiveness and gave a ref # XXXX to use when I call back. I'm not sure if that is a scam. I owe over {$30000.00} In student loan debt as I'm not saying I don't owe this but these companies will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

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 non-monetary relief
Consumer complaint received 2018-09-13
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a Va home mortgage through Quicken Loans. I worked on it from XX/XX/2018, until I received a Full Letter of Approval on XX/XX/2018. This went through underwriting and they totally verified all my asset, credit, & debit. After receiving the Full Approval Letter I was guided through the closing process, I paid for inspections- {$740.00}, appraisal- {$500.00}, HVAC inspection- {$60.00}, Title Search Fee- {$1800.00}. On XX/XX/2018 I received a denial letter stating that they can not service the loan and this was 2 weeks before my closing date of XX/XX/2018. They have yet to give me a legitimate reason why they backed out on the loan. All they could tell me is that someone screwed up and dropped the ball. I am a XXXX-year-old Veteran not knowing where to begin so that I can purchase the home before it is sold to someone else. Quicken has not followed through with his promise of reimbursing me all of my money. They have not been honest with us from the beginning. XXXX XXXX is the Chairman of this company and I want to believe after reading his profile that he would not agree with how his company is dealing with his clients so unprofessionally.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020I received no notice from my bank USAA that close my account with no warning and close my account in 60 days. They cut off all assess to my account where I could not get any my money out my account. Which was XXXX then went to XXXX in my account. I ask for supervisor ib regards to why my account was closing and they said was because suspicious activity with disputes. I said that was nothing suspicious. when in order

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRUIST FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage was originally serviced with Suntrust, which merged with Truist officially sometime between March 1-5 2022. Truist claims during the servicing transfer that there will be no late payments charged for 60 days following the transfer and no derogatory reporting to the bureaus for 90 days following the transfer. My mortgage autopay was cancelled during the transfer and the XXXX payment was not made. Truist claims they sent me a letter in the mail on XX/XX/XXXX notifying my of the late payment but I never received such a notice in the mail. I also never received a call or email from Truist regarding this. On XX/XX/XXXX I received a call stating my mortgage was 30 days late and I immediately made 2 months mortgage payments on the phone ; however, was told that although the late fee can be removed from my balance, they couldnt help me with the negative reporting because it was already reported to the bureaus. I have been trying to get a hold of anyone at Truist who can help me correct this derogatory from months now. Wait times on the phone were pushing 2 hours at times for me just to talk to someone. Every rep I talked to at Truist confirmed with me that yes, the transfer happened the first week of XXXX, and that I should be covered under the XXXX grace period for non-reporting of derogatories to credit bureaus ; however, none of these reps could ever provide that info to me in writing. They refused. They confirmed that they have had a large amount of customers claiming that payments never went through following the transfer and that I was not alone. Every phone call ended with the rep initiating a dispute with Truist to get the late payment removed, and every time i received the same template document in the mail stating that my account is accurate as 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 2020-11-13
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:
CAR WAS PAID OFF AND FULL WITH NO ISSUES DUE TO ACCIDENT AND I DID RECEIVEDTITLE FREE AND CLEAR

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 2017-11-20
Company: WLCC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/17 - called my cell phone one time. ( I did not answer ) XX/XX/17 - called my work line 7 times ( between XXXX-and XXXX ) in a row after I politely told them to please stop calling that number. Then the lady proceeded to threaten that the next call would be to my manager.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02
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:
While checking my credit recently, I noticed a few items that doesnt belong to me. The following accounts are fraudulent. 

XXXX XXXX  {$6400.00} XXXX {$750.00} XXXX XXXX {$600.00} Please see attached FTC report submitted by 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 non-monetary relief
Consumer complaint received 2018-09-13
Company: Bull City Financial Solutions, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2018, I recieved a debt collection letter from BullCity Financial Solutions Inc. XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX ; telling me I owe {$1000.00} for a debt from : XXXX XXXX XXXX XXXX AT XXXX, account # XXXX, service date of XX/XX/XXXX Regarding XXXX, XXXX. 

The letter states that if I do not dispute the validity of this debt within 30 days they will assume it is valid. Sincerely XXXX XXXX XXXX, XXXX. 

I have know idea what this debt is as I have not been to Texas in the past 5 years. I'm afraid to contact them and give them my personal information because of all the scams going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have a Bank of america revolving account on my report that does not belong to me neither am i responsible for it. 

i contacted Bank of america on XX/XX/2019 and they couldn't help 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 non-monetary relief