BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
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:
I am a victim of identity theft. A criminal has used my social security number to apply for and obtain credit lines with multiple different lenders.. There are numerous fraudulent credit inquiries that are unauthorized reporting to my TRANSUNION credit reporting agency as well as fraudulent credit card accounts. These items are unauthorized. I have filed a XXXX XXXX Police report and submitted a Federal Trade Commission Identity Theft. 

I have submitted a fraud investigation request to TRANSUNION, however they are unwilling to dispute and remove the fraudulent inquiries that are listed below. 

Fraudulent Accounts XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2019-08-15
Company: CarMax, Inc.
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: Investigation took more than 30 days

Complaint:
In an event unrelated to the company, I have a missing payment. However, the past due minimum payment that was disclosed in the billing statement, and the payment module for the company was made on XX/XX/2019. The payment was not applied to the payment due, and delinquency was reported to the consumer credit reporting agencies. I have requested the delinquent comment be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 : A person with a fake check went into XXXX and cashed a check drawn on the check. To my understanding he was able to get money in the amount of {$390.00} in a combination of goods and a gift card. The check was presented to Chase bank on XX/XX/2020 for payment. The alert came to my phone by account was overdrawn by XXXX @ XXXX XXXX. 

I didn't expect for XXXX to know it was a fake check, but when the check came to the bank to be paid it should have been immediately flagged. It went through the bank to be process for payment., thus the overdrawn alert. 

The stress and fear that came with this alert was insurmountable : Questions as to whether my other accounts could be targeted and compromised. Its too hard to get answer from the claim/fraud department on hold for over 30-1 hr. Haven't had a follow-up call or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Commercial Acceptance Company
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Debt Collector that I am filing this complaint is against Commercial Acceptance Co in the amount of {$290.00} I am writing this complaint because I am XXXX years old and I was a pedestrian in a hit and run. During this incident, I was rushed by ambulance to the hospital by the XXXX XXXX XXXX XXXX XXXX. When I spoke to the hospital as well as speaking to my attorney they said NJ XXXX is responsible for this not me and that all bills should be submitted to them. I saw this debt along with a hospital bill from another debt collector on my credit report from this incident that occurred on XX/XX/2017. The debt collector for the hospital bill handled the situation immediately. I explained it to them telling them that I was not responsible and they wiped off the debt no problem. This debt collection agency for the ambulance is horrible. I even said that I would have my attorney speak to them yet they refuse to give any information whatsoever to me or my attorney. They did say that it could possibly be written off but when I asked how they shut up immediately. The second time I asked them for the information as well as asking if they spoke to my attorney again they would not give me any information about the bill and they refused to talk to my attorney. They were rude and practically hung up on me when I was telling them that NJ XXXX was entirely responsible since they are the insurance that pays the bills for pedestrians involved in these situations who do not have auto insurance. My credit report is being ruined because of this debt due to me being a victim of a hit and run. I am XXXX years old, I broke my pelvis from this hit and run and my only source of income is Social Security. I shouldnt have to pay for this that the NJ XXXX insurance was supposed to cover. I even spoke to XXXX and XXXX even agreed with me. I also have tried to contact the XXXX XXXX XXXX XXXX XXXX and they never answer their phone so XXXX and I have no way to contact them to have them write the claim off directly. I have filed disputes on XXXX   and XXXX. I have also put in a dispute to the XXXX. Commercial Acceptance Co. is a money hungry and greedy company that is disgusting to go after a XXXX year old man who was hit by a car for {$290.00}. They said it could be written off but they just wont do it. They ruined my credit report and they are rude to me on the phone when I have tried to speak to them over a debt I am not responsible for and they refuse to let it go. My attorney, XXXX, and I all agree that I should not be held responsible for this charge! I want this written off and taken off my credit report because I need to take out a loan for medical expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XX/XX/19 my XXXX phone number was stolen and ported to another carrier. ON same date my XXXX XXXX indicated someone opened a best buy credit card. this dropped my credit score. I then called best buy and they put a stop on it. it still shows 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 2020-05-18
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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX and Transunion should not be reporting the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of an account that exceeds the time frame to report 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 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: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/2020 I received an email that my American Express Bluebird card was suspended permanently due to violating section 22 ( d ) this was due to a recent review of my account. I have been with Bluebird American Express for 6 years. My payroll deposit was due to show up at the same time I received the email. So Bluebird is holding around {$700.00} of my money. I attempted to call the phone number on the contact us page and there is no option to reach an agent. The automated service advised that my account was suspended and hung up. I am not sure what the violation was either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXXspoke with supervisor XXXX about the interest being charged ( XXXX ) on a daily basis, in addition to the APR of XXXX. The amount of the loan was for {$600.00}. I will end up paying 3X 's as much ehich is unfair to me as a consumer. In addition, they are not sending me any transaction receipts or anything. They have been received their funds back and much more. They are robbing me as a consumer. I have tried going on their website, Amplify funding.com, yo retrieve my info but was unable to access the site.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
BANK OF AMERICA #XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX
Report Created On: XX/XX/XXXX
File Number: XXXX
Page 1 of 23
Date Opened: XX/XX/XXXX
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: FLEXIBLE
SPENDING CREDIT
CARD
Date Updated: XX/XX/XXXX
Last Payment Made: XX/XX/XXXX
Original ChargeOff: $XXXX
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed: XX/XX/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 2021-03-27
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Gemini Trust Company , LLC has fraudulently stolen assets from me through their cryptocurrency exchange - it has been almost half a year and the company has yet to " verify my identity '', this lack of " verification '' prevents me from withdrawing and or selling any of my assets. I have sent them the required documents in order to be verified - I have contacted them several times but fail to receive any clarification as to my verification status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed, and I have several accounts that have inaccurate information and I will be filing a police report to remove the information thats unknown its so much information thats inaccurate XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SEVERAL ACCOUNTS showing inaccurate and incomplete information, I will be filing a police 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 2018-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit reporting agencies are continuing to report these accounts inwhich has not been physically verified but only told by an agent of the company that the account is mines, however according to FCRA, them accounts need to physically verified and the consumer needs copies of such documentation.

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: WY
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:
XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the DEPTEDNELNET partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2021-02-25
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Escrow management issue : We have refinanced loan with Quicken ( Loan no. XXXX ) and loan was closed on XX/XX/XXXX. During Closing we are asked to pay {$2100.00} toward prepaid of Homeowners insurance ( HOI ) and told that since HOI renewal is due in 60days hence you have to pay and it will be directly sent to HOI company. 
On XX/XX/XXXX Payoff was made to prior lender but HOI company haven't received {$2100.00}. 
a ) I followed up with Quicken via online chat ( agent : XXXX ) on XX/XX/XXXX and via email on XX/XX/XXXX ( responded by XXXX XXXX on XX/XX/XXXX ). We were told that this was paid at closing so Quicken can not help and please contact broker. ( First thing its shocking that Lender is running away for their responsibility and not helping when its their closing document. This was poor customer experience in 1st month and don't know how they claim as best in customer service. ). 
b ) We sent couple of emails to broker ( who also happen to be Quicken loan officer ) but never responded. 
c ) Now on XX/XX/XXXX we followed up with Title company ( XXXXXXXX XXXX XXXX ) and they responded that seems like check is lost in transit and they will stop payment this check and send other with overnight delivery. 
d ) Hoping Title company will resolve as they responded on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Self Financial Inc.
State: MA
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 have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: CONSUMER PROTECTION ASSISTANCE COALITION, INC
State: CO
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 have fat along with XXXX at XXXX XXXX since XX/XX/XXXX at which day failed to provide me with information on the income based repayment program as well as Ombudsman group advise them to remove all credit reporting on payment history prior to my bankruptcy on XX/XX/XXXX and they still after 2 years of complaints have failed to do so which is causing a negative effect on my credit bureau as well as fifteen years now in late fees repayment for XXXX 's deferment they never once advised me of the option of income based repayment program which makes my account balance a XXXX amount owed every month due to the fact of being a single mom of XXXX children. So I want to file an official complaint against baby and in regards to never vitamin all information which could have assisted in repayment options for the last 15 years as well as increase balances of {$5000.00} in the last 15 years as well as late fees and they refused to advise me of the information in regards to trying to include myself in the mass litigation against XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-12-08
Company: Paramount Capital Group, Inc.
State: OH
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 have been unemployed since XX/XX/2020 due natural disaster ( COVID-19 ) I called Paramount Capital to inform them of my circumstances and was given the option to defer payments for a few months. Upon calling to ask if deferment was still available I was told yes and if I did not receive a call from company that means I have been approved and no payment would be due. Upon checking my credit report the company never called to inform of late payment which resulting in payment to go beyond 30 days late which has caused a negative impact on my credit report. The date they have reported late payment was the month of XX/XX/2020 in the amount of XXXX. I have tried to resolve this issue with company as well as disputing with the 3 credit bureaus stating this was due to a natural disaster and I am and have been an exceptional customer prior to the outbreak of Coronavirus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: SYNCHRONY FINANCIAL
State: NV
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:
walmart has processed a derogatory status on my account.this process is illegal as they have been paid negative for 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 2019-08-15
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted experian with documentation stating I didn't have any knowledge of a debt owed and I provided supporting documentation regarding these collection. The other bureau 's removed the incorrect information, but experian refused to have this collection removed. I believe they are discriminating, I constantly monitor my credit and know what is happening all the time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX  XXXX  XXXXDispute XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ftc violations or fcra inaccurate accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX  XXXX  XXXXDispute XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ftc violations or fcra inaccurate accounts

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