BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, GA 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 2021-07-20
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
ACH cash express has been harrashing me and has treaten me with a laywer and has cause me to get fired from my job with all the calling they have done. it a pandemic. they have not contacted me till now about the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Direct Recovery Services, LLC
State: NY
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:
Re Direct Recovery, XXXX. They were hostile and I don't think I have any unaccounted for debts. 

XX/XX/18 XXXX I got a phone call on my cell phone from XXXX, which I let go to voice mail. The message said that because I did not respond previously that I needed to call XXXX. There were no details. I called XXXX on my work phone around XXXX XXXX. I asked who is this business. He said Direct Recovery, then he said hostilely to look it up on line. I said what is this regarding. He said they were debt collectors. He was very upset that I did not call from my cell phone. He was hostile on the phone ; he was asking for my information. I said before I give it to him I need to know more. He cut the phone call short. 

I do not know what this is regarding. I don't know what I owe that I'm not already paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 not consented to a contract, so there can not be an existing Judicial contract for child support. There is a separation of powers issue along with a number of FCRA and due process issues that are routinely as a matter of habit violation. How can one be court ordered lawfully to be coerced into participating in an executive branch program through the judiciary. You just can't. FCRA 622 reads : Notwithstanding any other provision of this title, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 604 [ 1681 b ] of this title any information on the failure of the consumer to pay overdue support which is provided ( B ) to the consumer reporting agency and verified by any local, state, or Federal government agency.

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 2020-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello. I was furloughed earlier this year due to Covid-19. Before I had a chance to reached out to Bank of America regarding a deferral on my Visa card, my account went over the credit limit by {$67.00} for 3 days ( on XX/XX/20 ). The overage amount was not due to a purchase but rather to {$100.00} in finance charges being applied to the account on XX/XX/20. Even before applying for a covid-19 deferral, I quickly brought the account under the credit limit on XX/XX/20 by paying the monthly payment due. I subsequently applied for, and was granted, a covid-19 deferral, which I truly appreciate. It was my understanding, however, that credit card companies were going to extend certain credit reporting courtesies during this time of crisis, including not reporting consumers as over the credit limit if this occurred. This event has negatively impacted my credit score and I would greatly appreciate it if Bank of America would remove reference to the account going over the credit limit from my credit report in light of the circumstances.

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 2023-09-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX Account XXXX This account reported a late payment on ( XXXX, XX/XX/2023 ) the company Agree to remove the late payments from my report and change it to Never late. The account status should be never late. Please remove any late payment on this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: NY
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:
n accordance with the Fair Credit Reporting act Department Ed XXXX Accounts ( 4 in total ) Late payment in all accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

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 2023-07-16
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello, my name is XXXX XXXX. I am doing a formal complaint for U.S bank, regarding a credit card application XXXX that Ive submitted since couple months ago. I have to mention that I have a checking and savings account with the financial institution since XX/XX/2022. I am a person whos always on the top of my credit score, managing my credit bureau at XXXX, XXXX and XXXX. 
U.S bank is declining my credit card application because due to too many trade lines opened in the last XXXX  months. 

Fist of all I demand to U.S Bank to provide me an exactly number of how many is too many tradelines for the bank. Because too many is not a concise, clear and understandable answer for any customer. 

I met all requirements : *I have account history with the bank *My credit score is XXXX *I am a full time employee with an anual income of {$56000.00} *all payments due to date *no collections I called U.S Bank after get the letter with the explanation, the corresponding department never provide answers for my questions, and the documentation is not clear, please do a research to verify information by the recorded calls. 

Is not acceptable for me, to be part of a bank that provide features and benefits to just SOME of the customers. 
On my criteria, I understand that credit lines represent requirements in order to be approved, also I know that banks must provide to their customers with an explanation of denied applications, but TOO MANY TRADELINES, IS NOT an answer. I have some credit cards and a car loan, with no pending balances, credit usage of the 6 %, Exceptional payment history, Simply, U.S Bank is being discriminatory, with no concise reasons to denied my application. I demand to be approved for the credit card application, and have the right to enjoy the bank benefits like any other costumers that meet requirements established for the bank and 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 2021-12-07
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing ( SLS ) became my loan servicer after purchasing my loan from XXXX XXXX loans. I paid my first payment to XXXX XXXX  loans on XX/XX/21 as scheduled. On XXXX, XXXX forwarded the payment to Specialized Loan Servicing as they were the new servicer. On XX/XX/21 at XXXX, XXXX XXXX for the forwarded mortgage payment check at their office in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX by someone with the last name of XXXX ' XXXX I have since made 5 phone calls asking the payment to be applied to my account and asking the company to stop the harassing phone calls about 'a missed payment ' as they had the check and there was proof of delivery. Each time they state they don't know where the payment is but there is proof of delivery and they are now assessing late fees even after multiple calls asking them to please look for the payment. I have emailed them copies of the proof of delivery, screenshots of my bank account deduction from the previous lender and tried to fix this on my own but i cant get help.

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 2022-12-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had automated monthly payments for parking rent paid through XXXX. These payments started XX/XX/XXXX and had no issues. 

On XX/XX/XXXX the pament was not accepted. The payment also expired on XX/XX/XXXX. However, on XX/XX/XXXX the payment was accepted. On XX/XX/XXXX I was informed by My payee they did not receive it. 

on XX/XX/XXXX I called chase bank to file a complaint. According to a chase bank representative, the registration of the phone number associated with this account changed. Someone changed the phone number to being registered with a different account so even though the funds were sent to the same place, they were diverted to a different account. I was then transferred to a different representative to file a claim in a process that left me on the phone for 39 minutes without a resolution. 

I was not tricked into sending money to someone I didn't know. This was an automatic monthyl payment, and someone switched the registration of the account associated with the number in order to steal the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: LEXISNEXIS
State: NC
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:
I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why its dismissed. Well today ; I logged onto PACER to verify that all of the information was correct ; ie. case numbers, closing dates ; etc., and I noticed that the case number listed on all 3 credit bureaus are incorrect. The case number listed in PACER is XXXX ; however what being reported on all 3 credit bureaus and probably Lexisnexis and XXXX is incorrect information. Its being reported as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 items and update them immediately in my report : XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$850000.00} and XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$560000.00}. Please update.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act Department Ed XXXX Accounts ( XXXX in total ) Late payment in all accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

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 2023-07-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : {$840.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Nelnet moved my account out of unemployment forbearance in mid-XXXX without a notice to me. No letter, no email, no call. I reapplied for the forbearance via postal mail. 

XXXX rolls around. Nelnet sent me no letter, no email, no calls. 

XX/XX/XXXX - Nelnet finally contacts me and tells me Im 1 month behind. They want {$350.00} or thereabouts. 

Nelnet, by failing to communicate in any way, deceptively led me to believe I had the forbearance issued by the CARES ACT. Apparently they say my loans starts with a D, which means sorry I dont get that. No letter, call or email about that either. 

I filled out a forbearance form today XX/XX/2020 in response to the first communication I received from them since well before XXXX. No notice or an end to a forbearance, no bill, no calculated payments, nothing. 

I requested an administrative forbearance, as well as a renewal of my unemployment forbearance. I have no job, I eat XXXX  once a day if Im lucky, sometimes half a can of tuna. I dont qualify for food aid because Im a male, and there are no jobs. 

I am at the end of my rope.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have a lot of unidentified inquires on my credit report and it is causing harm to my credit i have a lot of hard inquires and other types of inquiries. some are for XXXX XXXX XXXX and 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 2019-09-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Company : Synchrony Bank Credit Card : BP Visa Description : Moved from XXXX   to XXXX. Disconnected land line in XXXX. Set up land line in XXXX through XXXX XXXX XXXX cable, phone, internet ). Cell phone through XXXX XXXX. Synchrony Bank uses cell phone to call regarding late payment. Refuses to use same phone number for identity verification. Claims that their outside agency does not verify that number as part of their system therefore they can not use that number to call me with an identification code. Asked them to call land line but had the same issue. Stated that they could send me a link to the number that they were calling me on to demand payment and I could take a video of myself with my identification card and send that back to them. Told them that I had never taken a video of myself in my life so that their system might work for some but was not working for me. Was told that they could send me a letter which would arrive in a week and them I could call them back and they would update my telephone information if I could tell them what was in the letter. 

Issue : Synchrony Bank has instituted a system that discriminates against senior citizens. I have a cell phone but it is not good enough for them because as a company that targets seniors, XXXX XXXX is not worthy of being in their verification system. If they are supplied with a cell phone number by the customer that they use for collection, they also need to use that phone for identification verification.

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 2021-12-07
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I bought a XXXX XXXX in XXXX. In XXXX, I had problems paying the note. The original loan holder sold my debt to a debt collector. Isn't it against the law for a finance company to give your social security, name, address and loan information to another party without your permission?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Previously, in complaint number XXXX, I complained about Synchrony Bank XXXX interest charge on my account in XX/XX/2023. Their response was to credit my account with {$14000.00}, which appeared on my statement as a " credit balance '', A short time later, I sent Synchrony a letter asking that they close my account and send me a check for the credit balance. I received a response from them stating that they had closed my account, but that I would continue to receive statements because of the credit balance. No information was given on how to recover my credit balance. Since the account was closed and the credit cards destroyed, I could see no way to get my money back. 
It is now XXXX and Synchrony has sent me additional routine statements showing the credit balance, but offering no mechanism for a refund. 
I would like my money back in cash, check, or electronic transfer. Since they have withheld my money for over XXXX months for no legitimate reason, it would only seem fair that they pay me interest on it. I will settle for 1 % per month for the XXXX months, which is less than half of their APR of 26.99 %. {$140.00} x XXXX = {$730.00}. 
Thank you for your prompt attention to this matter.

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 2022-08-06
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was using Zelle through XXXX XXXX XXXXXXXX to send my rent money in. The recipient DID NOT receive the funds into his bank account, however he received a text from Zelle saying that the money is ready through XXXX. He does not bank through XXXX he banks through XXXX XXXX. I called both XXXX XXXXXXXX XXXX and Zelle, and they were both very unhelpful. They filed a claim on fraud for that transaction, which, weeks later, was apparently denied. This goes beyond me getting my money back, this is a blatant crime!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: DISCOVER BANK
State: NY
Product: Credit reporting 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:
Discover Credit card was removed per cfpb and then it was reinserted on XXXX. I also have an inquiry from Discover that I have no XXXX of or have given permission. By law it has to be removed.

Company response to consumer: Closed with non-monetary relief