BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-04-18
Company: FIRST NATIONAL BANK OF OMAHA
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I obtained a HELOC loan to pay off some credit cards in XX/XX/2019. XXXX XXXX  issued a Cashiers Checks to pay off my XXXX 's account. The check was written out for {$80.00}, paid to the order of XXXX XXXX. However, they accidently sent the check XXXX XXXX to First National Bank of Omaha. First National Bank of Omaha deposited the money into their account, and because the account number on the check was not an account of theirs, the money, obviously, was never credited to. my XXXX account. As well, it was not credited to the account I have with First National Bank of Omaha  : a XXXX XXXX VISA card. 

Basically, the cashiers check was cashed by First National Bank of Omaha, but never credited to any account I hold. 

On XX/XX/XXXX the check was received and deposited. I called XXXX for months to try to figure this out, and finally on XX/XX/XXXX, Macys informed me that the check was cashed by First Naitonal Bank of Omaha. They gave me the phone number for FNBO, On XX/XX/XXXX, I spoke with a Customer Service Rep and they told me to fax a copy of the check and the receipt from XXXX XXXX for this transaction and they would get back to me. I have since called them several times, written them letter and to no avail. They tell me they did not receive the faxed copies, or the written copy. 

I need help getthing this oney back.

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 2018-09-10
Company: Clarity Services
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: Account information incorrect

Complaint:
I had previously ( on XX/XX/2018 ) tried to get a payday loan, and was unable to due to not having enough open accounts, according to XXXX XXXX XXXX, I have a credit score FAR HIGHER than what is true and they wouldnt allow me to dispute it when I called in. I have 3 credit cards open, one for more than a year, and they also reported my credit score more than 220 points above what it actually is. I called to speak with someone at XXXX XXXX XXXX XXXX about disputing it, and was informed that they refused to speak with me over the phone regarding a dispute until they send me my credit report to ensure the information even needed disputing. They reported my score far higher, I already knew I needed to dispute it. More than two weeks later, I receive the credit report only to find what I suspected to be true ; its incorrect and needs disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was trying to buy a house and I realized I had damages on my credit report and according too FCRA 15 U.S.C. 1681 law there should be no damages to my report this is a defamation of my character.

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 2019-04-17
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I sent in letters to the credit reporting agencies, called over the phone and finally was able to reach a representative for both XXXX and XXXX  and tried as best I could to state my claims. Firstly these rep, helpful might I add but they both said they were not stationed in the United States nor could they locate the letters I send it. I'd like for a resolution. Please 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
Consumer complaint received 2018-02-05
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase of {$110.00} in XX/XX/XXXX. I inadvertently missed the payment and spoke with a representative that advised me to send in the balance due plus interest ( XXXX + XXXX interest accrued on XX/XX/XXXX + XXXX interest accrued on XX/XX/XXXX ) and the late fees could be waived. I sent in a payment of {$120.00}, which was applied on XX/XX/XXXX. The outstanding late fee of {$62.00} was not waived and has been COMPOUNDING and accruing interest ever since. The practice of charging late fees on late fees until the balance is out of hand seems abusive. I have since submitted a dispute ( XX/XX/XXXX ), however, XXXX XXXX appears dismiss disputes filed on late fees. They keep harassing me with collection calls 7 days a week. 

I am requesting that 1 ) the [ compounded ] Late Fees that have been assessed, became principal, accrued interest and charged late fees [ repeat ] for a total of {$350.00} as of XX/XX/XXXX be reversed/waived ; 2 ) my account be closed ; and 3 ) my credit be updated to reflect paid in full on XX/XX/XXXX with no late payments since. 

This practice is not fair and can put a consumer in financial hardship quickly. 
Thank you!

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 monetary relief
Consumer complaint received 2022-11-01
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Pay Pal allowed a company called XXXX charged me {$89.00} on XX/XX/XXXX. I never authorized this payment. Per Pay Pals policies, processes and procedures I have to contact XXXX and tell them I never authorized this payment. 

Pay Pal subsequently took {$89.00} from a payment that I had received from XXXX XXXX on XX/XX/XXXX. The payment was for {$230.00}. I never authorize Pay Pal to deduct a payment from a payment that I had received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Experian Information Solutions 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:
CFPB Case # XXXX against XXXX XXXX/ XXXX : XXXX XXXX acknowledged their inaccurate reporting of a 30 day delinquency and sent CFPB and myself letter acknowledging the inaccuracy to be removed ; Experian initially removed this error however it has now reappeared ; I have disputed this error with Experian , called Experian, and Sent the CFPB Letter to Experian via Certified Mail yet the inaccuracy continues to appear - Please help me resolve this inaccuracy I have worked tirelessly to keep all credit tradelines current and to make sure Experian and XXXX XXXX Are reporting accurate information thank you.

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 2019-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 never authorized a credit inquiry by XXXX XXXX on XX/XX/2017 but my TransUnion report says I did. I called XXXX XXXX to dispute the inquiry and have it deleted and they said they have no idea of any such inquiry as it does not show on their records. I then called back TransUnion to have it deleted but to no avail.

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 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have recently reviewed my consumer reports and I have found that there are items that should be excluded from my consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). This federal law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card should not be in my consumer report. To have no misunderstanding of the true definition of the lawful meaning of what a " credit card '' is I will state it. Pursuant to 15 USC 1602, a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By willfully not complying with these federal law makes them civilly and criminally liable.

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 2019-04-18
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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 Dpt ED/Navi they reported on my credit that the loans, they were supposed to make the correction to my credit report as the loans are reporting two or sometimes more for the same amount. It was explained that they would make the correction, but as of XX/XX/2019, the updates has not been made. When calling I am getting the run around such as call SallyMae, then I am referred back to Navient. Which the Dept ED/Navi are the people reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: The Outsource Group, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medicredit, a collection agency, keeps placing supposed debts on my credit bureau without contacting me regarding the debts prior to adding them to my credit file. The items in question have been paid by insurance but are still being posted on my credit file. I have dis [ uted all items and some have been removed while some have not. This is constantly lowering my credit score. This company has even went so far as to put the same account for collections in twice.

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 2023-07-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
( 1 ) Here the important facts : a. I was not informed of the intricate details on expiration of pricing quote. Not even once. 
b. Instead, the loan officer representing Citizens Bank informed me, that the bank is working towards waiving off the 1 percentage point even in XX/XX/2023. Provided screenshots of text messages for your reference. 
( 2 ) The Loan Officer never told me that the request of waiving off 1 percentage was denied. And had assured till the last moment of closing, that the 1 percentage point will be reimbursed. Also, on the day of closing the Loan Officer created a huge confusion regarding my loan amount. He is not reachable at all for any questions and clarifications, and it was a nightmare for us to complete our closing formalities. 
( 3 ) The Office of the Chairman is lying and hiding the facts, providing false statements about my complaint stating that the Loan Officer communicated to us, that the case was denied. 
( 4 ) This gross misrepresentation of the facts had caused a huge financial loss for me. I would expect that it is fair for the bank to take the responsibility and reimburse. 

The Loan Officer never told me that the request of waiving off 1 percentage was denied. And had assured till the last moment of closing, that the 1 percentage point will be reimbursed. Also, on the day of closing the Loan Officer created a huge confusion regarding my loan amount. He is not reachable at all, for any questions and clarifications and it was a nightmare for us to complete our closing formalities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01
Company: Immediate Credit Recovery
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX  balanced due, willing to pay debt ; however getting to many phones calls and letters in the mail, i wish for it to stop. calls come in about 7 times a day. thank you for the understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, i borrowed {$1300.00} from speedy cash and the first payment was ok {$77.00} and after that they were {$140.00} every other week and i am now unable to make these ridiculous payments cuz my hours have been cut at wk. I notified them but all i get now is i owe {$270.00} on XX/XX/XXXX, i am in default and i have sent emails and i get no reply i dont have a phone right now and i have asked for help maybe lowering the payments for a month or so they say to contact them if u cant make a payment and they will work with you. All they do is extend it 4-5 days out and tht dont help either! I am deperate i have called about filing bankruptcy and i may have to and i dont know what else to do.

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: MD
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:
These XXXX accounts have a charge-off status and a past due balance on my credit reports, these charge-off accounts should have a {$0.00} balance.Please update and/or delete these accounts immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for the Chase Slate card on XX/XX/XXXX and was immediately approved. The following day on XX/XX/XXXX at XXXX XXXX I called Chase credit card customer service to discuss a credit limit increase. When I spoke with a representative she told me in order to consider me for a credit line increase they would need to pull a new credit report. I explained that they had just pulled my credit 10 hours ago which is how I was approved in the first place. The representative continued to repeat herself like a parrot and I wasn't able to get an answer as to why they couldn't use the credit report that was just pulled. I asked to speak with a supervisor and was told the same exact thing. Neither representative would or could tell me why they had to re-pull my credit report after just pulling it hours ago. I was approved via an automated system and all I was wanting was a human being to review my credit as my existing credit limits range from {$23000.00} to {$38000.00} and the Chase card was approved for {$9500.00}. Most times when you call they are willing to review the application manually and increase the line. I happen to be in the financial world and am an expert on credit. The practice of pulling someone's credit twice within hours of each other should be prohibited as it is unnecessary and excessive. I'm asking someone to look into this and get back to me with a response. Chase should be penalized for this business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
CFR 1026.11 ( a ) ( 2 ) states " Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer '' I requested a positive balance of {$7800.00} refund on my XXXX credit card on XX/XX/23 and as of today, XX/XX/23, I have not received it. 

On XX/XX/23, I called and confirmed with the representative that the balance can be refunded to my checking account ending in XXXX in 8-10 business days. On XX/XX/23 I called again since it has been past the 8-10 business day window and was told it is still being worked on. On XX/XX/23, the balance was still not refunded. I spoke to a manager and said the case will be escalated and I should expect a communication by end of day XX/XX/23. Today is XX/XX/23 and I still have no received a response nor a refund of my positive balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: The Phoenix Recovery Group
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
PHOENIX RECOVERY GROUP have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 6. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 7. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 8. Violated 15 USC 1692e ( 8 ) ; Communicating false information 9. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 10. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 11. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 12. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt. 13. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 14. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 15. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 16. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 17. Invasion of Individual and Family Privacy For an attempt to collect a debt in the amount of : {$680.00} {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation