BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
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:
TransUnion is reporting fraudulent items on my 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 non-monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Aside from my complaint last XX/XX/XXXX which the companies responded with deletions being made but not all got deleted. My complaint last XX/XX/XXXX and XXXX, XXXX was closed immediately. Please don't close my complaints because there are still MULTIPLE fraudulent items on my credit report. I'm reaching out AGAIN for assistance to remove them from my credit report immediately.

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 2018-09-14
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was in a severe car accident back in XX/XX/2016. Due to injuries I could not work nor make my mortgage payments. We filed for mortgage assistance and refiled and refiled for 2 years. For 1 year they told us to pay a forbearance plan. Then they denied us for assistance and stopped accepting mortgage payments. We told them we could make the full payments and they told us to just pay 75 % of the payment. They then stopped accepting payments unless the total pass due was played in full. They sent us a pre foreclosure notice so we panicked and sold the house. Multiply times we asked what our payoff was and they told us a specific number. Then we get to closing and there's a charge for an extra XXXX dollars that was not previously discussed. They had no answers for us when we disputed it. XXXX XXXX is the lender.

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 2020-10-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I got stuck in XXXX XXXX because of Covid 19. I opened a bank account last year with 5/3rd Bank Corp prior to leaving where I was promised that the account would work without any issues.

Hence forth this has been the furthest from the truth. Because of antiquated and outdated systems 5/3rd blocked access to my account some 11 months ago online and caused numerous problems with. There is never a way to determine if there is theft or fraud - and often I have to hold at least 30 minutes to an hour. 

On XX/XX/2020 I was expecting my account balance to be over {$1000.00} more than it was. Alarmed I contacted the bank only to find out over the past year there was a variance of small but meaningful fraudulent charges that added up to a minimum or {$680.00}. And caused many NSF fees, at the point of discovery the person I spoke with on the bank had told me there was at least another $ XXXX more in NSF 's and not to worry the money would be placed as a provisional credit within 9 business days. 

I called several times to follow up with this and each time was promised that there were no problems. Apparently this was not the case - instead of giving the provisional credit like I was told - they gave nothing and didn't communicate that to someone whom told them he was XXXX miles from home. They cancelled the debit card that was mine, thankfully my son was here in XXXX with me and I had the foresight to add him to the account. 

They didn't give the credit they told me I was getting after communicating that they were. I thinking I had a different balance was using that amount and adding money as needed. In reality 5/3rd intentionally kiting NSF fees once again totaling almost from what I was just told {$490.00}. After I just spoke with them they said it was because the disputed charges were " too old ''. Less that a year mind you, but it was too old. 

This is not acceptable : how can a bank block you from being able to view your account, foreign currency conversion fees are often all over the place which creates difficulty in keeping a register - but even then, if it is communicated that one is told that they have x $ but in fact they do not - that is intentionally kiting a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have an XXXX XXXX XXXX XXXX XXXX XXXX. According to the card benefits I am protected up to {$5000.00} for trip interruption benefits. I filed a claim for a trip that was cancelled due to weather on XX/XX/2018. I have spent countless hours on hold and on the phone with the company only to get the run around. They have denied my claim without reason, or their reasons are inaccurate. 
I was stuck on the tarmac for 3.5 hours and miss my connecting flight and missed the cruise in XXXX. According to my card benefits, I am covered for the cost of the trip, however they are denying my claim without reason ( or the reasons make NO SENSE ) They give me phone numbers that aren't even in XXXX to call. I have spent the past 2 months working on this and the last call was 58 minutes long before I had to hang up while on hold waiting for someone. 
My entire trip was cancelled because of weather. I have an email from XXXX XXXX, which I sent to the credit card company, confirming that the flights were cancelled due to weather. 
They are a fraudulent company offering things that they won't delver on. 
I am don't know what further actions to take besides reporting them. 
Please 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 monetary relief
Consumer complaint received 2018-07-17
Company: SYNCHRONY FINANCIAL
State: TN
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/18 I paid XXXX {$1500.00} check to apply to my balance. it posted to my account. On the same day I requested a new credit card. Not because it was lost or stolen I just needed a new card. on XX/XX/18 I paid XXXX {$1500.00} cash to be applied to my card. They had to give me a new account # due to me asking for a new card. The {$1500.00} cash never posted to my balance. I have spoken several times to XXXX and they cant seem to get the {$1500.00} cash posted to my account. They say there is a " hold '' on that money. It was cash there should not be a hold. They agree but cant seem to get it applied to my balance. I have spoken to someone there atleast 5 times since XXXX. It doesnt look like they are going to have this fixed anytime soon if ever.

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 2018-09-14
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XX/XX/2016 I STARTED LOOKING INTO MY CREDIT. I WAS LOOKING TO OWN A HOME START A BUSINESS. AND DOING SO, I HAVE BEEN LET DOWN WITH THE SERVICE THAT WAS GIVING AND THE RETURN NOTHING WAS EVER DONE. I HAVE PAID FOR PRODUCTS AND SERVICES I WAS UNHAPPY WITH. I STARTED APPLYING FOR CREDIT KNOWING MY SCORE WAS ABOVE GOOD XXXX. THE LETTERS I GOT STATED MY I WAS NOT GIVING CREDIT. WOW! SOME DID APPLIED FOR A CREDIT CARD AND USED IT TO THE MAX. 
TO THIS DAY, ALL THREE BUREAUS AND ANY OTHER BUREAUS HAVE NOT CORRECTED ANYTHING I HAVE REQUESTED. 

PLEASE NOTE : I HAVE CONTACTED THEM BY PHONE AND ONLY ASKING TO SPEAK TO SUPERVISORS. TO THINK THEY WOULD GET THE JOB DONE ON MY SIMPLE FILE. I GAVE ALL THAT WAS REQUESTED, POLICE REPORT, ETC ... 
I HAVE EVEN MAILING LETTERS. NOTHING! 

IT IS NOW 2 YEARS LATER STILL NOTHING WILL MY CREDIT REPORT EVER BE DEALT WITH IN A TIMELY 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 2019-06-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My complaint is based on using financial institutions to conduct my business properly due to identity theft, some of the disclosures which I received were not accurate, as a result this has been an atrocity that has hendered me from completing personal and business needs, with the help of the fair credit reporting act, hopefully this can outweigh all the challenges I've been faced with, in the future whatever information you need from me I can provide, I've also started a credit repair due these allegations which are not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Fedloan Help
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Qualified for a better loan than the one offered

Complaint:
I XXXX XXXX loan forgiveness and found the site : www.federal-help.org ( NSLfC ) I left my name and number as well as debt amount and they called me back with an estimate for a rate reduction plan through their consolidation company. The perfect salesman ( XXXX ) got me to give him my XXXX ID, social security, address, electronic signature, other personal information as well as my debit card in which he used to charge {$290.00} for a processing fee. I immediately felt there was a problem and called my bank to cancel my account. Then I called XXXX back to be refunded. He never followed up with confirmation. Then I called my credit card company ( XXXX ) to be sure I would not be scammed again and I was transferred to XXXX XXXX XXXX which turned out to be another scammer who got me to pay another fee of XXXX to clean up my credit. I again felt this was a scam and had to call back my bank to cancel my credit card. Since then I have froze my accounts and change my passwords and tried to do as much preventive action I could take. I called back XXXX today politely asked for confirmation of my refund and he told me he could not do it but that the fee would go towards my plan if I continued to use their company and they promised they wouldn charge me the XXXX at the end of the month but fear they will try and fail.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-28
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I contacted the following creditors who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. I request you to show me PROOF how the following hard inquiries are factual records! Show me a signed credit application, giving them permission to access my credit file or DELETE the following hard inquiries. 
My lawyer will be waiting for your results from your bureau.

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 2023-07-13
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the company 's customer service representative. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On Thursday, XX/XX/2020 I relied on false and misleading information from a website maintained by Synchrony XXXX to my detriment. 
I had the need to hire a plumber and wanted to use my Synchrony XXXX card to pay. Aware that merchants need to be part of the XXXX network or they can not be paid from the card, I called the number on the back of my card, ( Monday, XX/XX/2020 ). I was referred to the Synchrony XXXX vendor list and I found a merchant on that list. Relying on the information provided by Synchrony XXXX from the website maintained by Synchrony XXXX, I hired the merchant. 

When it came time to pay, the card would not go through. I checked and received a multitude of different explanations. After 6 hours spent with Synchrony employees involved finger pointing towards myself and the merchant and denial of his status as a XXXX merchant, I took a screen shot of the Synchrony XXXX site. Three days later, the site still posted him as a XXXX merchant. The site listed the merchant under Synchrony XXXX XXXX XXXX furnishings. Due to false information provided to me by Synchrony Bank through a website maintained in the regular course of their business, I need to scramble to gather {$3000.00} during COVID. An amount I budgeted for by 6 months payments to the XXXX card.

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 2020-10-30
Company: SECURITY FINANCE CORP
State: TX
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:
i have disputed this unverified items with the collection company they have not been able to verify the debt is mine and they are still reporting to credit bureaus

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 2023-04-14
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I traded my vehicle in 2021 and it was paid in full. A loan release statement never reached me and now I'm trying to get a mortgage but the loan is still showing on my credit report. After 5 calls now to try and get a statement from them to state the loan was paid I'm still unsuccessful. I am told each time that the file has been archived and they can't access it. It's reckless to archive a file without updating the credit bureau. I stand a great chance now of losing my home loan due to this as it increases my debt to income ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The first call came about 1-2 weeks ago from Revenue Group claiming I owed a medical debt for the XXXX XXXX. I told him it was an error, and I told XXXX . XXXX then to Stop Calling Me, and even prefaced Stop Calling Me with the statement of Now That I'm Saying This You Must Abide ... STOP CALLING ME. 
He called again today, XX/XX/2018 at XXXX. I recognized his name, XXXX. I reminded him that I already told him to stop calling. He says " well i don't see anything in my notes ''. I told him It's not my fault if he neglected to note that, and now he's in violation of federal law. He tried to argue with me, but before he could I told him to XXXX XXXX and hung up. 
Those calls are on a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: AR
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:
Regardless of my previous request, the three credit bureaus neglect to fixed my credit accounts. With this situation, I want you to assist me in correcting the accounts immediately. It has come to my attention that the three credit bureaus have unlawfully disclosed my personal and private information to unauthorized third parties. I demand an immediate investigation into these violations based of the FCRA Section 605b. The following items should be corrected immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
Company: Penn Credit Corporation
State: PA
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:
Today i checked my credit report to find a new inaccurate balance owed to PENN CREDIT CORP for XXXX, i never did business with or had any interaction with Penn Credit Corp. They stated that they are collection agent for XXXX XXXX XXXX, i don't believe i owe them any money either. i am very speechless to find out that XXXX allow anyone to just add negative items to my report for whatever reasons. I will like complete proof and breakdown of how i own such amount, with a signed contract bearing my legal signature, proof of billings statements. I kindly ask Consumer Bureau to really investegate on my behalf to find out what's really going on because my family and i can't continue in this circle of uncertainty, with the mindset that at any time anyone can put whatever negative items on my report without legal rights or proof to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, INC.
State: MD
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:
In review of my Credit Reports, I noticed there were unauthorized inquiries listed. I never received correspondence that my credit was pulled using these sources and equifax did not have permission to furnish my report to these creditors listed below. 
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my wallet and phone were stolen while in the process of moving. 
I had to quickly get another phone and reconnect everything on my end. 

Police wouldnt file a report because I left my car door open willingly. As stated Ive been in the process of moving. On XX/XX/XXXX there was a charge for over XXXX $ on my card from XXXX XXXX. I didnt notice anything and havent checked my statements until recently because I usually get notices through my phone when I have ANY type of transaction. 

I disputed the charge through chime over the weekend. On the XXXX. They DIDNT even investigate. It took them maybe a few hours and I got a notification that the dispute was closed on XX/XX/XXXX. They said XXXX on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. how? It literally took them no time to investigate anything. I tried Calling and they said I will need to wait another 30 days before I dispute again? 

So if we get things stolen and have any unauthorized charges we are XXXX? Awesome

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
they call me at least twice a week To try to get me to refinance my house I explain to them I dont wan na refinance and can you please stop calling me.Every month when its time for me to pay my mortgage they transfer me to a sales person instead of letting me do it through the automation system, every month it makes me reset my password on the online app just so that I have called them so that they can try to sell me to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Bank of America Unauthorized or too many insufficient funds charges. Of {$35.00} for same transactions or when my account wasnt in the red.

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