BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: MN
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 wrote a letter to XXXX, Equifax and XXXX asking them to take action to get my inquiries removed from their records and to remove any record of the inquiry with all credit reporting agencies. A police report was uploaded to each company regarding the unauthorized usage. Please investigate these inquiries at your earliest possible convenience to ensure my credit score is showing an accurate depiction of my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I noticed on XX/XX/XXXX there was a large charge to my Home Depot Credit Card account. I checked my account online and it said I was charged {$2500.00} in interest on XX/XX/XXXX  I immediately called and spoke to an agent to get this issue explained and resolved as they have a COVID-19 policy in place. The first agent was more than happy to assist saying that with the program there was a two month extension. I asked why I was charged so much and for what. She explained I bought a product during a promotion and the interest rate was 0 % for two years but that it was deferred. I explained that is not how the representative at the store explained the program to me at all. They said I had two years of 0 % and then I would pay interest on my balance thereafter. I was then transferred to a second agent who said she could put me in the program but that in order to get rid of the {$2500.00} interest charge I had to pay {$3400.00}. Then on XX/XX/XXXX, I received an email from Home Depot saying I was enrolled into the COVID-19 program and that any promotions would be extended by two months. I called the customer service line again, the representative said I could not have my promotion extended and to get rid of the {$2500.00} interest charge I had to pay {$3400.00} by XX/XX/XXXX. I asked her if I had been paying on my credit card, over the minimum balance, for two years why did my balance for my promotional purchase not decrease? She said that all my payments went to revolving purchases and interest and none of my two years worth of payments went towards my promotional purchase. Now two years later I owe exactly as much as I did when I purchased the product. I did not enroll into the promotion it was going on when I bought my product and there was never an option to opt out, the representative at the store was misleading and/or misinformed about the promotion, credit services did not put a single payment towards the promotional balance and credit services now refuses to help, even just for two months during a pandemic.

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 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2500.00} does not belong to me. This account was fraudulently opened through  this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Experian Information Solutions 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:
Experian refuses to remove Chapter XXXX dismissed bankruptcy from 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 2020-05-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. Misrepresentation about non-interest program made in XXXX and XXXX of XX/XX/2019. 
2. Failed to describe the terms of a program that we enrolled in so that we can properly discharge the debt. 
3. Ignored FDCPA regulations. 
4. Co-mingled separate entities and accounts. 
5. Misrepresented information about credit reporting that had extremely negative consequences. 
6. Bounced the collections between American Express and third party collections teams but inconsistent information regarding debt we are not responsible for. 
7. Ignored two cease and desist requests. 
8. Refused to connect us with their legal department in regards to discussion of unfair practices.

9. Acted with trickery, deceit, and willful ignorance and purposefully evading specific problem areas and failing to honestly respond to questions and communications.

10. Refused requests for any written communications in regards to the debt collection.

11. Refused to review previous discussions with internal agents and third party discussions between collection staff and myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
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:
The account from XXXX XXXX for the amount of {$1300.00} was investigation and the Credit Bureau removed the account because the information was not valid.. Sometime passed then the account was back on my credit report ... In which it was disputed and removed again. This account not valid. This account has been removed from my credit report then place back on several times.

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 2023-05-11
Company: EQUIFAX, INC.
State: TX
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 requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I submitted a dispute to XXXX, XXXX and Transunion regarding a Public Record ( Bankruptcy / Ref XXXX ) that is being reported on my credit files. They have all responded that the information was verified and accurate, however I have contacted the court and their response is enclosed. It is clear they do not report or verify information to any credit bureau. Therefore the information that is being reported is false, and has not been verified, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681I ) and the information must be DELETED 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 explanation
Consumer complaint received 2020-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Good afternoon, During the Covid19 pandemic my husband lost his job. We are still having problems on making the payments. I reach out to the credit company to reset my payments on XX/XX/XXXX spoke with Employee # XXXX I was advised that the payment will be reset and I will not be responsible for pay for the month of XXXX, meanwhile this was reported to the credit bureau. On XX/XX/XXXX called again spoke with employee # XXXX she advised that the credit bureau has been updated on XXXX ( which until this date the credit score is not reflected ). In addition to that I was told that XXXX payment for XXXX will be reset as well. On XXXX I called again spoke with e # XXXX I was told that there is nothing in the system about the XXXX payment and was advised that the credit bureau was updated on XX/XX/XXXX ( still not showing any changes - my score significantly 33points  went down due to this situation ) Im a XXXX worker it is very difficult for me to spend hours on the phone to resolved this. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Synergetic Communication Inc
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Synergetic Communication has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
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: Credit inquiries on your report that you don't recognize

Complaint:
Please remove the following inquiries from my Transunion credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2018-03-01
Company: JPMORGAN CHASE & CO.
State: NY
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 I received a phone call from Chase regarding possible fraudulent activity. I was asked if I had made a purchase at USPS for {$480.00} to which I responded no. They then asked of I had made two different transactions at a XXXX Atm for {$43.00} each time. I responded no. I was told not to worry I would not the responsible for these charges and that they needed to file a claim to return the money into my account and that it could take several days. I checked my account and 2 days later I seen two credits for {$43.00} and two non chase atm fees of {$2.00} were returned into my account but not the  {$480.00}. I called chase to find out why and was told that it was denied. When I asked for a supervisor she placed me on hold and said the request was done incorrectly and had to be redone. I said fine. Later I checked my account again to see if there was any other activity and found I was being double charged for XXXX for several months. I called XXXX who said I had two open accounts. I explained I should only have one and asked for information as to who opened it they refused to tell me. They said to call Chase and report it as fraud. Which I did. Chase then indicated they can only go back 60 days to return the money and to call XXXX to have them report the fraud. I call XXXX back and they decided to close the extra account and refund my money. I called chase to advise them. I was told unfortunately since it was reported as fraud there is nothing they can do with my report and that the fraudulent charges on XX/XX/XXXX ( {$480.00}, {$43.00}, {$43.00} and the two {$2.00} non chase arm fee ) were denied because there was fraudulent activity on my account since XX/XX/XXXX which I never reported. They also claimed that I said I lost my debit card and therefore there was nothing they could do for me. I even called the executive office and they still denied giving me my money back. Had I known reporting the XXXX charges would cause an issue with the actual fraudulent charges on XX/XX/XXXX would have never reported it. However, from when I called them on XX/XX/XXXX I was told the claim was denied. Seems chase just is looking for the easy way to deny giving me my money back from my account which they failed to keep safe. Someone created a fake atm card and found out my pin and was able to take {$570.00} out of my account. I think it is unfair for me to not get my money back when it was fraudulent charges! I want them to investigate and get this person arrested! I want my money back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX {$830.00} THIS IS FRIVILOUS AND I CANT GET ANY ANSWERS FROM XXXX XXXX. THEY HAVE LITERALLY BELITTLED ME AND VIOLATED STATE LAWS. THIS DEBT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.

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 2020-11-24
Company: MORTGAGE CLEARING CORPORATION
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I completed an applicaion to refinance my home on XX/XX/XXXX with Mortgage Clearing Corp., however even before completing the application a hard credit report was pulled. Since the hard credit report was pulled I decided to complete the process. I completed the application and contacted the mortgage company I spoke with XXXX XXXX a loan officer who told me that they were backed up but he would call me right back to answer my questions and check on the status of the application. I never heard back from him so I called again on XX/XX/XXXX 3 seperate times left a message again no return call. I called back on XX/XX/XXXX, XX/XX/XXXX left messag for XXXX XXXX or XXXX not certain of the last name and XXXX no return call. Called back on XX/XX/XXXX left message with XXXX no return call. Called XX/XX/XXXX spoke briefly with XXXX, he said he wasn't sure why the delay and that he would check on it and call me back. No returned call from XXXX or XXXX. Called back on XXXX left message with XXXX no return call. Called back on XX/XX/XXXX got XXXX 's voice mail did not leave a message. Called back on XX/XX/XXXX left message for XXXX, called twice on XX/XX/XXXX left message for XXXX and for XXXX. No call back. Emailed the mortgage company on XX/XX/XXXX pleding for a return call, no call back. Called XX/XX/XXXX and this time I was put in the voicemail box of XXXX, left message. The voicemail of XXXX said if you applied for a loan you should hear back within 2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: OH
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:
Hi, I do not recall these inquiries and request removal or supply supporting document as required by Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. 

I have reached out to all of the companies within this list via certified mail and received no response : XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Please provide any application suppling this inquires.

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: MORTGAGE SOLUTIONS OF COLORADO
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been working with Mortgage Solutions Financial to resolve a lost draft claim for nearly 12 months throughout XXXX. In XXXX, our home had water damage where we filed a claim with our insurance company. The mortgage company held the funds and was to release them back to me as we completed work and received sign off. In XXXX of XXXX, construction was completed and all the final documentation was submitted to the lender for final disbursement. I contacted them and they said they had everything and would send out an adjuster/appraiser to verify the work was complete. That was done the second week of XXXX and I was told I would have the final disbursement in two weeks. 
In XXXX of XXXX, my load was transferred from one lender to another and during that process, all the paperwork for the lost draft reimbursement was lost by the lender. I had to work with them through XXXX to recover as much as possible to resolve the reimbursement which came in XXXX. 
During this time, the lender charged me late fees for the mortgage payments they were holding in lost draft and wouldn't release. I escalated often that this can be handled one of two ways, either pay me interest owed on the monies they incorrectly withheld and I will pay them the late fees or waive the late fees and I will waive the interest charges they should pay. They are unwilling to do either and after nearly 30+ phone calls, they fail to take ownership of their failure/mistakes and never have they owned the problem. They continue to pay not my department game and shuffle me back an forth to avoid accountability. Clearly they not only have faulted processes and systems but their employees and leadership don't take accountability for their actions as a company. This could be easily resolved but their leadership won't step up, which is disgraceful Please contact me for additional details as necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-05-27
Company: Carvana Group, LLC
State: NV
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 purchased a used vehicle online via XXXX, XXXX. On XX/XX/XXXX, XXXX sent a copy of the credit score they used from Experian to determine financing. The score provided by XXXX  was XXXX. I called XXXX the same day to ask why the score they used was lower than the score I was seeing. On XX/XX/XXXX XXXX responded by telling me they use a combination of XXXX Score XXXX and XXXX XXXX. The same day, I ordered my XXXX Score XXXX, which was XXXX, and my XXXX XXXX score, which was XXXX. I then asked both XXXX and XXXX  if they could explain why the XXXX score they were using was so much lower than the scores I was seeing. Neither company gave me an answer that explained such a drastic difference. 

If Credit scores are provided as a guide to help consumers determine their potential financing, then someone should be held accountable for explaining how and why a lender is using a score that is drastically different from the score to which the borrower has access.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Capital One has been calling and I do not have an account with them. I called and talked to Rep. XXXX today ( XX/XX/XXXX-18 ). I explained that I Do Not have an account with them. I suggested that information associated with my phone number could be the problem. Someone has been calling my number for quit some time now, and it is very annoying. They are calling with " Out of Area ''  numbers. When I answer, the caller hangs up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED, AND WAS NOT NOTIFIED OF INCORRECT INFORMATION ON MY REPORT. 

I MAILED ON XX/XX/2022

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