BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted numerous of disputes and called the reporting agencies to resolve issues on my credit report and all i received was refusal to send me to the right departments and even calls hung up in my face

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 2019-06-04
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, XXXX and Experian all have and account originally owned by XXXX XXXX the account was bought by XXXX XXXX company. I started a complaint in XX/XX/XXXX to have this account removed first it was reaged by the company stating the account was delinquent the day they purchased it from XXXX which was in XXXX now showing XXXX on my credit report all this is incorrect the account was closed with XXXX XX/XX/XXXX and was actually paid out with my state tax in filing year XXXX but this company is pursuing a collection from me, for money that was paid Direct from my tax return to XXXX so this should be removed all together for the illegal reaging and the fact that funds were sent to XXXX  for this debt. Also XXXX  XXXX XXXX is another account that went delinquent in XXXX as reported by XXXX in a dispute I file with them about the collection agency that purchased the account this agency was allowed to alter the dates as well to show a more recent delinquency and collection date to hinder my credit XXXX purchased this account XXXX and was allowed to alter the dates to show that date not the XXXX date that the original creditor reported to the 3 credit bureaus the 3 credit bureaus have continued to uphold the creditors side of this issue totally ignoring FCRA standards and the illegal practices of creditors to continue to change dates on old debts monthly or yearly to make them appear as if they are newer debts so they are able to remain on your credit longer the allotted time. I was unable to dispute this with a agent because I failed XXXX XXXX  which is a questionnaire formed by information provided by creditors this information is all incorrect I failed it each time because the info they have have a job listed I havent worked at for 19 years they have credit card loans I never had and personal loans I never had. They deny me access to dispute based on information from someone who is not me who provided it to them on my behalf that is the most unprofessional practice I have ever experienced in my life you dont verify the creditor but you double triple verify the person who is going to be affected by this incorrect illegal information providing process

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 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Transunion and XXXX all have and account originally owned by XXXX XXXX the account was bought by XXXX XXXX XXXX. I started a complaint in XX/XX/XXXX to have this account removed first it was reaged by the company stating the account was delinquent the day they purchased it from XXXX which was in XXXX now showing XXXX on my credit report all this is incorrect the account was closed with XXXX XX/XX/XXXX and was actually paid out with my state tax in filing year XXXX but this company is pursuing a collection from me, for money that was paid Direct from my tax return to XXXX so this should be removed all together for the illegal reaging and the fact that funds were sent to XXXX for this debt. Also XXXX XXXX XXXX is another account that went delinquent in XXXX as reported by XXXX in a dispute I file with them about the collection agency that purchased the account this agency was allowed to alter the dates as well to show a more recent delinquency and collection date to hinder my credit XXXX purchased this account XXXX and was allowed to alter the dates to show that date not the XXXX date that the original creditor reported to the 3 credit bureaus the 3 credit bureaus have continued to uphold the creditors side of this issue totally ignoring FCRA standards and the illegal practices of creditors to continue to change dates on old debts monthly or yearly to make them appear as if they are newer debts so they are able to remain on your credit longer the allotted time. I was unable to dispute this with a agent because I failed XXXX XXXX  which is a questionnaire formed by information provided by creditors this information is all incorrect I failed it each time because the info they have have a job listed I havent worked at for 19 years they have credit card loans I never had and personal loans I never had. They deny me access to dispute based on information from someone who is not me who provided it to them on my behalf that is the most unprofessional practice I have ever experienced in my life you dont verify the creditor but you double triple verify the person who is going to be affected by this incorrect illegal information providing process

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 2023-08-22
Company: Incomm Holdings Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased XXXX gift cards on XX/XX/2023 worth {$500.00} each ( total {$2000.00} ). I went to go use the cards the same day and the magnetic strip would not work. After we gave the card to cashier to type the card number, they noticed that one number was scratched off the card. I then checked the rest, and they were all tampered with. I immediately contacted Incomm the same day and they gave me the information to submit a claim. I then submitted a claim online and I got an email reply stating that lost or stolen cards would be replaced within 30 days. I have called several times to get an update on the status of my claim but kept getting the run around and that it would be up to XXXX business days. I called today on XXXX which is more than 30 business days, and they still didn't have any information. I asked to speak with a supervisor, but I was just put on a long hold with no response. My claim number with Incomm is XXXX. I would like a refund of my purchase or my cards to be replaced immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I paid the total owed on my credit card account and maintained making payments in a timely manner. I submitted notification to the company that I am an XXXX XXXX service member as of XX/XX/2017. As a result, I am protected under the SCRA act. However ; the company sent me notification that my account was closed based on my credit report. I feel they checked my credit report based on my race and because I am a service member. There was no reason to close my account as it was paid in full and I did not have a balance.

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 2019-06-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I requested USAA XXXX a cashiers/official check to a realtor for a rental agreement. The funds in excess of {$2000.00} were immediately withdrawn from my account and the check was sent to the realtor. When the realtor attempted to deposit the check 14 days later, the check bounced at their local bank. I have spoken to USAA multiple times without resolution and they have not refunded the funds to my checking account. USAA confirmed that they issued the check and canceled the check the next day without any reason or explanation. Still no refund.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, my wife called our existing mortgage servicer, XXXX XXXX XXXX and explained that our tenants had lost their jobs due to Covid 19 and that we couldn't make the mortgage payment due on XX/XX/2020. She requested Forbearance and was told it would take 48 hours and that we would not be marked as being late during forbearance. 
We did not make the XX/XX/XXXX payment. Then the mortgage company called us and demanded the XXXX payment. We were confused because the loan was supposed to be in forbearance. With great hardship, we did make the payment on XXXX and we paid for both XXXX & XXXX. On XX/XX/XXXX, we made a payment which was slightly short, again the lender demanded that we give them more money which we did on XX/XX/XXXX. We had NEVER been late before or since. We were told that our loan was in forbearance and no payment was needed. XXXX XXXX XXXX XXXX has a recording of the actual phone call and also has a log of the XX/XX/XXXX call. We are trying to refinance to get a lower rate. The lender denied us because of the two mortgage lates that XXXX XXXX is incorrectly reporting. On XX/XX/XXXX, we called the loss mitigation dep & XXXX, said that it was a XXXX XXXX error and that we should dispute it which we did once on XX/XX/XXXX and again on 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 2019-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have not had a credit card for 20 yrs with Capital One. The one I had then I filed bankruptcy on because of their collection practices and late fees and over the limit fees. I was granted that in XXXX. They claim I have opened an account on XX/XX/XXXX ( 2 yrs, 4 mos ago ). The balance showing on my credit report is {$390.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX. Original company CAPITAL ONE N A. I have called XXXX XXXX Seversal times. The last time the women said there were 2 pmts made. She said NO ONE COMMITS FRAUD AND MAKES PAYMENTS. Then she laughed. Today I got a letter in the mail giving me 30 days to dispute this letter. I am getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Checking my credit report from TransUnion? XXXX credit services it shows on my credit report that I " XXXX XXXX XXXX paying a second Mortgage to " XXXX XXXX  XXXX. The Only Mortgage that I am paying and I am very current and open and with excellent standing is through XXXX XXXX XXXX Mortgage Acct. # XXXX for XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX # XXXX. 
And the one from XXXX XXXX  XXXX ID Number starts with XXXX ....?? with a balance of {$62.00}, XXXX. Which its NOT MINE MORTGAGE at all! I called XXXX XXXX bank and explained my situation and told to file a complaint through CBPF. Even XXXX XXXX its Part of XXXX but it is showing a Mortgage that its NOT MINE! Please investigate this matter and get my credit report correct! Please!

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 2023-04-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I requested an international wire transfer on XX/XX/23 for {$500.00} to be sent using the Chase template. This wire transfer was destined to an individual in XXXX as a charity donation for refugee assistance and relocation support. Chase placed a hold on the wire transfer the same day and has not provided any communication or updates on this transfer since. It is now XXXX and I have made several attempts to contact Chase regarding the transfer via phone ( twice ) and email/message with no progress. There has been no communication with me since XX/XX/23 and the funds are still on hold. I feel like I'm completely powerless to do anything about this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 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 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 2023-08-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting inaccurately an account that was included in my XXXX  XXXX bankruptcy that has completed as a charge off. It was never near charging off when i filed and not even 37 days past due. I have included correspondence from them that proves it. I did file a dispute with Equifax and the account changed it's reporting to closed but is now reporting as a charge off again when it should not be. This is a clear violation of the FDCPA. I am including my original XXXX  XXXX petition from XXXX XX/XX/2018 showing they were notified. This has had a major impact upon my credit. Their inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04
Company: Risecredit, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had a leak in my roof and needed extra cash fast. So I took out a loan from Rise on XXXX for a XXXX for 7 months at XXXX a month I took a beating on the interest but I needed the money. The last pay was gon na be XXXX but I've had trouble with my account so I ask could they take it out on the XXXX they said yes everything is set. I called on XXXX and told them my money was in there now and if they wanted to take it on the XXXX they could or wait til the XXXX. They said they would take it on the XXXX they didn't, they didn't on the XXXX so I called them and they say I got to send another authorisation for ach withdrawal because for some reason they can't do it without it. Trouble is now they say they can't withdraw the money til XXXX Now which includes late fees and interest which is no fault of my own. My bank said they have no reason to not be able to get the money. I'm trying to keep my credit going up and 100 % on time payments. Don't know what to do. Please can u help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax, XXXX and XXXX all have and account originally owned by XXXX XXXX the account was bought by XXXX XXXX XXXX. I started a complaint in XX/XX/XXXX to have this account removed first it was reaged by the company stating the account was delinquent the day they purchased it from XXXX which was in XXXX now showing XXXX on my credit report all this is incorrect the account was closed with Dominion XX/XX/XXXX and was actually paid out with my state tax in filing year XXXX but this company is pursuing a collection from me, for money that was paid Direct from my tax return to XXXX so this should be removed all together for the illegal reaging and the fact that funds were sent to XXXX for this debt. Also XXXX XXXX XXXX is another account that went delinquent in XXXX as reported by equifax in a dispute I file with them about the collection agency that purchased the account this agency was allowed to alter the dates as well to show a more recent delinquency and collection date to hinder my credit XXXX purchased this account XXXX and was allowed to alter the dates to show that date not the XXXX date that the original creditor reported to the 3 credit bureaus the 3 credit bureaus have continued to uphold the creditors side of this issue totally ignoring FCRA standards and the illegal practices of creditors to continue to change dates on old debts monthly or yearly to make them appear as if they are newer debts so they are able to remain on your credit longer the allotted time. I was unable to dispute this with a agent because I failed XXXX XXXX which is a questionnaire formed by information provided by creditors this information is all incorrect I failed it each time because the info they have have a job listed I havent worked at for 19 years they have credit card loans I never had and personal loans I never had. They deny me access to dispute based on information from someone who is not me who provided it to them on my behalf that is the most unprofessional practice I have ever experienced in my life you dont verify the creditor but you double triple verify the person who is going to be affected by this incorrect illegal information providing process

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: TMX Finance LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, I took out title loans with my vehicle as collateral with Title Max on XXXX XXXX XXXX in XXXX, SC. The loan number was XXXX and spoke to XXXX and XXXX as well as XXXX in that Title Max Office. I could not make the monthly payments so I voluntarily turned in the vehicle, a 2009 XXXX XXXX with just XXXX miles on the odometer. I was told they would sell the vehicle to satisfy the debt of about {$11000.00}. 

I do not know what has happened since the vehicle was voluntarily surrendered on XX/XX/XXXX. Was the vehicle sold? If so, for more than the loan balance and Title Max owes me the difference. I believe the XXXX had a value of at least {$14000.00} due to its low mileage and very good condition. Did Title max sell the vehicle for more than the debt and refused to refund me any difference? They are a sloppy   company and need more monitoring about what happens at the end of the loan or selling of the vehicle. 

Please, do not use Title max if you can help yourself. I learned my lesson but at least have no headaches from them calling me daily about this loan or the vehicle but they need to follow through on what happened at the end? Customers should be given a final accounting of what happened?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I received a notification from a bank institution stating that my loan request could not be processed because my Equifax report was " frozen ''. I called Equifax and spoke to three different departments and turned out that my report was " Credit Report Control ( CRC ) blocked ''. 

On XX/XX/XXXX, I sent a fax to the Security Department of Equifax Security, following their instructions and  including copy of my SS card and driver 's license. On XX/XX/XXXX, I called and learned that the letter was not received. I sent the fax for the second time, and also sent it via certificate mail with delivery confirmation using the USPS services. 

Yesterday I called Equifax and did not get any answer. My account is still blocked. They did not say who or when, or why it was blocked, and requested that I write a second letter, because they received a letter that was incomplete. Realizing that Equifax is incapable of solving this problem based on their customer handling and sercvicing, I decided to contact you office. 

I'm uploading files backing this procedures and also the front page of the last credit report I requested, dated XX/XX/2019, in case you need additional information from this data.

Company response to consumer: Closed with explanation