BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-01
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:
I have contacted Transunion to get unauthorized inquiries removed from my report, I was told to contact the company who initiated it .... The company then told me that since there was no file / account with them that they had no record and could n't assist in the removal process. 

I received a copy of my credit report and the credit report show credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order These are the unauthorized inquiries I discovered on my report, please remove them immediately as my consent was not given for them to access my information. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Already filed identity theft report with federal trade commission and mailed copies with notice to furnishers to all three 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 2019-10-05
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, XXXX XXXX in XXXX NJ, assigned me a line of credit with Synchrony back in the amount of XXXX for as partial payment for a rebuilt transmission replacement. During the course of the loan, my minimum payment per month fluctuated between {$28.00} up to {$62.00}. per month this includes the principle and the interest of the loan. As of XX/XX/XXXX, I had a balance of {$870.00} f which I paid {$400.00} in an attempt to begin paying off this loan. My new balance as of XX/XX/XXXX was {$470.00} which included interest. When I received my XX/XX/XXXX statement, my balance went back up to {$830.00} which includes the previous balance of {$470.00}, credit fees and Adjustments of {$28.00} and {$320.00} interest for that month!!! In addition, Synchrony Bank reported this to the credit agency ; resulting in a negative credit rating of 10 points. I made a monthly payment of {$100.00}, which should have brought my balance down to {$370.00} considering they were requiring a {$28.00} minimum. As I have been the process of rebuilding my credit over the past 10 months, it was my intent to pay pay off the balance {$370.00} owed only!! I did call service, thinking they made an error concerning my account. They told me that there was a promotion in place of which I was not notified in any capacity ( email, text or US mail ), and that I missed the promotion. The customer service rep put me on hold for a while and came back on with a offer, stating " they would take {$500.00} if I made a payment over the phone. I told them that I did not owe that amount and I simply refuse to make any payoff without having their offer in writing first. They have proven themselves to be untrustworthy in their business practices and could add additional charges the following month unlawfully, at their discretion, keeping me unjustly in dept for the next 4 years. I have been paying principle, interest and {$39.00} late fees, since the start of the loan. I just want to pay off what I owe without being robbed further! I'm still making on time payments, exceeding the minimum requirement, but I need justice, and my credit restored. I did brig this matter to the NJ Office of the Attorney General ; whom after 4 weeks referred me to you via US mail ( Ref. File # 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 2019-05-23
Company: ID Analytics, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I don't know who this company is and why their on my credit report. I have not filled out for any credit. This company is committing fraud without my legal permission and rights. When I called they told me they didn't care about what I had to say and then hung up. I also filed with a complaint with FTC about this situation and alerted the credit bureaus of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: EQUIFAX, INC.
State: NY
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:
Already filed identity theft report with federal trade commission with notice to furnishers and mailed copies to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Kikoff Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Kickoff Lending LLC is reporting a closed and delinquent account, I have never had an account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: FL
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:
SOMEONE USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan is serviced through Navient. On XX/XX/19 I made my regular payment on my account in the amount of {$170.00} applied toward both consolidation Loan # 1 and # 2. I then made a separate online payment in the amount of {$280.00} selecting Loan # 1 for application of payment per the website instructions. When Navient applied payment the {$280.00} was applied to loan # 2 not loan # 1. 

Loan # 1 has a balance of {$550.00} i am trying to pay-off this loan in full over the next two months so I paid just over half with the intention of paying the remaining balance during the month of XX/XX/XXXX. Over the years when I have made extra payments on this loan ( both w/Navient & the previous creditor ) the payments have always been misdirected to the larger balance to keep this account open and earning interest. The last time I made an overpayment some 8-9 years ago to pay-off the smaller balance I paid the full amount due and none if was applied to the first loan balance. This practice need to be stopped and lenders forced to accept the payment as made by the consumer. 

I recently learned from a friend that Navient was previously sued by the CFPB and they agreed to stop this bad practice however they are continuing to do it. I can provide proof showing the payments and i am prepared to give written sworn testimony. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have called and called and called. I ask for a supervisor they always say theres not one available. Ive tried to pay payments!! The amount of interest they charge is unreal. The amount never changes. I had to take another XXXX out to just survive!!! The fees go up every period!!! by next period I owe more in interest than I paid last period

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Block, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX has a cash app card I transferred {$530.00} from my personal bank account to his cash app account. Cashapp XXXX and locked his cashapp card/account the money is in limbo. This has been since XX/XX/XXXX I have sent chat messages and called XXXX  times I have been hung up on and told I will get an email when the issue has been resolved. I have sent them a copy of my license XXXX different times and they still refuse to tell me anything or unlock the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
capital one and XXXX caused some inaccurate information on crredit report that made a lender call me collecting a debt b/c of the data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased some items from a XXXX decoration/design company ( XXXX ) that arrived in terrible shape and that were of substandard quality by almost anyone 's definition ( one of the art prints looked like it had come from a home printer ). I disputed the issue with the company and never heard back from them. 

I then filed a complaint on XX/XX/2019 ( See Attachment 1 ) with the credit card company Synchrony Bank ( XXXX Cash Back Visa ), and was told the case was being investigated. 

On XX/XX/2019, the credit card company issued a refund of my purchase, only to allow the merchant to immediately re-bill me for the sum total ( See Attachment 2 ).  Once again, I wrote to my credit card company for assistance and was provided with a generic auto-generated message followed by months of silence. 

On XX/XX/2019, in response to two more messages from me, I received a letter from the credit card company stating that they'd ruled in my favor and had issued a credit on XX/XX/2019 ( See Attachment 3 ). Oh, joyous day! Not. The letter did not take into account the immediate re-billing of the items after the credit was issued -- something I repeatedly mentioned in my previous complaints to them. 

I then followed up on numerous occasions over the subsequent months ( See full  correspondence ; most recent at the top - Attachment 4 ) without any type of resolution or even an acknowledgment that a human being capable of independent thought was looking into my case. 

That is still where we find ourselves today.

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 2017-11-18
Company: ID Analytics, 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: Credit inquiries on your report that you don't recognize

Complaint:
Received denial letter on XX/XX/2017. Per the denial letter my credit report and score were pulled by SageStream , LLC. This is a company that Ive never heard of/or has not made services available online to where I can see if the information being reported is true and correct.

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 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
XXXX and XXXX keep adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. First of all they do n't have my correct contact information and I was not able to be notified in XXXX and XXXX. I fax information over to them about my forbearance and I was told that it was never received. I have copies of my fax receipt were it was sent over. Several late payment was placed on my account because of this.

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 2019-10-05
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I waspassenger in a car that was involved in a motor vehicle accident. where it was 3 people in total in the car. we where transported by XXXX volunteer ambulance service to the hosiptal all of us went in the same ambulance at the same time to the same hospital. I checked my credit report to find this ambluance ride on my XXXX XXXX and XXXX and XXXX credit report. i contacred the ambulance and the debt collector to not be able to get the matter resolved i do not have issue paying the bill but im want to dispute the amount of XXXX for me to pay when there where 3 people in the same ambulance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Gatestone & Co. International Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid XXXX monthy bill. But XXXX said it wasnt paid, even after i repeatedly gave them proof of credit card statement and an XXXX payment confirmation code. Being called anywhere from 5-10 times a day from dept collection that refuses to tell me who they are until i give personal info. Name, address, birthday. Being harassed daily. No matter how many times I call XXXX to give proof i do not owe them money or same info to collection, the collection calls will not stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
Company: JPMORGAN CHASE & CO.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was contacted by what I thought was a company in XXXX ( XXXX XXXX XXXX ) about a job. The were getting into the US market and needed a XXXX XXXX XXXX. I contacted my CC company as well as XXXX. I was assured by both I would be secure. My CC company told me once I saw a credit into my account the payment could not be reversed. I made purchases for this company only after I saw a credit of {$2600.00}, I then sent the purchased product to the company, Florida and New York. I did this two times and 7 days after the 2nd purchase I saw the payment amount of {$2700.00} reversed because there were no funds in the account that originally made the payment. I immediately called my CC company and told them I was being scammed. I was told there was nothing I could do. I then asked if they had received the first payment and was told they had. I asked if I locked my account if there was any way the first payment could be reversed and was told no. I locked my account and requested to discuss this with a superior. There was none available and was told I would receive a call within 1 to 2 business days. That was XX/XX/XXXX and I received a call on XX/XX/XXXX and was told again repeatedly ( 7 people ) there was nothing they could do. The company called them and told them the withdrawals were being taken from a closed account. My CC company then sent them back the money even though I told them I was the one being scammed. All dates are on a document I uploaded. I thought I had done my due diligence. I plan to file a complaint against XXXX  XXXX XXXX also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: STERLING BANCORP
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
While trying to Call XXXX XXXXXXXX XXXX XXXX one afternoon during the last week of XXXX, I concurrently received a call from intake specialists XXXX ( XXXX ) then XXXX ( XXXX ) of Sterling National Bank. I submitted an application online for personal loan to take care of medical Bills that had gotten out of control, amongst other things. They initially offered me a 5 year term loan for XXXXusd at 3.4 % interest. The payments were to be {$90.00}. 

They assured me that the loan would definitely go through and not to worry bc I was pre approved. I was then escalated to a Senior loan officer named XXXX XXXX XXXX XXXX ) / ( XXXX ) whom also promised to put the loan Into my account with XXXX XXXX located in CA. For some reason or another, due to a suppressed Credit Score, the Loan had to be escalated to another officer in the Accounting Dept named XXXX XXXX ( XXXX ) ext XXXX Who promised to fulfill the loan as promised. 
Sterling National Bank main- ( XXXX ) Unfortunately, there was no follow through and I never did see any loan credit to my account at XXXXXXXX XXXX in CA. 

The company activated an PPI in house insurance that was XXXX $ then charged an upfront fee of {$370.00}, then an ACH Fee of {$470.00}. 

For whatever reason, the Merchant that sits above the XXXXXXXX XXXX  in CA was blocking the funds from being deposited, so I was left with no other option than to call the bank and attempt to put SNB on the phone, however SNB refused to speak with XXXX so that we may better understand why the loan proceeds would not deposit. 

They then wanted to charge an additional {$400.00} to process a XXXX XXXX, however, I refused to comply bc I felt that the funds should be sent and then paid for.

I have made several inquiries with SNB and no one, Not XXXX XXXX, not XXXX XXXX has returned my call. I've sent several text messages as well to no avail. 

The Senior loan officer said the loan was preapproved and there would be no issue. 
It seemed that these calls kept coming my way while I was on pursuit with XXXX XXXX. 
There was never a loan issued despite the preapproval.

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 2017-11-18
Company: BARCLAYS BANK DELAWARE
State: OH
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 've tried making my payment this month on due date the XX/XX/XXXX, no payments get through, you ca n't reach a live person says system updating, I 've called several times the last few days with no luck. Is something going on? I should not be charged late fee. I 've even tried getting online and says Same thing system updating can not look at any information. I 'm worried about how this will affect my credit.

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 2019-05-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was compromised while serving oversees from XXXX to XXXX. During this time a fraudulent account was opened in my name by XXXX. I demand that this item be removed from my ChexSystems report immediately.

Company response to consumer: Closed with explanation