BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-04
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2017-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Hi, On all three of credit report, my student loan holder, XXXX XXXX XXXX has put my account as either late or delinquent ( the loan is for the amount of in excess of {$75000.00} now, and keeps growing ) for many years now and it has depressed my credit score that I ca n't qualify for an acceptable rate on an auto loan or anything else for that matter of importance, where I desperately need an access to borrowable capital to purchase big-ticket necessities. 

I 've received a letter from XXXX XXXX XXXX that they are recently conducting an audit of their loan portfolio and i know that they 've recently settled with your agencies.
They 've been harassing me over this loan for more than ten years now and they have made it so that my credit score is so low that I 've had trouble raising my score above 600 for almost ten years, which has kept me not even eligible for ridiculous subprime rates..
Please help me and get this removed from my credit reporting please so that I may get on with my life and be able to finance a car or a home. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
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:
My information was compromised via data breech. Someone got a hold of my information and tried to apply for an auto Loan. Car loan and credit cards. These inquiries are due to Fraud. I have spoke to XXXX XXXX   and Transunion about this issue but they refuse to fix it. I should not be held liable for identity thief information. I am seeking your assistance in having the credit bureaus remove these information. 
XXXX XXXX Ran XX/XX/2018 XXXX Ran XX/XX/2018 XXXX XXXX XXXX Ran XX/XX/2018 XXXX XXXX Ran XX/XX/2018 XXXX Ran XX/XX/2018 2018

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 2019-05-10
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 sent in all the proper paperwork to show i had identity theft to each of the credit bureaus months ago and they still have not removed the accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04
Company: Professional Debt Mediation, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have had the worst experience with one of the reps with this company. He has used intimidation and interrupted me while I was trying to talk ( on numerous occasions ; very rude and condescending ), and has also suggested that if I dont keep my payment plan that it would negatively effect my credit reporting. There has been miscommunication from various reps in regards to my account. Information was not relayed properly resulting in confusion. I was told by the rep that I called a lot in regards to my account and to just let the auto payments take their course when calling in reference to cancelling automatic payments. Anytime I wanted to call to adjust payments or ask questions in regards to my account I would get improper information and an aggressive tone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Hello I purchased an {$830.00} XXXX XXXX  on XXXX  on XX/XX/2020. After several days of waiting ( about 10 days ) and lack of shipping info from the seller, I sensed I probably never going to receive the monitor and the seller might be a scammer, I decided to open a case on Paypal. Paypal is the method I used to purchase this monitor. However, it takes me 2 weeks to receive a refund from Paypal, I couldn't wait for that long due to the need for school work, and I found out it only takes three days for me to receive the refund  from XXXX, so I canceled the case on Paypal without knowing I couldn't reopen the case once it's closed and I couldn't open another case on XXXX even tho the case on Paypal is closed. At this point, the only way for me to get a refund is from my bank -- -XXXX  XXXX XXXX . I contacted my bank and opened a claim, however they rejected me without doing a further investigation, the response they gave me is I used PayPal for the transaction and it's authorized so they can't get my money back, they don't care about if I was scammed or if I received the item. All of those rejections lead me to here, I want to get my money back and scammer should not receive the money and keep  scamming people.

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 2019-03-29
Company: Lyons, Doughty & Veldhuis, PC
State: NJ
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:
XX/XX/2019, I was served a certified letter containing a Notice for Execution Against Wages for XXXX. A judgment for a debt I was never notified of or have any record of dealing with XXXX bank. 
I responded to Lyons, Doughty and Veldhuis attorney for XXXX XXXX, the buyer of the debt, on XX/XX/2019, asking for the debt to be verified. They responded on XX/XX/2019, saying the judgment was filed legally and a snip of the judgment in the amount of {$10000.00}. No proof of account or anything from XXXX with my name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
American Express approved my application for a Business Platinum card with a sign-up bonus offer to earn XXXX MR pts after a minimum {$10000.00} in qualifying purchases within the first 3 months. As the facts ( with the attachments to here ) proved that American Express had posted qualified purchases and awarded associated points of {$10000.00} within the first 3 months to my account along with written chat confirmation in early XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX, and a phone conversation on XX/XX/XXXX with XXXX along with a concurrence by a supervisor who stated that my account did meet the qualified spend to earn a welcome bonus which will likely be posted in XX/XX/XXXX after the statement close, however ; I was recently informed via chat on XX/XX/XXXX that my account showed a spend of {$9100.00} without a detailed explanation of how the numbers were computed and that my account will not earn a welcome bonus. 

Again, as the facts with attachments proved that the American Express previously approved qualified spend and awarded pts associated with the purchases showing a spend of {$10000.00} within the 3 months, along with previous written and phone confirmation from Amex Rep that the account did meet the minimum qualified spend to earn the welcome bonus, I'd appreciate a review and correction to this issue in order to award the welcome bonus as agreed. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XX/XX/XXXX I graduated with a XXXX  from the XXXX XXXX XXXX XXXX. 
In the four years I was there, I borrowed {$16000.00}. 
I worked for 8 years and started paying back my loans in XX/XX/XXXX when I finally got a full time job at my XXXX. 
In XX/XX/XXXX, I was advised to consolidate my loans. They were consolidated for {$20000.00}.

I was in repayment from XX/XX/XXXX-XX/XX/XXXX before I entered XXXX school. 
During my time in XXXX school ( XXXX  XXXX University ), I took out another {$11000.00} in loans. 
Total I borrowed from XXXX and XXXX school : {$27000.00} In XX/XX/XXXX I started a series of forbearance and deferrals due to my economic situation : starting my own business with no money in XXXX XXXX. 
In XX/XX/XXXX, I defaulted and was forced into consolidation. 
The {$11000.00} was consolidated for {$25000.00} due to interest gained. 
This time when I consolidated, my interest rate went from about 3.5 to 6.25, nearly 200 %. 
After 7 years of struggling, I defaulted on my student loans for a second time for not filling out the right paperwork. I was told to consolidate them again. 
In XX/XX/XXXX, I consolidated all my loans, and somehow {$46000.00} of consolidated loans turned into {$85000.00}. 
Now, Im not sure what happened but they went up to around {$90000.00} when we started paying them in XX/XX/XXXX, and currently I still owe {$88.00}, XXXX In addition, I was never told of the Income Based Repayment option. Not once was I given the right advice. They do this on purpose to rack up as much debt as possible so they make as much money as possible. They should be sued for predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: JPMORGAN CHASE & CO.
State: MA
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:
This is about hard inquiries on my credit report. I do n't recognize any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Alpine Credit, 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 obtained a credit report from the 3 major credit bureaus XXXX, XXXX, and XXXX. I discovered a credit account from Alpine Credit that does not belong to me. I directly contacted Alpine Credit to dispute the account. The Alpine Credit representative stated, We do not have to talk to you about anything! Then, the Alpine Credit Representative hung up the phone in my face, and blocked my number. I cant call them back or speak to anyone at all. In the meantime, Alpine Credit is fraudulently reporting {$46000.00} in charges and collection on my account. This account is ruining my credit score and creditworthiness. Im being denied for credit and cant obtain any goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: EQUIFAX, INC.
State: MO
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:
After looking over my report and complaining of late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I enacted my rights to COMPEL the credit bureau as REQUIRED, to MANDATE the alleged data providers of notated UNPROVEN derogatory suggestions of late payments and requested that they surrender to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore I even requested that the accusing data provider to present their most upgraded Terms of Service Agreement that outlines payment reconciliation. As I am positive that the bureau was aware as a injured consumer unjustly mind You that I am lawfully within my consumer right to ask for any and all of the above demands under the terms of the FairCredit Billing Act of XXXX FCBA. AS the official notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is eithet or all of the following. So They were informed by me that they must ANNUL by REMOVAL of any DEROGATORY and or adverse and yet UNPROVEN claims be it an account or an aspect of that account and delete the foul misreporting and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else for the following : 1. XXXX XXXX several late pmts 2.  XXXX XXXX-several late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For the statement for the period of XXXX, I made a payment on the full amount owe based on the statement. on the next cycle the Capital One charged my interest on the balance from the date the statement closed to the date I made the payment, even that i make the payment before the deadline. 
Only credit card company that i know that makes this kind of ridiculous charges and practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have notified TransUnion several times that there are inquires and accounts on my credit report that I haven't applied for, authorized nor do I know where they came from. They continue to report these accounts after being provided a police report, state drivers license, proof of my current address and an identity theft report. I am asking that these accounts be deleted and the inquires listed on the identity theft report be removed from my 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 2021-08-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, I want to delete information that's currently on my file. This information is identity theft, and I did not make these charges stated on my credit report. I beg of you to deleted these incorrect items off my report. i reported the theft of my identity to the Federal Trade Commission and i also included copies of the Federal Trade Commission 's Identity Theft Affidavit. i appreciate if you deleted these items as soon as possible. I am trying to relocate to another state because the state that i am in Covid 19 cases are sky high. This identity theft is stopping me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: JPMORGAN CHASE & CO.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are trying to close on a mortgage, but Chase JPMorgan Bank ( Hereinafter Chase ) has a  judgment against us, that is inhibiting us from closing. We were not aware of the judgement until the title insurance was complete. We found out about the Judgement on XXXX XXXX, XXXX. We had a deadline of XXXX XXXX for closing on our loan, but have been unable to get any help from Chase or their attorneys regarding payoff and lien release. We have been asking for a payoff and lien release since XXXX XXXX, XXXX and have been getting the run around for almost a month. On the XXXX of XXXX XXXX we stated our request with XXXX XXXX ( Hereinafter XXXX XXXX the attorney who was representing Chase and who recorded the Judgment. His phone number is XXXX. We have supporting documents that we will attach to this complaint showing that XXXX was the attorney representing Chase. After talking with XXXX we were informed that he no longer represented Chase and that the firm he was working at when he was representing Chase is no longer in business. XXXX gave us a number of another Utah firm that he had forwarded the case files to, we contacted them by Phone and by email. This firm, that now has the case files and is now representing Chase is XXXX XXXX. I spoke with XXXX XXXX XXXX ( XXXX ) and he passed us on to a XXXX XXXX a XXXX attorney in the firm. His number is XXXX After a week or so of us emailing and calling him everyday, we were told by XXXX in an email that Chase had told him to not help us and that we needed to contact them directly. We spent the next week on the phone for numerous hours on hold, and was passed to this department to the next department, Just more run around. Here is a list of all the emails that I was ask to correspond with XXXXXXXXXXXX, XXXXXXXXXXXX XXXXXXXXXXXX, XXXXXXXXXXXX We even had a XXXX way with Chase that involved our mortgage broker XXXX XXXX her number is XXXX you will see she is attached to the inquiries about getting a lien release and payoff amount as well. We are at risk of loosing the Home now because Chase is un-willing to help us, we are trying to pay them money and they could care less.. We really need someone to intervene before the seller pulls the plug on our purchase agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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: Information belongs to someone else

Complaint:
Hello, I want to delete information that's currently on my file. This information is identity theft, and I did not make these charges stated on my credit report. I beg of you to deleted these incorrect items off my report. i reported the theft of my identity to the Federal Trade Commission and i also included copies of the Federal Trade Commission 's Identity Theft Affidavit. i appreciate if you deleted these items as soon as possible. I am trying to relocate to another state because the state that i am in Covid 19 cases are sky high. This identity theft is stopping me from doing so.

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 2021-08-05
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am refinancing my current mortgage. My current mortgage company is Midland Mortgage. The refinancing company is requiring that I obtain a forbearance agreement from Midland mortgage. I am no longer in forbearance but the refinancing company is requiring this agreement even though I am no longer in forbearance. My complaint is with Midland Mortgage. I have been asking for this agreement to be sent to the refinancing company and nothing happens. I have been asking for the last three weeks. I have called them six times requesting this agreement. Their answers range from, they are not able to email, only fax or mail, they told me it takes two to three days to fax and a week to mail. The third time I called they said they dont email. The fourth time they said they can email but in three days. The fifth time they said they can put a rush on it. It has been a week since then and still no agreement. I am beginning to think they are doing this on purpose. In this day and age, how can it take this long to get something sent? I can not refinance with out this agreement so that it the only thing keeping me from a better interest rate and better monthly payments. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized transactions were made on my account from after XX/XX/XXXX for amount of 4,900i submitted police reports and updates on my case and there being a suspect arrested on this and Ive sent several pictures along with detectives information and screenshots of my house/incident of what has been going on stolen property and vandalized and showing that the suspect arrested had access to my belongings without no autorizarion from me to be anywhere near my belongings these pictures Ive sent show my house vandalized show the police report about stolen personal information and showing that these criminals have been breaking in and had a hold of my personal informtation ive done everything I can to provide proof and my claim gets denied, also they been back n forth one rep tells me something then the next rep tells me something else The calls have been recorded so being able to hear those calls can demostrare how misinformation and saying Im expected a deposit and then after I receive nothing also the confusion on the bank part saying a female saying she was me called saying her XXXX son made the transactions theres no way I would have called to say that so they got it all confused Ive ran out of patience as this has been over a long time Ive sent all the information possible to help this Ive asked for the documentation on what they based there decision on and never received it till this day

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