BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been looking at my report and I seen a few thing that are not right. 
First up my name is : XXXX XXXX XXXX. Please remove any other variation and spelling. 
My current address is XXXX XXXX XXXX XXXX XXXX, XXXX, Oh XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am a victim of ID theft and I have not been it XXXX in over 6 years. I currently am a residence of XXXX Ohio

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 2020-02-04
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 checked my credit report and noticed several fraudulent accounts. Please help me remove these accounts as soon as you can. 

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 2020-01-30
Company: SYNCHRONY FINANCIAL
State: OR
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:
Bait and switch practices With PayPal credit card through Synchrony bank. 
I opened a new account in XX/XX/2019 and have found NOTHING BUT DECEPTIVE practices with this credit card through Synchrony Bank. First off they are holding my paid in full payment that was electronically transmitted from my checking account. I was told this hold by Synchrony bank is because it is a new account. Interestingly I've already made 2 prior payments that were not placed on hold. So this larger payment hold will place an interest fee on my account. I've talked to 4 different account reps and they all gave a different rationale as to this 3rd payment hold. I used PAYPAL CREDIT CARD thinking it is part of PayPal. It is not. What they do may be legal, but it is exceptionally deceptive and you will find that there is no resolution through their employees.

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 2019-10-06
Company: EQUIFAX, INC.
State: NY
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 had contacted Equifax in regards of unauthorized inquiries. Equifax failed to show me verifiable proof of every unauthorized account that was listed ( see documents attached with this complaint ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
To whom this may concern, Im writing this complaint about navy federal credit union, I went to navy federal credit union in the month of XX/XX/XXXX to open a checking 'S and saving 's account with the financial institute at my local branch in XXXX sc, I was counseled by one of there customer service rep 's, he took my deposit only to come back to me saying an account was opened in my name in the year of XX/XX/XXXX, I then told the representative that I had no knowledge of an account being opened with them through me, he said that there was an outstanding {$500.00} balance on that account and then told me that he was unable to grant me membership at the time until it was cleared up, we both discussed that it was fraudulenty opened in my name at the time and was never done by me myself, he then stated that it was nothing he could do because of the time frame the account was opened, this is an unverified fraudulent acct and is making it hard for me to enjoy membership benefits with the financial institution, I called ( navy federal ) customer service number to see if anything could be done so I could begin to access my accounts and start utilizing memberships benefits, they also to me that they could n't verify due to time frame, this matter has become a burden for me and is very discouraging for something that I did n't do, I would like this to be deleted/removed from there systems so I can start utilizing memberships benefits with the financial institution, everyone with their company just keeps giving me the running around, Warm regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have had this loan for 18 years which first was {$2000.00} student loan it is now XXXX Navient traps you into a loan that is unpayable. The daily interest is charged to this loan i have tried to convert this into a fixed rate which they do not do. I need help understanding why i owe XXXX XXXX my loan in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 car with XXXX XXXX XXXX in XXXX. The Car was repossessed during my divorce proceedings and paid off in settlement in XXXX of XXXX. Account has been paid and closed since then and it is not deleted off 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 2021-09-19
Company: JPMORGAN CHASE & CO.
State: OR
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:
Chase bank reported a credit card belonging to my ex wife was discharged in XXXX of XXXX. 
It was not. It was discharged in XXXX. 

I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. 
Chase bank did not remove me. 

Chase bank still reports it incorrectly on my credit bureaus and in my name. As well as false information. 

Chase bank has duplicated the discharge 2 times which is not legal in the first place and incorrect. 
And can not be in in my name per legal documents which they did. 

The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. 

Please have them follow all legal avenues and remove the duplicate information as well as off my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: EQUIFAX, INC.
State: MI
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: Problem getting your free annual credit report

Complaint:
Again Im having problems with my identity since XX/XX/XXXX. Your company has been awesome. I actually feel heard and you respond or get the company to respond. Thank you. I tried to get my XXXX after I found an error with XXXX. Id be overjoyed if they actually agreed I am ME but for years of identity theft caused by my ex husband my name is Mudd So since I couldnt get my report online they said I could get it by mail so I sent for it on XX/XX/XXXX from XXXX XXXX have not gotten a response have not gotten my credit report. According to what I read in the FTC they had 15 days from receipt to mail to me. It is now XX/XX/XXXX and NOTHING. Cant get it online or mail. I really am trying to undo all the damage my ex has done and these companies make it so hard I almost want to give up. 
I wanted my credit report from all three companies and Requested that Online through XXXX XXXX XXXX XXXX but all three rejected me. Its a lot of work being me. Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: AR
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 mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter from Wells Fargo, The Subject was- Follow up to previously submitted complaint. There is a telephone number to call if you were sold something that you did not want or need By Wells Fargo Bank. WF wants to know how your complaint was resolved, Our complaint was never resolved we were just constantly lied to about out Mortgage Account for 10 Years, No one at WF can locate our account, Customer Service said no such account number, Mortgage Dept. said no such acct number, The supervisor at WF could not find account, WF purchased our loan in XXXX by some fake close at home book that is sitting on my lap, not signed or notorized and was never returned to WF because they were making us REFINANCE even though WF was purchasing my loan. We did not want to refinance but Wells Fargo said we had to this is the way its done so it can be done faster, The is no history of my : Loan from XXXX to XXXX, every bank report starts at XX/XX/XXXX, The Bank History and the Year to Date Loan History, The account also starts with no money in Escrow, when there was money in Escrow when they purchased us. Now that was gone, We were being charged for Hazarsd Insurance we did not need or ask for XXXX per month plus homeowners insurance also, 4 times WF has out us in foreclosure first time, we owed XXXX ... ... the second its XXXX plus XXXX lagte payments for 2 months and another charge of grounds kepping, i have the nicest cleanest house on the block, so take your XXXX inspection fees and just wait cause i have copies of every bit of money you took from me elegally, their are made up amounts that are made up to cover the Escrow i had to pay twice of XXXX. WF claims they never received a check I sent for XXXX if you look at the incoming payment There is XXXX in amount received and XXXX in Ecscrow and a amount left over that they put as a - whan the differenced was a plus, went into unapplied funds never to be seen again.

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 2021-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Public record information inaccurate

Complaint:
I AM A NATURAL PERSON, in FACT CONSUMER, Im a native of this lane, THIS COMPANY IS COMMITTING FRAUDXXXX DOES NOT HAVE MY PERMISSION TO USE MY INFORMATION, I HAVE SENT SEVERAL CEASE & DESIST, I AM FILLING A COMPLAINT IN SMALL CLAIMS COURT XXXX IS VIOLATING THE FAIR CREDIT REPORTING ACT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: EQUIFAX, INC.
State: CA
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:
I did apply on several companys for credit but they declined to me because insufficient history

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I did apply on several companys for credit but they declined to me because insufficient history

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 2020-11-05
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: Account status incorrect

Complaint:
I called XXXX XXXX XXXX  to close my Visa card on XX/XX/XXXX XXXX days before the annual fee was due ). I spoke to my relationship manager ( XXXX XXXX XXXX and he confirmed he would close the card. 

On XX/XX/XXXX, I get a notification from the credit bureaus that my credit score dropped from XXXX to XXXX XXXX! ) because I am late on a payment to XXXX. I called them multiple times to remedy the situation but have not received any responses.

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 2020-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My checking account with Bank of America had fraud in the amount of XXXX, they refused to investigate and remove the charges therefore, putting my account into a negative balance and closing my account. I have contacted the bank on many occasions, with agents refusing to help me. This has been damaging to me personally and financially. All I ask is that they remove the fraud charges on the account, they refused resulting in the closure of my account and damage to my credit report. Please I need help, and do not know where to turn for resolution.

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 2021-06-22
Company: First Advantage LNS Inc.
State: DE
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 BEEN DISPUTING A ACCOUNT WITH XXXX SINCE XX/XX/2021. XXXX REFUSED TO CONDUCT A INVESTIGATION AND KEEPS SAYING THE ACCOUNT IS VERIFIED. I HAVE FILED A COMPLAINT WITH THE XXXX AND THEY HAVE NOT RECEIVED A RESPOND FROM THE COLLECTION COMPANY. I HAVE SENT LETTER OF VALIDATION FOR THIS ACCOUNT AND HAVE NOT RECEIVED ANY RESPONSE BACK. THIS ACCOUNT HAS BEEN DELETED FROM XXXXXXXX AND XXXX  DUE TO NOT BEING ABLE TO VERIFY. HOW IS IT THAT XXXX IS ABLE TO " VERIFY ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Experian Information Solutions 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:
Just checked my Equifax report and found that my score had been reduced XXXX points and I have NOT paid any creditor late. I disputed payment had occurred in XX/XX/2018 on the XXXX XXXX account but was corrected by the Company. I contacted the the company but was just given general information and told to contact a local lender

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Recovery Solutions Group, LLC
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have an attorney trying to contacted them to fix the problem and get to an arrangement but they do not want to do anything just keep bothering my family, friends, myself and they do not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Today a process server showed up to a former address of mine to serve me a court summons. I have not received any notice by mail of threatened legal action and no voicemails have been left for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: CAVALRY INVESTMENTS, LLC
State: MN
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:
Calvery Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX My credit report shows a credit account not paid opened in XX/XX/XXXX of XXXX for {$1000.00} from some XXXX XXXX XXXX. I have not opened any credit accounts in XXXX and XXXX XXXX XXXX already shows up from XXXX after I became unable to work. I called the XXXX number above and she stated I would have to talk to their lawyers and would give me no information I believe they may be trying to collect a debt another company or sister company is already reporting and Im trying to get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: RAB PERFORMANCE RECOVERIES, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband and I had credit cards through XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX Bank, which was subsequently paid off with the XXXX loan. I received a judgment from RAB Performance Recoveries LLC for my credit card stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to XXXX XXXX XXXX XXXX XXXX to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. My account has been garnished repeatedly as well as my children 's savings accounts because my name is on 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 2022-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 Bank of America reversed the temporary credit in the amount of {$410.00} without providing me advance notice. I disputed this charge by XXXX as they did a poor job with my vehicle. I paid over {$2000.00} for paint and bodywork that took them over 60 days to complete. I attempted to pick up my vehicle on three occasions but had to leave it for further work to be completed. The last time that I went to pick up the vehicle I ran out of gas two blocks away from XXXX. After I got assistance with getting the vehicle to a service station and headed home the bumper fell off of the vehicle. 

After BOA reversed the credit I called to speak with them and asked why did they reverse the credit. They advised that they denied my claim as they spoke with XXXX and that I had the work completed. I asked them why didn't they contact me. I did not dispute the charge as work was not completed I disputed the charge because of the quality of work. 

I paid over {$2000.00} total I am only disputing the {$410.00} which is reasonable for my time wasting coming to get the vehicle and it not being ready, running out of fuel which could potentially ruin my fuel pump, and having to have someone secure the bumper. 

I am very disappointed with the way BOA handled my claim. I feel that they provided the temp credit because they are required to do so but had no intention of investigating my claim.

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 2020-01-30
Company: BlueChip Financial
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is the collection agency the original creditor is spot loans. I took the loan out for XXXX dollars and XXXX  XXXX XXXX is reporting that I owe over 2000 dollars. My second complaint Is that I took the loan out 6 years ago so the reporting on that was inaccurate also.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation