BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-13
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 information incorrect

Complaint:
I have an XXXX XXXX credit card an in XXXX I was leaving the country so I called and made a payment however, I was told that it hit two days later and because of the representative not putting the correct note on the account to make sure it was at XXXX, I was assessed a late fee and interest was then applied to that amount. Last week I spoke to another representative who has fixed that error that should have been done in XXXX however, I notice that my credit score has taken a hit for negativity and I really do not appreciate it. I was told to reach out to the credit bureau.

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 2019-10-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
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:
XXXX  is allowing Portfolio Recovery Associates to do Hard Pull inquires every few weeks they are doing HARD PULLS Inquires without my permission or authorization. PRA did HARD PULLS XX/XX/2019 and now Im showing another HARD PULL XX/XX/2019. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I went online to all 3 credit reporting agencies to lock my credit so I could protect it. I'm trying to improve my scores so I can get a mortgage and want my credit protected. I did not know that by doing this that very day my scores would go up above 20 points in that same day. So, later my scores continue to go up. So, I think ok, now I can apply for the mortgage. I go in again to all 3 agencies and unlock my accounts so the mortgage company can run my credit, and what to my wondering eyes appears but a lower score by 36 and 38 points. I was dumbstruck. I am very angry. Also XXXX   keeps advertising this XXXX  program. I go there once a week and try to get on that but every time I try my bank isn't in their system to get in on that program. These 3 agencies are just a racket. Maybe they shouldn't be allowed to be so commercialized or offer programs. I've lost respect for them. Also, when trying to call these agencies you can't talk to a human. It's all automated, so I can't call and complain with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX is now run by Synchrony Bank. I am behind on my payments. They call me from phone number XXXX 10-15 times every single day ( even Sunday ). Some of the calls are back to back. They never leave a message, but they should not be allowed to call anyone that many times in a day. That is harassment.

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 2019-10-13
Company: Financial Business and Consumer Solutions.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I changed my address and had XXXX transfer to new address. It is a free service the offer but somehow they made a mistake and had my cancelling service hence charging me a XXXX dollar early termination fee. I have contacted them 20 times as well as speaking to their corporate office in Pennsylvania with XXXX. I have been assured for months they would fix and never did. Now it is in collections with a company called Financial Business And Consumer Solutions . Please Help! 
Thanks for your time, 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 2019-07-11
Company: I.Q. DATA INTERNATIONAL, INC.
State: UT
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.Q. Data International Inc is reporting a debt I do not owe. I made my last payment in XX/XX/2015 and gave a 30 day notice to indicate I was leaving. They are trying to charge me for the entire time that the apartment was vacant before new renters. This debt should be past the statute in California as the date of last activity they have is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: Merchants' Credit Guide Company
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:
Noticed incorrect information on my credit report from Merchants Credit Guide. Tried disputing with all 3 credit agencies but information still hasnt been removed. I spoke with Merchant Credit Guide regarding all 5 accounts and provided documentation from my insurance company showing accounts paid in full prior to going into collections. Creditor verified payments received and information will be deleted from my credit reports. Accounts will be removed and reappear after some time, I also spoke with the original provider who stated they have no information on file for me with me having an outstanding balance. Whenever I try to upload my documents when disputing the information isnt being reviewed properly. I want the accounts removed from XXXX, XXXX and XXXX.

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 non-monetary relief
Consumer complaint received 2019-10-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My estranged soon to be exwife filed a bankruptcy that i was not a part of and she used our home that has both our names on the loan an deed without my knowledge or permission. I was never notified of this action by anyone. I found out after i was XXXX. But now Chase is reporting on my credit report that this account is closed even though i am still responsible for the balance and the mortgage payment and i make it every month but i do not get credit for doing so on my credit report. This is a large portion of my credit. On my report they are saying this account was closed on XX/XX/2017 and it may be on her. But it is not cloed on me. I have called them on 5 different occasions just to get told they can do nothing about it. She filed bankruptcy not me but i am being punished and yet if i don't make my payments i lose my home because this account is not closed for me. It is open and i am paying it. I had to catch up back payments to keep from forecloser yet i get not credit for any of my payments it has me in such a way that. After my semi trucked burned my credit score wont even let me get a loan to teplace it. It is about to ruin me because of this misreporting on my credit. It is about to ruin me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
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:
These are not my accounts. Please remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent letters to Equifax, XXXX, and XXXX requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XX/XX/XXXX, I have not received a written response from either one of the Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, the Secretary of my condo association sent an request to my mortgage company on my behalf letting them know the owners have decided to dissolve our association. The Association attorney gave her a form to send to all the mortgage companies to sign. I gave her my mortgage information with my permission to send it. I received an email ataing they needed my authorization from personal email or a written authorization which I immediately sent an email back. When I did this, they replied on XX/XX/2019 not to me, but in the Association 's Secretary 's name to my personal email. After a few weeks I called them and contacted them by phone and was told the form needed to go to a different department but it would be escalated. I explained that I needed this 1 page form signed as soon as possible in order for the whole Association not to have to pay another 6 months of Association fees. I sent emails on XX/XX/XXXX & XX/XX/2019 and every return email came back to me stating that I would receive and answer within 3 business days.Saturday, XX/XX/XXXX, I received a call from them at XXXX XXXX stating they are working on this and I will definitely receive a call on Monday the XXXX. That call never came. On Monday, XX/XX/XXXX, I called the Customer service and was on the phone for over an hour waiting for a supervisor. I was told I would receive a call back that day - never received one! On XX/XX/2019, I sent an email to XXXX XXXX, the Senior VP of Client Relations and have hear nothing! I even asked my the lady who helped me with my loan to contact them and her company can't get any answers. On XX/XX/2019, I received an email saying " they have made several attempts to reach me in order to address my inquiry ''. They have not tried to contact me at all! Due to the nature of my job, my phone is on at all times and there are no missed calls from them. Since this has gone over 2 months, the whole Association has to pay another 6 months of fees because this company can not take the time to sign a one page document. How am I supposed to trust them with my morgage if something this simple keeps falling through the cracks??

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 2020-10-08
Company: Atlantic Recovery Solutions LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These people have called and texted me for years and Ive advised them that they have the wrong number repeatedly. Last time I called ( today ) they said they have no record of me reporting a wrong number to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I replied to a job hiring for a XXXX XXXX XXXX XXXX on XXXX. I text the person and he lived about two hours from me. So I said sorry j wasnt j terested Shortly after, he called me at XX/XX/XXXX and advised me to log on to Experian and her my credit report. Having done some research previously, I know that obtaining your credit report is free one time a year. He had now called me twice the following day on Sunday and really is pressing to obtain my name and pushing to encourage me to complete the experion.com form. After which I assume he intends to ask for my password to " analyze '' my score. He has called from two numbers so far. XXXX and XXXX and the only name I know him by is 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 2019-10-13
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2018 I set up a automatic transfer of $ XXXX. from my savings account to my checking account. I have direct deposit for a service-connected XXXX. I gave my debit card to a friend to pay bills and send me money while I was XXXX. I also gave him my laptop for safe-keeping. 

In XX/XX/2018, after not hearing from my friend and sensing something amiss, I wrote at least two letters to my US Bank branch , which it neither replied nor have any record of. On XX/XX/2018, in addition to the auto-transfer of {$500.00}, another {$360.00} was also transferred. This transfer could only be happen with access to the Online Banking which I never gave my friend permission. The only access with the laptop. 

On XX/XX/2018, US Bank tells me it found fraud on the account. Instead of contacting the account holder ( me ) of the fraud, US Bank disabled only the Online Banking but left access to transfer funds at any ATM. The account was finally completely blocked after someone requested 6 new debit cards in two weeks. While the new debit cards triggered letters and red flags to my account messaging, there are no messages or red flags around the date of XX/XX/2018. 

During fourteen months, I received {$14000.00} of VA Disability.  Less {$7000.00} for auto-transfer and {$410.00} remaining in the account, leaving a loss of {$6800.00}. I feel US Bank acted negligently when receiving concerns by me in XX/XX/2018, the bank did not reply. A second incident occurred on XXXX XXXX, 2018, in that the bank discovering fraud on the account, merely disabled Online Banking, and therefore, exposing the account to further fraud. There appears to be very little information available from US Bank. 

At one point, the friend went into Online Banking and changed the phone number and the email address, yet there was no notification of that change was provided at the time. Had US Bank acted in the best interests of the account holder, the bank would have blocked all debits until it heard from the account holder.

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 2020-09-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX  CARD. The dates were XXXX, XXXX XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit. The CARES Act calls these  agreementsaccommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I paid off and closed this account with XXXX XXXX XXXX on XX/XX/2019. 

They have YET to report to the Credit Bureaus that my account is PAID AND CLOSED. I have contacted XXXX 5 different times : XXXX XXXX : XXXX-XXXX-XXXX XXXX XXXX : XXXX-XXXX-XXXX XXXX & XXXX : XXXX-XXXX-XXXX Monday - Saturday XXXX - XXXX ET Sunday XXXX - XXXX ET XXXX They assured me that on XX/XX/2019 the credit reports would be notified the account was paid and closed. This has NOT HAPPENED. Today is XX/XX/2019 I have disputed this with Transunion twice and XXXX three different times. XXXX I have provided the letter stating the account is closed and has a XXXX  balance and they still state that after contacting XXXX the account information reflected on my report will remain. This has negatively affected the rate I will receive on my mortgage.

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 2023-03-28
Company: Experian Information Solutions Inc.
State: AL
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:
Information exposed in data breach and reporting of inaccurate data please remove accounts

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 2021-03-08
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX joined our debt management company in XXXX of XXXX. Proposals were sent on XXXX and XX/XX/XXXX and no reply was received and each time we called the representative requested we resubmit the proposal and gave us a run around. This added unnecessary months of fees and interest to my account. This account felt past due at no fault of her own. We are requesting : 1- correctany negative reporting that was a result of failure to notify client 2- refund client fees charged as result of that error

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-01
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of 2020, a merchant denied me of cancelling items that I told them I would no longer need. I used synchrony bank to make the purchase and complied with the companys policy to cancel items before XXXX  hours. I contacted the company via phone and told them I will no longer need the furniture and they attempted to push the items on me XXXX times. I refused the items and never received and they wrongfully reported to synchrony bank that I took the items. Ive contacted synchrony bank, and they want me to still pay the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I visited a XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX FL two years ago. As a result, I had XXXX XXXX  XXXX to be exact so I paid out of pocket which means you have to pay upfront. debit card To be exact! long story short I received 4 XXXX XXXX that was not done correctly which ended up needing a XXXX XXXX XXXX on one of them due to the XXXX not being properly XXXX. as a result, it was a horrible story I contacted the XXXX a week later telling them about the pain I was experiencing even after them telling me lies stating the filling just need to be filed down or given a few weeks which turned into months. I wasted over 200 dollars dealing with XXXX XXXX XXXX. So after telling them of my dissatisfaction and to refund me for the terrible service they decides to not refund me or credit me and years later place the balance on my account as unpaid with some credit debt collection called XXXX XXXX XXXX on XX/XX/XXXX and it appeared on my credit report on XX/XX/XXXX to all 3 credit bureaus because I decided to dispute the transaction off of my debit card years before now all of a sudden I owe them wow so fraudulent. If i wanted to be evil I could've filed a lawsuit against XXXX XXXX for providing me with unprofessional XXXX work causing me XXXX   and pain. This XXXX place is a fraud. It has terrible reviews, they're doing terrible work and not resolving the issue and placing the fraudulent bill on people credit. I have contacted them before and I will contact them again and let them know of this issue.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Santander Consumer USA Holdings Inc.
State: MD
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:
Account was shown on the credit report as a late payment Payments are due on the XXXX and payment was made on XX/XX/XXXX and again on XX/XX/XXXX with final paymet due on XX/XX/XXXX. I talked to Santander and they report late payments more than 35 days but it was 33 days and it was not a payment but fees. This has adversely affected my credit score as I never missed a payment

Company response to consumer: Closed with explanation