BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
TRANSUNION IS VIOLATING FEDERAL LAW AND REFUSING ME ANY ACCESS WHATSOEVER TO MY CREDIT REPORT SINCE XXXX XXXX ARE COMMITTING ILLEGAL ACTIVITY UNDER FCRA.I CANT GET MY WEEKLY FREE REPORT UNDER THE ANNUAL FTC FREE ANUAL CREDIT SITE OR ONLINE WITH TRANSUNION. XXXX HAS BLOCKED ME FROM ANY REPORT OR DISPUTE AND LIES TO CFPB, ESPECIALLY SAYING THAT IM AN UNAUTHORIZED PERSON. I DEMAND MY WEEKLY CREDIT REPORT FO FREE ONLINE NOW!! I DEMAND TRANSUNION INVESTIGATE XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. THEY ARE FRAUD AND ILLEGAL ITEMS. I CAN NOT ACCESSMY TRANSUNION REPORT AND I DEMAND IT NOW AS IM A VICTIM OF IDENTITY THEFT AND TU REFUSES TO INVETIGATE MY COMPLAINTS. TRANSUNION IS VIOLATING FEDERAL LAW BY DENYING ME MY TRANSUNION REPORT!! STOP IT AND GIVE ME ACCESS NOW!!

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 2018-04-02
Company: SECURITY FINANCE CORP
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Refuse to validate this account please validate or remove

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 2018-04-27
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 information incorrect

Complaint:
I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with. I was saddened to learn that you somehow verified these disputed items, with my address and social security number, dont know how you did it, but, its not correct because XXXX XXXX XXXX XXXX NOR THEIR CLIENT has this account number attached to THIS ADDRESS! With a signed contract that bears my signature. And they are electing to leave this error ON my 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 2019-03-25
Company: Penn Credit Corporation
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On Sunday XX/XX/2018 I received a call from Penn Credit Corp at XXXX. Which is a debt collector attempting to collect a debt in the amount of {$800.00}. On behalf of the energy company XXXX, whereas I also feel and know I don't owe that much due to service being for short period of time. I'm filing a complaint because this isn't the first time Penn Credit Corp attempted to contact me on a Sunday. Not to mention the automated recording asked how would I pay the debt, and if I would like to contact them during business hours. Stating they weren't even open if I wanted to discuss the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Myself and My Wife are very confused at the way CHASE BANK is handling our mortgage transfer to another servicer. We recently received a letter from Chase stating that we should not send any more payments to them that they no longer service our mortgage, which we have no issues with what so ever. the thing that we have lost sleep over and confused us is the fact that the letter is signed by a XXXX XXXX and it says we will receive instructions from XXXX XXXX but it also says we will be sending future payments to XXXX XXXX at another entity when the same XXXX XXXX signed the letter attesting to the fact that he is clearly an employee of Chase a managing director, where the letter says not to direct any payments to. So my wife asked how is he working at both banks isn't that a conflict of interest. Which bank does he actually work for? and how isn't this the most confusing mixed message ever?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, 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:
I opened an account with XXXX  XXXX  in XX/XX/XXXX because I wanted to increase my score in order to be eligible to purchase a home. I paid every month on time, but my balance never decreased. After noticing my balance never decreasing, I called and requested to have the accounts closed on XX/XX/XXXX. I received a credit report refresh on XX/XX/XXXX, and noticed the accounts were still reporting and also reporting 30 days late! 

I called the company after noticing this incorrect reporting and was told the account was never closed. The agent I spoke with did go ahead and close the account and send me confirmation that the account was now closed, however, she stated she couldn't do anything about the reporting. Although, she stated it was their fault for not closing the account when I requested, but refused to rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
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:
Wrong info, not mine : FCRA violations XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-08-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XXXX XXXX I disputed some delinquencies or late payments that where on my credit report to experian XXXX and XXXX   credit bureaus. I have been in a Chapter XXXX for four years they XXXX XXXX XXXX is the servicer of my mortgage and they have been reporting my mortgage payments to all three credit bureaus until I disputed the information that I felt that was inaccurate. The result of my dispute was that my credit report was red flagged and closed even though I have and open account with XXXX XXXX XXXX my XXXX score was in the XXXX hundreds now is XXXX. I fell that this was retaliation for me disputing the delinquencies on my credit report and am also in a Chapter XXXX. Under the Bankruptcy Law 11 U.S.C Section 1328 states and I quote Debts not discharged in a chapter XXXX include certain long term obligations as home mortgages so it is not there right not to report my mortgage payments to the credit bureaus.I feel very strongly XXXX XXXX XXXX violated my rights under the Fair Credit Reporting Act.I would like for my credit report to be restored the way it was before I file any dispute and that XXXX XXXX XXXX remove the Chapter XXXX from my credit report my account number with XXXX  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 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a mortgage loan with XXXX ( Account number XXXX ) The first delinquency on this loan was in XX/XX/XXXX. The first delnquency listed on the credit bureau files shows 90 days late in XX/XX/XXXX. It was placed in forbearance but never brought current. It was ultimately foreclosed. Federal law says that it had to fall off my file inXX/XX/XXXXdue to federal obsolescence guidelines. I disputed it and it remained.

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 2020-10-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Earlier this year I received a computer generated form letter from JP Morgan Chase dated XX/XX/XXXX ( please review attachment 1 ). As of the letter 's date, I was out of town & returned outside of their 15 day window. 

I responded via e-mail to their executive team ( please review attachment 2 ) Received a call today from 1 XXXX at their Executive office ( XXXX XXXX ). She was obtuse & obnoxious. She refused to have the card reinstated even though I explained to her that due to the pandemic quarantine & travel restrictions, being out of town, I was physically not in receipt of their letter during that 15 day window to effect usage of the card. This is outrageous and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company is Diversified Consultants. They continue to call me many times a day looking for XXXX XXXX. I have told them several times XXXX XXXX is not at this phone number and please remove this number form their contact list. THIS IS NOT MY DEBT. They continue to harass me and refuse to stop calling. 

They call before XXXX XXXX Arizona time. They hang up after I answer. And call multiple times per day. 

They call from multiple phone numbers : XXXX XXXX XXXX When I call back I am not able to speak to anyone. Get a recorded message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
I made several cash advances and regular purchases while having promotional balances. I made payments greater than the minimum payment to payoff the cash advances and regular purchases balances, however this did not eliminate the cash advances and regular purchase balances. Currently the interest is minor, but I am concerned that I will not be allowed to pay one of my promotional balances before it expires. Instead the bank will allocate my payment so that they can charge interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: EQUIFAX, 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 status incorrect

Complaint:
Currently on all XXXX and Equifax my car loan is saying account is closed. I`m currently paying on my loan every month and I have the car in my possession. I have been trying for 4 months to fix this problem, Its hurting my credit. I have alerts sent to my phone saying that I missed a payment when I really don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Genesis FS Card Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not responsible for this debt and we do not have a contract. In addition, you lack a license to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: GVA Holdings, LLC
State: SC
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 was not me. I had identity theft 2 years ago. They did this. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The statute of debt limitation on collections and chargeoffs in the state of Tennessee is 6 years. The statute of debt limitations on collections and chargeoffs under the Fair Credit Reporting Act is 7 years. These accounts have been disputed with the credit bureaus to come back verified and that can't be true as these accounts have not been active since XXXX and XXXX. There are XXXX accounts on my credit report that are due for deletion. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - 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 non-monetary relief
Consumer complaint received 2021-05-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
First I am once again notifying you for the XXXX time that my information was impacted by the XXXX  data breach. 

This is in response to a notice that I received from that the CFPB. I was informed that my complaint was deemed by your company as distrustful on my part due to you feel my report was not created by me. I feel that this is another attack on my character by your company. I feel like your company is attempting to get around the rules set out by the FCRA in section 611 ( a ) ( b ) ( c ). 

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taking advantage of and being ignored of my disputes. 

I demand you conclude your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.

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 2021-05-05
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PNC has had all the documentation needed to give me a closing date on my mortgage, and they won't give me a date when we can close my mortgage. Any information PNC requested I've sent over same or next day. Any time the closing date approaches PNC has a last minute information request that delays closing additional days. I've had to resend the same documents over and over again to PNC. We were supposed to close on XX/XX/XXXX, and it still isn't closed and I don't have a closing date as of XX/XX/XXXX. No one is helping at PNC, no one is explaining what has happened, and no one can get answers. I think PNC may be intentionally delaying the processing of my mortgage so I have to have a higher interest rate. 

On Monday, XX/XX/XXXX, PNC added {$30000.00} to my cost to close for no reason out of nowhere. It made absolutely no sense, it was wrong, they had to correct it, and it's another reason they've given me to delay closing. Now today XX/XX/XXXX, more than a month after submitting documentation needed to close, PNC just asked me to confirm that I work remotely ( after more than a month of having documentation on my employment ). 

PNC is costing me XXXX of dollars, they are not giving me any info, and they are not resolving the issue. I desperately need help to force PNC to process my mortgage in a timely manner. I'm getting screwed over again and again and again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Williams & Fudge, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received an statement stating I owe funds to the XXXX XXXX XXXX XXXX but there is evidence that I owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX I made a payment to my BP gas credit card to Synchrony Bank for my XX/XX/XXXX bill, they posted my payment to my all ready paid XXXX bill and charged me {$27.00} late fee and reported that I was all ways late to the credit reporting agency. ON top of that they canceled my membership to Sam 's club and canceled my sams club   credit card on or about XXXX XXXX! 
ON XX/XX/2019 they charged the me a membership fee of {$100.00} for a membership that they canceled! 
This is XXXX is due to my not payinf their clinet XXXX for the over {$15000.00} damaged almost casuing fires, that XXXX company XXXX XXXX XXXX XXXX did to my home!!!

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 2020-08-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To whom it may concern, I have tried to communicate effectively with the following credit reporting agencies Equifax, XXXX and XXXX but was unsuccessful during my attempts XX/XX/2020. XX/XX/2020, XX/XX/2020 and XX/XX/2020. The account listed as XXXX XXXX XXXX XXXX Credit Card is a fraudulent account that has appeared on my account monthly with an increased balance monthly as a closed/ charged off account. The credit agencies have all responded incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Westlake Services, LLC
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:
WESTLAKE FIN XXXX is being reported inaccurately on my report. I contacted westlake financial to advise the about a hardship due to covid 19 and that I would be paying the car off within 2 months ... .They agreed not to report late payments due to this hardship due to the pandemic. and I in part held up my end of the bargain and paid the car off last month. I need them to delete the late payments that they reported as we had an agreement and this was cause by a pandemic. also they are still reporting a balance on my report and have not updated since XX/XX/2020 ... 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 2020-11-14
Company: JPMORGAN CHASE & CO.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am XXXX XXXX. My car is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Chase auto finance wrongfuly repossessed it in XX/XX/XXXX not in XX/XX/XXXX. They only see my XXXX payment. I was paying even when chase branches was closed due to covid-19. I paid {$600.00} in XXXX {$1000.00} in total on XX/XX/XXXX in a chase branch when chase branches was closing due to XXXX. Chase sent me a letter saying I don't have to pay during the six month grace period but I paid anyway. I have all the proof of payments. They refused to reboot the whole system.

Company response to consumer: Closed with explanation