BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I went to the bank to get a personal loan. I was told I didn't qualify for the loan. I was told It was because of my credit and I asked to see it. Here Is what is listed on my credit that Is not mine. XXXX, US DEP ED, XXXX XXXX, XXXX XXXX, XXXX, Afterwards I called the police and contacted FTC to see what was going on.

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 2019-09-24
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:
NOT A DUPLICATE COMPLAINT I am a customer of Bank of America and a fraudulent transaction in the amount of {$100.00} was posted to my checking account on XX/XX/XXXX. I was not aware of that fraudulent transaction until I went to the branch on the same day to make a cash deposit in the amount of {$92.00} and noticed on my deposit receipt my available balance was showing - {$0.00}, so I went inside of the branch and the representative directed me to call Bank of America and file a dispute and he would return my {$92.00} cash, however that refund was not done by the branch representative. I spoke with XXXX on the phone and filed the dispute, however, Bank of America is holding my temporary credit in the amount of {$100.00}, stating that since I had other claims in the past, they are not going to credit my account on the regular timing until they finalize the investigation, that could take up to 60 days, instead of 2 days. I spoke with several representatives since XX/XX/XXXX which includes XXXX, XXXX, XXXX, XXXX and XXXX ( on XX/XX/XXXX and XX/XX/XXXX ) and on XX/XX/XXXX I spoke with XXXX, XXXX, XXXX, XXXX and XXXX XXXX, but nothing has been resolved and every time I call and a note is put on my account by a representative, the situation is becoming harder to resolve. I asked several times to speak to a manager about this situation, but all the representatives above have refused to transfer me to a manager. Yesterday when I spoke with Bank of America, I was asked to wait until today to have the transaction completely posted, since the transaction was still processing and I would receive a temporary credit for that dispute once it completed or dropped out of my account. Today the transaction is showing posted and I was advised by all the representatives I spoke with and XXXX XXXX that Bank of America is going to hold my temporary credit due to other disputes I filed in the past. I also spoke with XXXX in customer services, but she started to display some angry behavior on the phone as we started to talk, so I thanked her and ended my conversation with her immediately. Bank of America is disregarding that the {$100.00} fuel charge posted to my account on XX/XX/XXXX is a fraudulent transaction and not a merchant dispute and needs to be handled seriously and on a timely manner, since my funds are being held on the fraudulent transaction. I have been treated by Bank of America representatives with disrespect and unwillingness to resolve my issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20
Company: JPMORGAN CHASE & CO.
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: Other problem

Complaint:
On XX/XX/XXXX I purchased a trip to XXXX XXXX XXXX using my Chase Sapphire card part of the payment came from my points. On the day of travel upon arriving in XXXX I noticed that there was a mistake with my booking and it only showed 1 adult instead of 1 adult 2 children ages XXXX and XXXX, the Hotel would not check me in until I paid extra fee of XXXXdollars per night which was total of XXXX USD, On my reservation it showed that an extra child would only pay XXXX as they considered my daughter as an extra person on me and so I only had to pay for my son. 

Though it was clear that an extra child was only XXXX chase refused to refund me the difference XXXX USD. 

See attached letter writing to complain about their lack of obeying fine print. 

Regards XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2019, the collection company XXXX XXXX XXXX engaged in deceptive practices when the company called me with a spoofed caller ID under the name " XXXX XXXX. '' I answered the call as I am local to XXXX XXXX 's headquarters and had reason to believe that the call could have been an opportunity for employment.

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 2019-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
About 2 months ago, I received a phone call from Portfolio Recovery Associates. The claimed that I owed XXXX XXXX about {$500.00} and they were attempting to collect the debt. The person on the phone then said that they couldn't do much since too much time had passed. She then said that if they restarted collections, this would " reset '' the debt and that XXXX XXXX could attempt to collect on it again. I said that I doubted that I owed XXXX XXXX any money and hung up. 

On XX/XX/XXXX, XXXX XXXX withdrew {$5.00} from my checking account without either my wife or my permission. Two days later I received a letter thanking me for setting up a repayment plan with them for the XXXX XXXX card, paying back a debt of about {$500.00}, {$5.00} at a time. 

I did NOT authorize this plan. I did not grant Portfolio Recovery Associates to draw off of our joint checking account. 

I did have an arrangement with them for another debt, which I paid off. I believe the accessed my account information from there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Valentine and Kebartas, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
THEY CALLED MY PLACE OF EMPLOYMENT HARRASING ME AND MY EMPLOYER XX/XX/2019. THEY WERE TOLD NOT TO CALL. TO MAIL CORRISPONDENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
4TH COMPLAINT AGAINST PHH MORTGAGE SERVICES Previous complaint # XXXX It is truly appalling to see the disgusting corruption, lack of attention and downright negligence and ignorance on the part of OCWEN/PHH Mortgage. They knew that my loan was going to be sold as evidenced by their letter dated XX/XX/19 ( attached ) so they moved forward with subjecting us to their lies and additional process so that we could not access the insurance funds required to pay for repairs on my home. Now, they can further delay repairs for over 30 days!!!!!! 

Today, our area is in a state of " fire warnings? '' My home still has broken windows, but it is apparently okay for Ocwen/PHH to get away with their inept and incompetent responses. 

THEY APPROVED IN WRITING AN EXCEPTION! WHY IS THE CFPB DOING NOTHING ABOUT THIS SITUATION?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: MN
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:
In XX/XX/XXXX my credit score dropped 76 points. I was n't sure why because I have all open accounts paid on time. A closed account from Automobile Acceptance that was closed in XXXX was reopened and showed my last payment as of XX/XX/XXXX. I contact the lender and also disputed with all three credit bureaus. I opened a complaint with the XXXX XXXX XXXX and the company admitted it was a mistake due to a new payment system. They also said that it would be fixed. Months later still not fixed. I sent the attached letter to the credit bureaus showing the mistake and they still have n't fixed it. The company still has n't fixed it. This has caused a 76 point drop and due to this I ca n't qualify for a home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions 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:
There was a Collection Account Open on my Credit Record back on XX/XX/2021. I have contested this Collection Account because it is not mine and it's related to Identity Theft. We have contacted the Collection Company and or the Original Creditor ( XXXX XXXX XXXX XXXX ) to let them know about this Fraudulent Account, but they have been unwilling to remove it. I was advice by Experian to file this FTC Report so I can continue to dispute this Collection Account.

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 2019-09-24
Company: Reverse Mortgage Solutions, Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we sold our home and the title company sent payoff funds to Reverse Mortgage Solutions , Inc . The payoff was calculated through XX/XX/XXXX. The funds were wired and they received them the same day as the closing ( XX/XX/XXXX ) and this was later confirmed by a customer service representative of Reverse Mortgage Solutions. The payoff amount provided to the title company included a disbursement of {$950.00} due to be made on XXXX XXXX which was the middle of the XXXX XXXX weekend holiday. SInce they received the funds on XX/XX/30 they never made the disbursement but were still reimbursed for it in the payoff. I have called twice and was instructed to contact their payoff department by e- mail and or FAX as they don't take phone calls. I did both several times and have still not received a response or refund of the overpayment of {$950.00} plus the extra 5 days per diem that they received totaling over another {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Over the last 120 days American Express has emailed and mailed me over 17 notices asking me to apply for either the Delta Gold, American Express Green or the American Express Blue card. I have a credit score of over 734 with established credit card accounts with XXXX ( 2 ), XXXX ( 2 ), XXXX XXXX ( 5 ), XXXX XXXX, etc. Oldest credit card line is over 37 years old with no late payments. I believe American Express 's credit approval system is working in an opposite direction than their marketing process, thus misleading many consumers ... promising in their marketing materials you are " pre-approved '' and wanted by them but their electronic process has obvious errors built into their system. I want American Express to stop misleading the consumer with misleading marketing messages and have my application reviewed. 

I am a top loyalty program XXXX flyer with both XXXX and XXXX XXXX memberships. XXXX has told me I am flagged for special treatment if I file any complaints and that they want to keep my flying loyalty. I currently sit on the XXXX XXXX XXXX XXXX for XXXX and deal directly with XXXX and the local airport management as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I completed a full documentation refinance transaction with XXXX XXXX XXXX   thru a broker named XXXX XXXX signing closing documents on XX/XX/XXXX. My previous loan was held with XXXX and the new transaction was originated thru XXXX ... additionally my current loan was kept and is serviced by XXXX. I was approved to close in mid XXXX and completed the closing without issue on XX/XX/XXXX with a guarantee to fund before the end of the month. My XXXX payment was outstanding, and I followed up with XXXX and my broker multiple times to ensure that it did not need to be paid. I was assured that the funding of the loan would occur in XXXX and that the payment was included in the payoff of the old loan. Additionally, XXXX waived a late fee proving that this was in fact made note of in their system. I followed up on the funding of the loan daily, and was assured on XX/XX/XXXX that the loan was funded and satisfied. It was not until XX/XX/XXXX that I realized that the entire time XXXX had reported me 30 days late regardless of the aforementioned facts. The entire time I had the money to make the payment as scheduled and was told not to make it by both the broker and XXXX. It has drastically reduced both myself and my wife 's credit score. We could not take advantage of multiple rewards offers for credit and we can't refinance to obtain the currently low interest rates. Prior to this we had a perfect payment record and our scores were almost 800. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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 heck 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 XXXX 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 non-monetary relief
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: DC
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/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Experian, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system depends upon my consumer reports being fair, and accurate to me. Pursuant to 15 usc 1681 ( a ) ( 1 ). Pursuant to 15 usc 1681 ( a ) ( 2 ) congress make it clear that you are an elaborate mechanism with no real standing, or authority.

Pursuant to 15 usc 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, causing XXXX XXXX XXXX XXXX  XXXX. I have been unable to get a job because of you assuming this role. 
Pursuant to 15 usc 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with me the consumer. You have no proof that this transaction even took place. You are also impartial, because you allowed information to be reported while only hearing one side of the story.You also infringed on my privacy.by having a conversation about me with a third party and reporting this information as a result of this third party. I am demanding that this information be removed as soon as possible. 
Pursuant to 15 usc 1681 ( a ) ( b ) You did not meet the needs of commerce this was NOT fair and equitable to me. This information is NOT accurate.

You are in violation of 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction, Which you would not know because you were not there, it would be a transaction that solely took place between and the person that allegedly made this report. So pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) it should be excluded from my report. 

ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : 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 2022-08-11
Company: EQUIFAX, 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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck 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 XXXX  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 XXXX. 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 XXXX  more than 21 times. XXXX 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 XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation