BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
Company: Experian Information Solutions 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:
I reached out to you guys around XX/XX/2018 regarding some things on my credit that is not mine. The accounts were removed except for XXXX XXXX XXXX and XXXX XXXX. As I went through my reports I also saw some inquiries that I dont know nothing about. XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Please have this false information removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-02-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I should not have been sent to collections from Penny Mac. I was going through a refinance on my house at the time and everything was paid off on time. Even when I emailed Penny Mac they agreed, so why they sent me to collections is beyond me. It was transferred from Penny Mac to Solidify through XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: BANCO POPULAR DE PUERTO RICO
State: OR
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:
I did a balance transfer from my account with a promotional rate of 0 % for 12 months. I have not yet reached this 12 months and am paying the card. I could not remember how many months the promo rate was for and so searched my statement high and low and all the terms and conditions. NO information as to when the promo rate was to end. I subsequently called the credit card ( Popular Credit ) and asked when this promo rate ended. The CSR gave me one date then went away and came back to me with another date. I then told her that I really need to be able to see in writing as to when the promo rate is valid as I was not feeling confident in her shaky response. I asked where this was in all my information ( statement, online, etc. ). She said it was not posted anywhere. I proceeded to let her know that this is the only card I have that does not list CLEARLY ON the monthly statement as to when the promo rate will end allowing the consumer to plan accordingly as it can be easy to forget the original terms. ( I could not remember if it was 12 or 18 months ). I said that I think this could be illegal and predatory behavior on the part of the credit company.

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 2020-05-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Tried to buy gas on XX/XX/20 with Chase bank debit card. Denied, got three different XXXX  reasons for the decline. Called main phone number - transferred to corporate ( XXXX ) XXXX, # XXXX. No reason given for problem with my card, will investigate? I told her I needed the card to work by XXXX on XX/XX/XXXX as I had to go to XXXX XXXX, a 45 minute drive and I needed to put gas in my car. No reply, no reason, no new card, no opening on existing car. 
This situation is past absurd, Chase doesn't know what Chase did? Not acceptable under any circumstances. I need this fixed ASAP. I have more than sufficient money in the account, therefore I need an immediate remedy. I HAVE to be able to get to MY MONEY. Things are bad enough with C19 without utter XXXX  added in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20
Company: MiraMed Revenue Group LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent a letter to MIRAMED REVENUE GROUP , LLC about a alleged debt of XXXX that i dont owe that MIRAMED REVENUE GROUP , LLC are reporting on my credit report.it is inaccurate and needs to be deleted. i sent the letter usps ceritifed mail w/tracking # XXXX XXXX XXXX XXXX XXXX and it was Delivered : Tue, XX/XX/XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I disputed information stating XXXX XXXX XXXX XXXX processed charge off payments in XXXX - XX/XX/XXXX. I sent documentation to XXXX and the other reporting agencies that the total amount of the loan was paid in XXXX. It was a voluntary surrender of the RV, it was sold at auction and I paid the balance of {$39000.00}. XXXX XXXX XXXX XXXX erroneously reported that I had a balance and I fought it through a private consumer credit agency. XXXX XXXX XXXX XXXX closed the balance when realizing their error ; however, reported as charge off in XXXX which has plummeted my credit scores. I did everything right and am still be punished in XXXX after loan was paid off in XXXX. I want my credit history with this account accurately reported to all the agencies.

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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed while preparing to buy a home that I had a lot of activity that I didn't sign off on 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 have been writing in about this issue for a while and I am at a loss. once 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. 
Account Name : XXXX XXXX  Account Number:XXXX Account was opened : XX/XX/XXXX Account BalanceXXXX Account Name : XXXX XXXX  Account Number:XXXX Account was opened : XX/XX/XXXX Account Balance:XXXX Account Name : XXXX XXXX  Account NumberXXXX Account was opened : XX/XX/XXXX Account Balance : {$6200.00} Account Name : XXXX XXXX  Account NumberXXXX Account was opened : XX/XX/XXXX Account Balance : {$4000.00} Account Name : US DEPT OF ED/XXXX  Account NumberXXXX Account was opened : XX/XX/XXXX Account Balance : {$21000.00} Account Name : XXXX  XXXX XXXX  Account Number:XXXX Account was opened : XX/XX/XXXX Account Balance : {$12000.00} Account Name : US DEPT OF ED/XXXX  Account Number:XXXX Account was opened : XX/XX/XXXX Account Balance:XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account was opened : XX/XX/XXXX Account Balance : {$2600.00} Account Name XXXX XXXX XXXX  XXXX  Account Number:XXXX Account was opened : XX/XX/XXXX Account Balance: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 2020-11-12
Company: ALLY FINANCIAL INC.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
- XX/XX/XXXX I paid the remaining balance of {$350.00} on my account. 
- XX/XX/XXXX I have a credit on my account of {$350.00} due to the promo payback credit offered at the time of opening my account ( 0 % interest if paid full loan amount by XX/XX/XXXX ) - XX/XX/XXXX I called the customer service number ( XXXX ) to inform the company that I still had not received my check from the credit. The representative insisted that the check had been sent and was in the mail, I should receive it in 7-10 business days. 
- XX/XX/XXXX I called to question what happened to the check that was supposed to be mailed to my home address. The representative told me that she was unsure what happened and would put in an investigation to determine what was going on. I was told I would receive a call back within a week. 
- XX/XX/XXXX I call again to figure out what is going on. I was told that the check was sent and cashed on XX/XX/XXXX into a XXXX XXXX account. I let the representative know that I do not have a XXXX XXXX account, nor do any exist in the state of MA. I was told there was a picture of the check with my signature on it. When I asked for the picture to be sent to me via email, I was told that this was not possible but I could receive a copy in the mail in 7-10 business days. 
- As of todays date, I have yet to receive my refund or the image of the check. 
- XX/XX/XXXX The representative told me that there was nothing they could do, and they would not cancel the first check nor send me a new one. I was told that I should file a police report if I thought that someone took the check out of my mailbox. 
- XX/XX/XXXX I call XXXX XXXX myself to try to sort out what happened and report fraudulent activity. I was told that the account number on the check with my signature is an employer account, not a personal checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am no longer able to link my account with my XXXX  app. This is frustrating I should have that right to link my account ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: CHECK INTO CASH INC.
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I recieved a phone call about the debt. I had already worked out a payment arrangement with XXXX. When I had talked to the man XXXX he had informed me that legal action would be taken immeditely if i did not pay the debt. He was willing to work out a payment agreement. I did that. Agreeed that I would pay XXXX  weekly to mine and XXXX  weekly to my husbands. I have since been in contact with CIC again and they denied that was them. I did however pay XXXX $ to mine and XXXX $ to my husband. It would not be that big of a deal had i of not already paid the XXXX $ each.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Synter Resource Group, LLC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 we received a Collections Notice from XXXX XXXX XXXX XXXX XXXX  XXXX We are completely unfamiliar with the company and have never engaged in any business transactions with them. We have tried to contact the person listed in the letter since Monday without success. Today we sent the Collections Company an email notifying them of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Resurgent Capital Services L.P.
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 information incorrect

Complaint:
Credit report shows I disputed XXXXLVN Funding account. Never disputed this account, would like for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pulled my credit report from XXXX XXXX  and I saw a few hard credit inquiries that on my credit report without my knowledge. On XX/XX/XXXX, I contacted the credit bureaus and they stated that I need an FTC report to back my findings. I did not authorize any of these credit inquires. This is done by Fraud.

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 2019-08-27
Company: EQUIFAX, INC.
State: NE
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:
WHY DID ONE ACCOUNT OF XXXX XXXX XXXX COME OFF OF MY REPORT? YET THE OTHER STAYED ON THERE. PLEASE REMOVE THE NEGATIVE CLOSED OFF ACCOUNTS FOR XXXX XXXX XXXX AS FOR IT IS REALLY AFFECTING THE STATE OF MY CREDIT HEALTH. THESE ACCOUNT S WERE OPENED ON XX/XX/XXXX AND XX/XX/XXXX. WITH BALANCES OF XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Capital One 360 Bank in 2014 i made some deposit into the account that were placed on hold since then I've been contacting capital one 360 bank Security team to try and get the funds but still haven't gotten the funds left in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Back In year XXXX, I was the co signer for a loan for my ex son in law, Mr. XXXX XXXX. He started paying in good standing, then he stopped. 

I marked in your questionnaire it was with XXXX university but that was not real, i chose that because i need an option for continuing with this claim. Back in that time it was an institution call " '' XXXX '' based in XXXX, Florida. And the degree was to become a XXXX XXXX. My son in law, never finished the degree or pay for the loan, and then divorced from my daughter. Actually Mr. XXXX lives in XXXX XXXX Nevada. 

Many debt collectors acquired this loan, but it seems it was reopened back in XXXX and still into my credit report. Now, I am trying to refinance my home into and FHA loan and this situation is not allowing me to do that, avoiding me to lower my monthly rent payment. The mortgage banker provided me with your contact information.

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 2021-05-23
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
It is sad to see that Navy Federal Credit Union does not care about its members. On XX/XX/2021, I submitted a complaint to the CFPB about my account being closed. I explained that I missed all the payments because I was under an XXXX XXXX due to XXXX. I was under an iXXXX XXXX for a whole year. I had no way to make the payments during this time, and as soon as I recovered, I contacted all my creditors and worked out a plan to reopen the accounts and get them back to good standing. Most of my creditors reopened the accounts and removed the derogatory marks off my credit report, as they understood covid19 was something they had never seen before. The only creditor not willing to work with me is NAVY FEDERAL CREDIT UNION. Instead, they have been constantly calling me about paying less of what I owe, this is not what I want. I also received a letter stating they would accept a lump sum of XXXX no later than XX/XX/2021. This is not what I want. I want NFCU to do what every other creditor did and reopen the account and remove all the derogatory marks on my credit report. 

NFCU, if someone with a XXXX is reading this, I HAD XXXX. I WAS IN THE HOSPITAL. Someone please help me open my account back up, I will pay what I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: FL
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:
Back In year XXXX, I was the co signer for a loan for my ex son in law, XXXX XXXX XXXX. He started paying in good standing, then he stopped. 

I marked in your questionnaire it was with XXXX university but that was not real, i chose that because i need an option for continuing with this claim. Back in that time it was an institution call " '' XXXX '' based in XXXX, Florida. And the degree was to become a XXXX advisor. My son in law, never finished the degree or pay for the loan, and then divorced from my daughter. Actually XXXX XXXX lives in XXXX XXXX Nevada. 

Many debt collectors acquired this loan, but it seems it was reopened back in XXXX and still into my credit report. Now, I am trying to refinance my home into and FHA loan and this situation is not allowing me to do that, avoiding me to lower my monthly rent payment. The mortgage banker provided me with your contact information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX. The ID Theft report number XXXX and attached is a copy of the ID Theft Report with this complaint. Please review.

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: Law Offices Howard Lee Schiff, P.C.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company sent false information stating that that they presume that from my validation request, which is my right to do, that I do not wish to be contacted about this debt and they will be unable to speak with me. No where did it state in my letter to cease and desist communication. How else will I resolve such matter if I dont speak with them? This is a false tactic on their end

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My Husband XXXX XXXX XXXX and I started two 5-year CDs in XXXX, at Capital One Bank. They were supposed to be jointly owned and the accounts originally labelled the CDs as such. Now after the Estate department from Capital One had the details of my husband 's death, the CDs don't say joint anymore- the new records show each of us as individually owning one of the CDs. 
My husband passed away on XX/XX/XXXX, and his will and the Trust document clearly state that all his assets will pass unfettered to me and I am to be the trustee after he passes away. 
I passed these documents to Capital One 's estate department after his death and asked them to do one of the following : Add my name to my husband 's CD account ( this is my preferred choice in line with my husband 's Trust Document ) or Keep the CD in my husband 's Trust account with the EIN number I have got for his Trust and add me as Trustee as per my husband 's Trust document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
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 information incorrect

Complaint:
I called Experian fraud dept. trying to remove unauthorized hard inquiries off my credit report, the representative refused, and misinterpreted what I said and refused to remove misspellings of my name ; or help at all, at my request she took my number and stated a supervisor would call me within 24-72 hours

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