BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have filed several disputes against items on my credit that are inaccurately there. Payday loans, XXXX XXXXXXXX XXXX, a couple store credit cards and an old XXXX  bill that was sent to collections that I disputed directly with the 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 2018-12-21
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 am so tired knowing that my concern was not attended by Experian!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report 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 explanation
Consumer complaint received 2018-05-04
Company: JPMORGAN CHASE & CO.
State: FL
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 applied for the Chase Sapphire Preferred credit card with the promotional offer of XXXX bonus points after spending {$4000.00} in three months with the annual fee waived for the first year. I was charged the annual fee less than a month after opening the card, after 8-10 conversation with Chase they claim I'm not eligible for the annual fee to be waived, but show no proof of the offer they claim I accepted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-28
Company: Nelnet, 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: Old information reappears or never goes away

Complaint:
ALL OF MY STUDENT LOANS WERE PAID OFF BY NELNET. BUT THE LOANS STILL REMAIN ON BOTH OF MY CREDIT AGENCIES AS OPEN. PLUS THEY ARE SAYING THAT I OWE FED LOAN SERVICING AND THE DEPARTMENT OF EDUCATION AND THEY ARE BOTH IN THE SAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
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 don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on 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 explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/20 I applied for a XXXX co-branded VISA with XXXX XXXX. I was approved, but on XX/XX/20 I received a notice from XXXX XXXX advising me that they did not assign the best interest rate they offer. This notice included information as to why this was the case. 

Included in this notice were key factors adversely affecting my score : 1.  Highest ratio of bank revolving balance to credit limit was too high 2. Too few revolving accounts 3. Insufficient mortgage information 4. Too few accounts currently paid as agreed I reviewed my Transunion report on XX/XX/20 and none of these items appear, with the exception of item # 3, which seems to have dropped off ( my mortgage with XXXX XXXX  is suddenly missing from my TransUnion report, possibly due to a transfer of that loan from XXXX  to XXXX ). 

My credit usage is less than 20 % of available credit lines. 
I have 5 or more revolving credit lines. 
All are current, and have been current for 6 or 7 years, at least. 
No accounts are not " paid as agreed. '' I contacted XXXX XXXX   and was advised to contract TransUnion. I contacted TransUnion, and they provided a copy of my credit report which does not match up with any of the reasons stated by XXXX XXXX  as to why my score was low per their review. 

I need to see the reason why XXXX listed these reasons for my score. Their source, TransUnion, does not seem to provide any basis for this.

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 2020-06-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/20 I order a treadmill form XXXX, Order Number : XXXX, for {$3700.00}. 

The terms of purchase through XXXX XXXX financing partner, TD Retail Card Services, were " 0 % APR for 12 Months with Equal Payments. '' I proceeded to set up these automatic payments on XX/XX/20, however : Despite ( 1 ) setting up 12 monthly payments on TD 's own payment portal, XXXX : XXXX, and ( 2 ) receiving verification of the payment account ( XXXX   Checking Acct ending in XXXX ), and ( 3 ) that account having more than adequate funds to service the debt, TD 's system failed to draw the amount from the payment account, and instead started allocating NSF charges and rapacious interest. 

I was in fact confused by the entire process since I had also entered my XXXX card information on XXXX during the purchase process, about which an email was written by me to my assistant on XX/XX/20. She was subsequently assured by TD that everything was set up correctly. 

Due to COVID and the related business closures via Executive Order, I have been away from my office in XXXX XXXX XXXX until just a few days ago, when I became aware via mail that accumulated over the past three months, that TD has not been properly processing the payments -- which I not only set up correctly but there own online system validated upon my doing so. 

After calling TD to straighten this out today, TD is now trying to collect nearly {$4000.00} from me despite claiming the principal is {$2800.00}. I offered to cut a check today for the principal, and not a penny more, which was not only rejected by TD 's collection representative, but met with the threat of ruining my credit if I didn't pay the entire amount they are claiming is due. 

I reached the rep, along with my assistant on the line, today at XXXX. She identified herself as XXXX and claimed her employee ID is XXXX. 

I am including screenshots from TD 's payment portal illustrating my enrollment, bank statements indicating a sufficient balance ( thereby invalidating the NSF claim and associated fees ), as well as TD 's  statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-11
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: OneMain Finance Corporation
State: VA
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:
Springleaf Financial is reporting a delinquent status on a closed account that has no balance. They are reporting the past status as the current status which is reporting to XXXX and XXXX each month as delinquent and causing the item not to age. Please let me know if you can assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was working with a loan consultant at a different firm then where my mortgage is currently, which is Mr. Cooper, we've been asking them for three months to send a verification of mortgage for the last 5 years as I was looking to move from FHA to conventional. They repeatedly would only send a 12 month VOM. When I called to address with them they told me that they would only do the 12 month and to pull my payment history instead. On top of that, during a pandemic where a lot of homeowners are looking for forbearance, I tried to pay off any outstanding fees along with my monthly payment and they marked me late for the months of XX/XX/2020 and XX/XX/2020, now making it impossible for me to refinance when I wasn't even late. Their statements show one date they reported another but funds drawn from my account are dated where it kept me current. They also offered me a streamline refinance with them, started all the paper work sent it all to me to sign when I never asked and I do not understand how they could if they are showing me late, 60-90 in previous year

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX - XXXX XXXX XXXX {$20.00} XX/XX/XXXX - XXXX {$25.00} XX/XX/XXXX - XXXX {$29.00} XX/XX/XXXX - XXXX XXXX XXXX   XXXX {$28.00} XX/XX/XXXX - XXXX XXXX XXXX   XXXX {$260.00} XX/XX/XXXX - XXXX {$180.00} XX/XX/XXXX - XXXX XXXX   {$290.00} Filed chargeback against these unauthorized charges. Personally I believe this scheme is happening due to an employee either at my residence or s nearby store/restaurant.. all of these charges are within 1 mile of where I live. Bank disputed the charges, of course telling me I have to wait 10-45 days for the investigation to complete, which hurts me because I end up getting harassed by bill collectors and/or getting insane amounts of late fees accumulated.

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 2020-06-29
Company: Experian Information Solutions 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:
I am the parent/co-signer on my son 's student loan that is serviced by XXXX XXXX/XXXX  XXXX XXXX. I send in monthly payments by automatic debit from my business account with XXXX XXXX. I sent check # XXXX for the sum of {$220.00} on XX/XX/XXXX ; and check # XXXX for the sum of {$220.00} on XX/XX/XXXX. XXXX XXXX XXXX lost both checks. I contacted them via email on XX/XX/XXXX and forwarded copies of my bank statements showing the cashed checks. XXXX XXXX XXXX reported delinquency notices on my credit report causing my score to lower approximately 70 points. On XX/XX/XXXX, I spoke with Supervisor, XXXX ( Employee XXXX ). I informed him that XXXX  sent me the cancelled checks cashed by XXXX and asked to settle the account. XXXX informed me that XXXX XXXX  has no process to settle accounts. I want to be able to settle the account due to the unfair damage XXXX XXXX XXXX caused me on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
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:
I am the parent/co-signer on my son 's student loan that is serviced by XXXX XXXX/XXXX XXXX XXXX. I send in monthly payments by automatic debit from my business account with XXXX XXXX. I sent check # XXXX for the sum of {$220.00} on XX/XX/XXXX ; and check # XXXX for the sum of {$220.00} on XX/XX/XXXX. XXXX XXXX XXXX lost both checks. I contacted them via email on XX/XX/XXXX and forwarded copies of my bank statements showing the cashed checks. XXXX XXXX XXXX  reported delinquency notices on my credit report causing my score to lower approximately 70 points. On XX/XX/XXXX, I spoke with Supervisor, XXXX ( Employee XXXX ). I informed him that XXXX sent me the cancelled checks cashed by XXXX and asked to settle the account. XXXX informed me that XXXX XXXX has no process to settle accounts. I want to be able to settle the account due to the unfair damage XXXX XXXX XXXX caused me on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have contacted Trans Union on several occasion to have unauthorized inquiries removed from my Credit Report but they have refused to remove it. I have also filed an Identity Theft Complaint and have a Security Freeze on my Credit Report but Trans Union is still allowing my report to be accessed. 

I need these Inquiries removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Also Remove XXXX XXXX XXXX and XXXX XXXX XXXX Please Remove XXXX XXXX XXXX Please Remove XXXX XXXX XXXX XXXX as these are as a result of identity Theft. I have attached a copy of the report for your record

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 2018-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was denied opening a bank account due Bank of America reporting a negative information on XXXX XXXX XXXX XXXX. This is harming my ability to obtain a bank 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 2019-09-11
Company: Kimball, Tirey & St. John LLP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Does the Consumer Finance Protection Bureau work for consumers anymore? Or since Donald Trump, are you just a bulletin board posted in a vacant warehouse where complaints are pinned up and left there? 

A woman signed an apartment lease in my name in California ... it was FRAUD. A law firm is collecting on that fraud. I have provided 3 police reports and my id to this firm to investigate the fraud. I have demanded ( on 5 occasions ) that they provide a copy of the signed lease and the identification that the leasing company got from this crook. 

The law firm kept kicking back the identification and then the police reports asking for a police report on that specific incident of fraud ( which is not required. All I am required to file is a police report for the id theft ). When I got them ID that they would accept, they then said : " We are closing the fraud investigation because the apartment complex has identified you '' ... BUT ONCE AGAIN HAS PROVIDED NOTHING TO SHOW HOW. 

Is this how it works in Trump 's authoritarian state now? The poor innocent consumer up against the rich company and it's attorneys ... .the law firm refusing to share information and doing THEIR OWN INVESTIGATION EVEN THOUGH THEY ARE ALSO THE COLLECTION AGENCY ON THE DEBT? 

Is there NOBODY to stand for the consumer anymore?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received in the mail unsolicited materials/advertisement from Lowe 's about a special sale and the opportunity for new account holders ( of Lowe 's Card ) to receive special discounts. I don't need a new credit card, have limits above XXXX on EACH of my cards and could easily pay cash. My husband and I were in the market for a new washer and drier, so I thought we would look at what they had to offer. 

I should tell you from the onset that I have a XXXX credit rating and a 40 year credit history. 
I am a XXXX and XXXX University and make a very solid XXXX figure salary. 

When I finally received my card, it took a bit, as like many people I have a fraud alert on my credit so no one can access my credit. I did forget about this, so I had to work with credit agencies. 

The cost of the washer and drier is about XXXX. The card, issued by Synchrony Bank, was for a credit limit of XXXX. 
As I indicated above, I am not some recent college grad. There is NO reason why the bank would do this. Who doesn't want to do business with me. 
This is a discrimination issue ... loud and clear. Anyone at the bank could have look at my credit history. This is a sham!! 

I appreciate your help in this matter 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 explanation
Consumer complaint received 2019-09-11
Company: SYNCHRONY FINANCIAL
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 information incorrect

Complaint:
I have an account with Synchrony Bank. Balance has been paid in full in fact I am owed money. On XXXX  and XXXX it is reporting properly but not XXXX. I contacted them regarding this matter and I'm having a serious issue. I need them to make and update immediately as this has been paid.

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 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have requested that these accounts be removed due to both fraud and failure to prove the debt as being mine. We filed and submitted documents for identity theft and submitted to them on XX/XX/XXXX The Credit Bureaus have failed to respond with the signatures as required by Federal Law and must delete the accounts 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 2019-09-11
Company: Santander Consumer USA Holdings Inc.
State: OH
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:
Hard Credit Inquiry on XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company damaged my credit by lying. Forced me to set up a payment plan for XXXX for a XXXX debt. They've been paid XXXX as of XX/XX/2019 with 2 payments remaining, one for XXXX and one for XXXX. I've received a letter stating that this collection would not be placed on any credit reports and again they lied. This company is deceitful and corrupt and should be investigated to the fullest. I've contacted my state 's attorney general office as well as a personal attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
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:
I attempted to make a purchase of {$2500.00} on XXXX XX/XX/2020 with my credit card. The company declined the charge, twice. I called the company and had to sit on hold for 20 minutes before getting to talk to a lady with an accent so thick she was nearly impossible to understand, forcing my having to ask her to repeat what she'd said over and over. When I asked why they'd declined the charge, she kept repeating that the attempted charge had " triggered their fraud protection program '' and refused to provide any other information. She would not say why the charge was declined nor whether the same thing would happen again another time. She also repeatedly said that the charge was now approved, even after I told her several times that I'd successfully made the purchase with another credit card company 's card, which accepted the charge on the first try, so it didn't matter whether Capital One approved it now. 

The company provides no means to contact them by email. The only options for contact are calling and sitting on hold for an extended period, only to talk to someone incomprehensible who can't understand you, either, or by US Mail.

Company response to consumer: Closed with explanation