BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
TransUnion fraudulent credit card charge : XXXX XXXX, 2020 I tried unsuccessfully to freeze my credit using their website. The website is convoluted and obviously geared to trick you into buying services you do not want. I subsequently phoned their helpline and the person I spoke with froze my credit. On receiving my credit card bill there was a {$21.00} charge by TransUnion. I never authorized this and do not know how they got my credit card number. I can only assume they already have it on file and feel it is their right to use it without my consent. Searching online, I see many other similar consumer complaints.

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 2018-04-08
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I took out a HELOC with Suntrust Mortgage in XX/XX/XXXX. After the Crash, I had to file a Ch XXXX BK in XX/XX/XXXX. Then I did a Loan Mod with my first XXXX XXXX in XX/XX/XXXX. I went back to Suntrust in XX/XX/XXXX to find out my Balance as I was going to give it to my Attorney to start the process of having that lien discharged,  voided or scrubbed. Whatever you call it. 
Suntrust told me back then that I owed them nothing as the loan balance was XXXX. 
They lacked total candor and hid a lot of things from me so I could not do what I had the legal right to do. 
Now I am selling my home and they want to take all my proceeds to line their greedy pockets and ruin my retirement. 
This is WRONG, DIRTY and UNSCRUPULOUS what they did to me. 

I NEED YOUR HELP PLEASE. 
PLEASE READ MY FULL COMPLAINT.

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 2018-04-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Hello, I filed a price protection claim and have yet to receive the attestation form. I have followed up 3 times and each time I get the same response that the form was sent and it now will be resent. The claim will be closed in 45 days if they do not receive this form from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Thaxton Investment Corporation
State: AL
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: MARINER FINANCE, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Hello, Today around XXXX I returned a call to Mariner Finance about my loan. I explained I am only working part time right now and asked for a forbearance or payment modification. XXXX informed me that I wasn't able to do any of those things, she would call next week to see if I can make the payment. She also informed me that I could take a loan out to cover the payment and that it would show on my credit report as being behind on my payments.

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 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX, XXXX ran my credit/processed an application for an auto lease that I didn't approve or authorize. I visited a car dealer in XX/XX/2018 to shop for auto leases. I did not allow for a lease application to be put through, as I did not select a vehicle or finalize any part of a lease transaction. XXXX XXXX XXXX ran an unauthorized application for an auto lease without my permission. The report should not have even been run, as my credit is frozen. I want all records of this credit application removed from my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
They allowed XXXX fraudulent transactions and are actively preventing me from completing my fraudulent claim, so they can keep my money. 

XXXX XXXXXX/XX/XXXX : called to report fraudulent transactions. I was told that I had to wait until the changes actually posted, and call back. 

XXXX XXXXXX/XX/XXXX : The transactions posted, but when I called, I couldn't get a live person on the phone. This content for XXXX weeks, where I called multiple times, and still couldn't get a live person, despite waiting more than XXXX minutes on hold for each call. 

XXXX XXXXXX/XX/XXXX : Finally got through to a live person, who had to transfer me to their Fraud Department. Waited on hold for another XXXX mins for a live person. I was told that they would initiate the fraud claim for the XXXX transactions ( which I received email confirmation that they did this ) and would be emailing me a form that I had to fill out and email back in XXXX  days. I never received the form. 

XXXX XXXXXX/XX/XXXX : called again in the afternoon regarding the form that they failed to email me. I was told that the department that generates the form was closed, and a XXXX message would be sent to the department. I became belligerent, because I only had XXXX days and their failure to send me the form would result in my claim being closed for inaction. 

Wednesday XX/XX/XXXX : Still have not received any form, and have been on hold for over XXXX minutes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-01
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Nobody at this company speaks English. I have sent them the documents that they requested 3 different times and still they claim not to have received them. This has been going on for almost a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently found out that there was unauthorized charges on my credit report that did not belong to me or belongs to someone with a similar name. I Approached XXXX  and XXXX  and told them that these did not belong to me. Through a bit of effort it was removed from these XXXX credit bureaus succesfully. Experian on the other hand has been extremely difficult to get ahold of online as well as on the telephone. Eventually after spending 20 + hours on the phone with Experian I filed disputes regarding collection from the agency " XXXX XXXX XXXX ''. No resolution has been made my experian for these fraudulent and unauthorized charges on my credit report. It has been extremely difficult to pursue this issue with experian as contact from them is minimal and they are not doing the correct research. 

Experian report # Report 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 explanation
Consumer complaint received 2020-07-24
Company: Bread Financial Holdings, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I got a loan for my XXXX procedure. I got the loan in XX/XX/XXXX. They never sent me any paperwork with loan id # or any statements. In XX/XX/XXXX I contacted them concerning the loan. This is when I found out they would not talk to me about the loan nor take payment because I did not have the loan number. I explained that the loan number was never given to me and I am not getting any statements. I asked for a Statement to be emailed to me. They informed me that they will NOT email a copy of a statement. I tried to pay them over the phone, again they said NO they will not accept money over the phone when I do not have the loan number. I will say that last month, when I called, the rules once again were different and they allowed me to make a payment over the phone, which I have proof of via my bank however, I was never sent a receipt for this transaction from Comenity Capitol Bank ( hoping it would contain my loan number! ) Then I find out that the credit given for the loan was XXXX, which was what I knew they were paying the XXXX, it was actually XXXX they paid and now are charging over limit fees as well as late fees. This was not the money requested from them! I'm absolutely stuck and can not get any information about this loan they have given me. They are without a doubt a predatory lending practice. When reading XXXX  complaints this is a repeated issue. How this company is being allowed to do this is beyond me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-01
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:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in onXX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2018-07-02
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/XXXX I called XXXX to dispute inquires that I did not authorize. They informed me that they DO NOT dispute any inquires, that signatures do not have to be on file nor do they house that information, and that all information is factual. They said they could not help me and I would have to wait the two years even if I did not authorize them. They also informed me because they are more than 6 months old, the companies DO NOT have to respond to requests. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX I also  spoke to Experian, and was informed the same information ... 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-03-31
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX Credit Card : I received credit card and utilized an estimate of {$300.00}. I was making my regular payments of {$29.00} per month. I paid the {$29.00} for approximately XXXX XXXX XXXX XXXX months. Unbeknown to me the payment was changed from {$29.00} to {$42.00} even though I continued to pay the {$29.00}. Once the payment changed to {$42.00} and my payment of {$29.00} was received I was billed a {$13.00} negative amount and the account was closed for late and less than what I owed. I never receive a request to pay {$42.00} instead of {$29.00}. However, a negative report was sent to the credit bureau and caused my score to drop XXXX points because the card was close. After the account closed and XXXX XXXX dropped it dropped another XXXX points. 

This has caused a negative effect on my credit. I want XXXX XXXX to correct the credit report and explain why my payment was increased without my knowledge. Especially since the payments was made in the correct amount for over months. Now I continue to get advertisements and I want that to cease and desist. XXXX XXXX even sent me a copy of the credit card that they closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: DriveTime
State: GA
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:
These inquiries are unauthorized and need to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX, I tried to continue making {$100.00} payment to XXXX since I still had 2 months left on my loan extension repayment. XXXX  told me they will not give me the last 2 months. 
Then in XX/XX/XXXX, I kept receiving many calls in a day from them. I had arrangement with them to pay {$280.00} every month for 3 month. They said I had to be on a plan to that they do NOT report it to my credit report for late payment as they begin reporting at 60day past due. 
Thus, I made a plan and I send them {$280.00} on the 6th of each month. 1st payment - XX/XX/XXXX ( paid ), 2nd payment - XX/XX/XXXX ( paid ). Now I'm due for the 3rd payment on XX/XX/XXXX for {$280.00}. 

I checked my reports reports today ( XXXX, XXXX, XXXX  ) and saw that XXXX  is illegally reporting that my account are delinquent and I am not paying- Report Date is listed as XX/XX/XXXX. 
How is this late when I have continued making payments before and afterwards? 

I called them multiple times today to get them to remove the negative and illegal report. They refused to take accountability for it and not interested in correcting the error ... I spoke to a " XXXX '' called XXXX with employer ID XXXX. She told me that her XXXX named XXXX XXXX will call me in 3 days to tell me the same thing. 

If the negative remarks are not completely deleted I will file a litigation against XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: BAM Management US Holdings Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/221 Binance.US has my money, I bought cryptos on their platform. Balance at the moment is {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 and to my surprise there were several accounts I was not familiar with. Please remove these accounts from my credit report : XXXX XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1800.00}

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 2018-02-26
Company: Westlake Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agency and the company. My rights have been violated. I sent in several disputes to have incorrect information deleted from my credit report. Westlake financial services has been reporting incorrect information on my report. I have asked them to provide proof the proof provided was incorrect and was not what was being reported on my credit report. I have asked XXXX to do and complete a thorough 8investigation and have not received any feedback or even an update on the dispute. Yet they have added this account back to my Credit Report without my knowledge. I do believe that under the FCRA this is illegal on both the CRA and the company. So again this is my final attempt to have this problem fixed before I seek legal action to have this completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, a new patient to our XXXX practice, XXXX XXXX, was seen for an XXXX XXXX, XXXX XXXX, and XXXX  which totaled {$1200.00}. The patient, XXXX XXXX, received the XXXX  on XX/XX/XXXX. He complained that the XXXX  thickness was too thick. We spoke with him regarding his high prescription ( XXXX ) and offered to send the XXXX back to the laboratory to remake the XXXX  and try to improve edge thickness. We spoke with Mr. XXXX on many occasions regarding the status of the order without incident. On XX/XX/XXXX, Mr. XXXX was dispensed the XXXX  via XXXX. XXXX with a pick up signature. Later, we discovered that previously on XX/XX/XXXX Mr. XXXX had already filed a chargeback with his credit card company stating he cancelled the order. Our signed policy strictly states the patient has 24 hours to cancel the order. We sent documents to the credit card company, JPMorgan Chase Bank, disputing the claim and referencing the XXXX XXXX, XXXX, and the pickup signature. The merchant services initial debit our account ( {$1200.00} ). A dispute letter was submitted. Merchant services credited the account. Later, we receive a second chargeback letter on XX/XX/XXXX. Merchant services debited the account again stating the customer cancelled the order. We have now filed legal action against the fraud. We are filing this complaint against JPMorgan Chase Bank for allowing their customer to not pay for goods and services provided. Mr. XXXX has stolen the XXXX and has not paid for professional services at his request. We have clearly submitted documents confirming actual events, however, JPMorgan Chase has acted in favor of their client 's claim without any supporting evidence or documentation. We believe JPMorgan Chase is culpable in this complaint due to negligence in not examining all documents supporting our claim or simply ignored it. And, unilaterally supported judgement of the chargeback without evidence to the contrary. JPMorgan Chase upper management should be alerted of this practice and provide additional training to the department which has poorly handled this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: MS
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 719XXXXXXXX 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX 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