BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX**** account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-05-30
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 have submitted a request to transunion XXXX  and XXXX pursuant to section 605B of the FCRA and XXXX   is the only one who blocked the information. I sent certified mail return receipt requested and on XX/XX/19 XXXX   received the request with the FTC affidavit my police report and letter identifying what needs to be blocked and they refuse to block it in the 4 day mandated period and told me today ( XX/XX/19 ) that their internal operating procedures required them to investigate which takes 30 days. I tried to explain to 4 different supervisor that the law requires that the information be blocked within 4 days and I was met with resistance and after 4 hours of talking on the phone going up the chain of command I was still told that I have to wait 30 days for the 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 non-monetary relief
Consumer complaint received 2020-09-01
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, I attempted to open a Citi Accelerate Savings account online with my spouse. My spouse 's credit report was locked and I was about to be activated on Federal Title 10 Orders. In order to save time, I called the new accounts line at Citi and asked them my options. They informed me I could apply the same day for a single-owner account and add her to the account 30-days later. Following these instructions, I successfully opened a Citi Accelerate Savings account and made an initial deposit of {$11000.00} on XXXX XXXX, 2020. 

Today, XXXX XX/XX/2020, I attempted to login to my online banking and was greeted with an error message asking for my savings account number, ATM card number, and PIN number as something had been 'mismatched. ' After over 3 hours on the phone, I was told my account had been closed, they can not tell me why, and to wait for mail correspondence in 10-business days. They also informed my that my {$11000.00} was inaccessible and would be up to 90-business days until I receive a check for the balance. Now, in the middle of a pandemic, my life savings are being held for up to a quarter and for no discernible reason. It is important to note that the  only activity was the singular initial deposit.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have reached out to credit bureaus to find out who is furnishing bankruptcy information to all three credit bureaus and o was told it was ( XXXX XXXX ). I reached out to XXXX XXXX and I was told they have no record of a bankruptcy on my profile. I reached back to the credit bureaus to do another investigation and because their information is incorrect and the keep saying information is valid from XXXX XXXX. The credit bureaus are failing to do their job and investigate my 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 explanation
Consumer complaint received 2019-06-08
Company: Experian Information Solutions Inc.
State: NY
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:
This XXXX HELOC was listed and subsequently discharged in a joint Chapter XXXX filing in XXXX. According to the results of an Experian dispute dated XX/XX/XXXX, XXXX confirms that the reported debt is " accurate. ''

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 2019-02-28
Company: JPMORGAN CHASE & CO.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My dad and mom had an account credit card with Chase. He died in XX/XX/XXXX. My mom filed bankrupt in XX/XX/XXXX. Account # XXXX. Now the account is on my credit report showing as mine in XX/XX/XXXX as a charge off. Chase has already been guilty of this practice before of selling bad debt.My SSN somehow got tied to this account. Ive never had an account with these Chase people. Contacted Chase and given the run around. Sent them my dads death certificate and moms bankrupt papers with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was a with SYNCB/AMAZON PLCC customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last year, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2021-02-24
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: Account status incorrect

Complaint:
I paid my mortgage in full in XX/XX/XXXX and under XXXX the account still shows open with a {$260000.00} balance it also shows a payment in XX/XX/XXXX from when I opened a dispute through XXXX against XXXX  but I have not made a payment since the payoff in XX/XX/XXXX. The Trans Union report shows closed with an outstanding balance of {$260000.00}. The XXXX report shows closed with a {$0.00} balance. When I call XXXX XXXX, also operating as XXXX XXXX, they confirm that the account was paid in full in XX/XX/XXXX and they have closed the account. I have disputed this through the credit agency and I have also called them and tried to get this resolved to no avail.

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 2017-08-11
Company: CITIBANK, N.A.
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
To Whom It May Concern, Similar to the complaint I filed yesterday, Citibank has filed another interest charge for {$83.00}. That again was based on their faulty autopay system. I would n't be surprised if they have done that to other customers as well. This needs to be re-mediated 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 2017-08-06
Company: 21ST MORTGAGE CORP.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have repeatedly tried to speak with this company and this is the third complaint I have against this company. On XXXX XXXX, 2017 I paid {$260.00} and some cents, when I checked my credit report it is still showing I owe them {$2.00}, XXXX. Even though we are in an agreement for the payoff amount of {$510.00} to be made over two payments one which was paid on XXXX XXXX, 2017 and the other on XX/XX/XXXX for the balancing amount. When I asked about why is it still showing, he ( the staff attorney ) told me that is how they company work until I pay the full amount. Now it is showing that my account needs attention, which it does n't. I truly do n't understand how these people think it is okay to keep messing with my credit report, using the fact that my Escrow account have a lot to do with it. When I cancel my insurance that Escrow Account should be done. I do n't even understand what he is talking about and the fact that he keeps bringing up the Escrow account what does that have to do with anything. My home has always been tax exempt and it is recorded at the Parish Office where I live, so how are they paying taxes on a tax exempt home and where is the money that they supposedly paid for my taxes on my home. To my knowledge I am the one that put the money in my escrow account but according to him it is something I owe to them. this truly has be in a daze. The escrow account money should be returned to me and from what he is telling me it does n't. This has gotten totally out of hand, this company have toyed with me from the beginning and is still doing that including sending me late payments bill. Once I came in agreement with the payoff amount it should void everything else out and for this company it does n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Statewide Credit Services Corp.
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: Old information reappears or never goes away

Complaint:
Statewide Credit Service Collection Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( Paid in settlement. ) This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC Section 1681 et seq. that the above named company is reporting inaccurate credit information. 
Company above appears on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owed them : {$270.00} dollars on : XX/XX/XXXX. 

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above named company reports status as paid in settlement.

Above named company can not report two different reports and inaccurate remarks to credit bureaus ; 3. above named company reports two different inaccurate remarks on credit report : a ) that the dept was paid in settlement ; 4 ) that I still owe {$270.00} dollars. Above named company can not report two different inaccurate remarks to credit reported bureaus ; 5. the above named company was not the initial company who I allegedley did business with ; 6. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items. Initially the inaccurate information states that I did busienss with XXXX. And not Statewide Credit Service. 
6. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: CONTRACT CALLERS INC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My dispute is addressing the Contract Callers INC in the amount of {$3700.00}. This account was sent for collection by XXXX XXXX XXXX XXXX for an account in XXXX, Ohio. This debt was created without my consent by a deceased family member, either before I was the age of XXXX or without my consent due to the fact that I have never been the renter or owner of a property.

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 2017-12-20
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:
XXXXXXXX XXXX XXXX is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw XXXX. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but XXXX XXXX insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked XXXX if XXXX verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. XXXX violated my rights by opening an account without verifying my identety.

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 2019-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Not sure when or how my identity was compromised but after reviewing my credit report I see very well it has due to these unauthorized accounts inwhich I'm asking to be removed from my credit report. 

[ 1 ] XXXX XXXX {$1000.00} [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX XXXX {$16000.00}

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 2023-01-30
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Since XX/XX/23 I made a wire transfer for XXXX dollars since XX/XX/23 my funds got rejected by the bank where i did the transfer which was a international wire transfer so why PNC never gave the funds back if the bank never got the funds in the first place which i know for a fact the wire is returned to the client if funds get rejected and at least notify the client when the rejection was stated on XXXX XXXX and with reason its been over XXXX weeks never received the XXXX dollars back and just to add never been notified about this rejection and of top of that they are wasting time and resources for this XXXX dollar wire

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a wire transfer from a annuity which was terminated of $ XXXX.With a personal check it was deposit into my BOA checking to either pay off a student loan of 7 % compounded, or a Eloc with BOA at 5.6 % compounded on XX/XX/2019.Boa withdrew the money on XX/XX/2019, and then told me money will not be available until XX/XX/2019. 
I want BOA to pay me at least 5.6 % per day interest on that money until they it is available.

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 2023-01-08
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have reviewed my report recently. There were names and addresses on it that are incorrect, spelling errors or just plain wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just received notice on XX/XX/2019 from American Express that they are dropping my credit limit, even though I have made payments on time to them because they looked on my FICO report, without my permission, and saw that my FICO score dropped because I missed one payment to another company. This reduction also reduces my FICO score. I can not get in touch with American Express because I just received the notice today XX/XX/2019. I think there are three issues. One, they used my FICO score without my permission and two they dropped my credit limit below the credit limit which I have had, and three they did it and it increases the rate on the credit card because I am over the limit now. American Express unlawfully peeked at my report, and dropping the credit limit from {$13000.00}, to {$8500.00} which decreases my credit score, and also increases the APR. I can not make payment with an increased APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Experian Information Solutions Inc.
State: NY
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 had a XXXX account I moved from one address to another address in my new address i never got service they billed me i spoke to them 3 times first 2 times they said that's their problem they will fix it I don't owe anything. Just to day they report to the credit report that I owe {$100.00} which is their fault now my credit report went down because of their fault

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 2023-06-24
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I deferred my payments for two years while I was finishing college and most likely been a victim of the predatory lending by navient. Can't get any answers and my amount owed has doubled. I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Conn's, 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: Account status incorrect

Complaint:
I opened an account with XXXX 's and my payments started sometime around XX/XX/2021. I paid approx {$58.00} every month and sometimes a month in advance of my next payment, yet they claim that I missed a payment by 30 days because I paid XX/XX/2021 in XX/XX/2021 and are showing that I was 30 days late in XX/XX/2021. 

I've attached a screenshot of my payment history and believe this is just a clerical error in their systems and they are probably not used to having a person pay 2x in a single month, but either way, I'd like the 30 days past due removed from my credit reports. 

XX/XX/2021 - showing 30 days late/past due on all credit reports. 

Payments made in XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XXXX ( XXXX )

Company response to consumer: Closed with explanation