BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-06
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent off a letter on XX/XX/2020 to this company, also to the original creditor ( XXXX XXXX  XXXX XXXX ), who has since removed the negative markings from my report, notifying that the account does not belong to me, that I am a victim of identity theft. This company ( Trident Asset Management ) has ignored my request to have this fraudulent account removed from my report and continue to report this inaccurate information. If the original creditor removed it, why is the debt collector still trying to collect on an account that has been confirmed to be the result of identity theft? This is a violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
To begin with, this is not the first time I have been attempting to remove the incorrect personal information on my credit reports. My first dispute towards removing the erroneous information was on : XX/XX/2019. Nothing was ever done, I even sent it notarized letters ( twice ) to all agencies : XXXX, XXXX, & Transunion in order to correct the inconsistencies on my report. My name is XXXX XXXX XXXX XXXX XXXX, That is the way it should reflect on my credit reports. The way I see it reflecting is wrong such as : XXXX XXXX XXXX ( XXXX ) / XXXX XXXX XXXX ( XXXX ) / XXXX XXXX XXXX ( TRANSUNION ). I demand to know the reason why this information hasn't been updated or changed at all. According to the FCRA, if the information is not verifiable, accurate, nor complete it would have to be changed immediately. Please correct the information as soon as possible, thank you.

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 2019-04-29
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
To whom it may concern, I am very distressed having to write this letter but I see no other way to resolve this issue. On XX/XX/XXXX I decided to get a loan to pay off my credit cards. My Barclay card was to be paid off at XXXX dollars. The bank distributed the checks to the various creditors ; I provide the statement payment stubs with the corresponding envelopes. Somehow the Barclay payment never made it were it was going. All payments were made with official bank checks. When I received my XX/XX/XXXX bill from Barclay I noticed the {$3100.00} payment was not there. I just figured it had not posted yet. When I got my XX/XX/XXXX bill and it still hadn't posted I contacted my bank they retrieved the canceled check and called Barclay. The bank has faxed and emailed the canceled check to Barclay several times. Barclay finally came up with the answer that the check had gone to the wrong bank, were some of their accounts had been sold too. The bank and I have been calling Barclay Almost every week to no avail. I was told in XX/XX/XXXX when the investigation started I would not be charged late fees or interest until the matter was solved. I on XX/XX/XXXX and XX/XX/XXXXBarclay called 5 to 6 times I returned their called assuming they were going to tell me the problem was solved, they informed me I owed them a XXXX past due payment .I informed them as far as I was concerned they were paid off I have a canceled check made out to Barclay . We have been dealing with this since XX/XX/XXXX every time you call them you get someone different to speak too, the last supervisor I spoke to tried to get a specialist to speak to me, he was told none were available. I really need help resolving this matter ; it is putting a strain on my mental health and my marriage Thank you for your time, 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 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt created by XXXX XXXX XXXX enclosed document will explan every thing on how debt was started. I will up load all party in vovled firsrt Transunion credit credit reporting agency 2. XXXX XXXX XXXX 3. the reporting other is to XXXX XXXX XXXX open XXXX XXXX,2017 Original Creditor. XXXX XXXX At XXXX debt amount XXXX I Dispute this debt and need it remove now. p.s. this is a complaint on all party listed.

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 2020-05-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Fifth Third Bank sent out refy application XXXX XXXX. Started refy application, filled out packet sent back XXXX. Was sent email asking for information thru XXXX. Had delays because of Virus lock down, XX/XX/2020 asked for additional information. XX/XX/XXXX, emailed again, asking for same info.XXXX XXXX, XXXX XXXX called saying he could not find emails. Resent next day saying please contact to let us know you received info. Have not heard back since. Left messages on his phone everyday since, no reply. Asked XXXX XXXX, original contact to mail us the Home appraisal which we payed for up front. No answer either. Found Manager of refy left 12 messages on his voice mail, no return call. No one has returned a call, this is my only way to go now. Thank You for time XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$2600.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2019-04-29
Company: EQUIFAX, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
Hello, I originally submitted a CFPB complaint on XX/XX/2019 relating to an account with XXXX XXXX XXXX, a company that I am not familiar with, after I reported this issue to an Equifax rep. during a phone conversation. Equifax initiated an investigation that same day ( XX/XX/2019 ) and the report was completed on XX/XX/2019. An updated credit report/results were mailed to me and the report states " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. '' Equifax did not provide any evidence of additional documents for me to review from them nor this company to confirm this statement. The only information that I have from XXXX is a detailed itemized medical bill for XXXX XXXX XXXX, a XXXX-year old male whom I have no relationship nor knowledge of. This bill is extremely detailed and contains his personal protected health information. 

I have already disputed erroneous account with XXXX, XXXX  and also Equifax however Equifax is the only agency that has not removed this account or truly investigated this company 's deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have tried in multiple occasions to close my account with PNC Bank. More than a year later I still receive statements, which means my account is open. 

I have called PNC and requested again and again to close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: SYNCHRONY FINANCIAL
State: OR
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:
Hello, In early XXXX I paid {$550.00} to place an online bet. After paying, I found that my bet couldnt be processed due to the size of the bet. I spoke with the merchant by phone and they agreed to a full refund and to close my account. 

The refund never occurred though they closed the account, and so from there I initiated a chargeback with synchrony financial. Following the charge back they sent a letter requesting additional information ( receipts, etc ). I called them and told a CS agent I didnt have any receipts, it was a phone conversation but that I received 0 goods and the charge was improper either due to no refund or no goods sold. They said okay and I was set to go. 

Two months after this, my chargeback was closed due to lack of feedback by paper. I called immediately, explained what happened and started a new chargeback. When I got the notice this time I sent paper in because apparently only paper is accepted and they dont train their CS agents on this tidbit. 

Four months into it ( today ) I get a letter saying the chargeback has been closed due to lack of paper evidence the charge was improper. I have no refund info by email because it was a phone conversation but my account was closed and I received 0 goods. I called their CS again and they said theyre going to reopen it under a different designation to hopefully settle this issue. 

Its been 4 months, most likely 6 months until this gets resolved. The CS agents are poorly trained and the department that handles these disputes hasnt called me once to discuss this. It seems all they do all day is decline chargebacks so they dont have to work? Its a fradulent charge if I havent gotten anything for my charge. CS agents state all I can do is reopen the dispute and try again. 

This situation is screwed up for me but also the bank. Ive spent at least {$50.00} of their payroll talking with CS agents, and probably {$3.00} or {$4.00} in postage. I would love to get this resolved by the time Im XXXX ( XXXX now ).

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 2018-03-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Care credit card is horrible. I paid off what I owed on the card on time and more than the minimum balance, and when I went to use the card they had automatically closed off my account. Did not send me a letter explaining why and when I called customer service they were beyond rude and hung up the phone on me. All they told me was that although I had a good history with them because I did not use they card constantly they closed it. They also told me to re apply but if i don't use the card regularly it will be closed again. Every time you apply for them it affects your credit report even if you are approved. Its a credit card that can only be used for medical visits, medication, glasses ... etc, it's not something you are going to use everyday or month.

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 2022-01-08
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
In 2015, I filed for chapter XXXX Bankruptcy. I listed all of my bills. The case was granted in XX/XX/2015. XXXX credit agency keeps the wrong data in my file.Experian is showing an account that was discharged in Bankruptcy. I have tried repeatedly to get the errors corrected but Im ignored by the agency and client.

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 2020-06-24
Company: TRUIST FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Sheffield Financial was a company that finances a trailer loan for a side business. It was for a business listed under an LLC in XXXX of 2019. Total amount of {$14000.00}. There was a charge off amount of {$7500.00}. Now past due of {$9300.00}. The company has been let go and out of business since XXXX of 2019. I have tried numerous times to get it disputed because the company is no longer is business. 

Please 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 explanation
Consumer complaint received 2017-11-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX has knowingly RE-AGED an account on my credit report by inaccurately changing the FCRA Compliance Date. The law clearly states under FCRA 623 ( a ) ( 5 ), that the DOFD MUST be based on information obtained by the ORIGINIAL CREDITOR. XXXX XXXX XXXX is NOT the original creditor. 

Attached are credit reports and a demand letter from XXXX XXXX, PA dated X/XX/2007 which clearly substantiate you are fraudulently furnishing false information and responses with inaccurate data in an effort to undermine the law and severely damage my credit. 

Your responses thus far have been unsatisfactory as valid proof of the FCRA Compliance Date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: CORELOGIC INC
State: WA
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:
1. " Credco '' has a hard pull on my credit report that I in no way authorized. I believe it is XXXX XXXX when they attempted to sell me an auto refinance loan that I told them I did NOT NEED nor want and they ran it anyway after I left the actual building. I believe they ran it to try to show me they could give me a better deal. Otherwise I have never heard of Credco, just that it is actually XXXX XXXX 2. XXXX XXXX keeps showing up as hard pulls to try to get me to sign up for one of their pre approved cards in the mail. This is unwanted and totally unsolicited. I throw these in the trash.

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 2018-03-20
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was with XXXX for 2 years. Contract if any is expired already!!! I cancelled over the phone repeatedly 3 months ago, They have some stupid incompetent desk clerks phone answers. Took over 10 minutes before they could comprehend the simple meaning CANCEL my account, PLUS, they were cryptic about there version a FREE 3rd line. HOW would I continue to have a phony ghostline still open when I told this inapt phone answerer to cancel my account. That simple!!! NOW 3 months later they enrage and harass me with some dishonest collection agency sending me there obfuscation bill for XXXX, Where did this phony amount come from?! WHY was I never informed they were trying to cheat and defraud me because I cancelled. There miserable reputation for idiotic customer service is still true today!! Lousy reputation for sloppy incompetent customer service!!! I already paid my 2 lines when I cancelled!!! I have no clue where they self created this fraudulent debt from! Waste of time at there mismanaged stores, obviously set up that way to be intentionally futile and opprobriously malignant to get them to fix there own sloppy insulting blunders

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 2018-03-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I requested large print in all correspondences, Chase has refused to provide anything in large print and instead sent things in braile. 
Each time I try to request large print I get hung up on. 
I have been making this request for several months since I lost online access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Experian Information Solutions Inc.
State: MO
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: Public record information inaccurate

Complaint:
Went online to lift a security freeze. Online said I my social security and date of birth don't align. I called customer service and went into a automated response loop which could not resolve the problem. Finally got someone to answer my call by going through another department. Although the computer doesn't recognize my account I'm told I have a PIN number which I obviously don't have because they don't recognize my account. When I asked for verification through security questions they told me they don't have any security questions for my account. 

I have been on the phone with my 6th agent after numerous transfers by people who said they could not address my issue. One disconnection and no way to call the person I was speaking with back. All in all over an hour and a half and still nothing is resolved. 

This whole thing seems to be a cluster on their end and I am trying to get a loan and have been told there is a freeze on my information. Beyond frustrating with no one being able to address my problem. Don't really know where to go with resolving this situation.

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 2020-06-24
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:
I have disputed several accounts on my personal credit report with XXXX, XXXX, and TransUnion and yet TransUnion, XXXX, and XXXX  are falsely reporting incorrect information on my credit report! I have no real validation of any of the listed accounts below. There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect thats being accepted by TransUnion, XXXX, and 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 2017-11-27
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX XXXX XXXX quoted me a payoff amount of {$26000.00} and said it was good for 10 days. I paid them {$27000.00} which leaves them owing me a balance of {$1400.00} but have not received at this point. I have continually tried to work with them on processing a refund that is due to me but keep getting the run around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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