BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received in the mail a letter where I've been told to show up for a court hearing about a debt that I knew I had, and have already set up payments with another company called : XXXX. This court docket does not tell me anything except the company they are representing and how much money I supposedly owe, which I can't even verify this amount as correct. Then I tried to call them and they wanted my credit card number and when i said XXXX dollars over the phone on my credit card was too much and they said okay, how about XXXX dollars and then XXXX dollars a month. I still don't know officially who I am talking to. He hung up on me. Then I tried to call Crown management and she gave me the same number to call that I had just talked to. Supposedly XXXXXXXX XXXX  XXXX, XXXX I looked up the XXXX name online, she apparently does exist. But this is very creepy and I don't know if it is legate and why is this all I received was a letter taking me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: PENTAGON FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert on my XXXX and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by XXXX XXXX on XX/XX/2018 and Pentagon FCU. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with XXXX XXXX. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security and Debit Cards. Please remove this hard Inquiry from XXXX XXXX and Pentagon FCU.

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 2022-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I applied for an XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/2022 with account number ending in XXXX  assigned from Bank of America. I received an email on XX/XX/2022 to welcome me as a new cardholder. I received a text message on XX/XX/2022 stating that my Bank of America XXXX XXXX was approved and that the welcome package and card ( XXXX ) would arrive within 14 days. On XX/XX/2022, I received an email stating that my credit card ending in XXXX was mailed on XX/XX/2022 and was on the way. I received the packet as stated and activated the card. At this point all is well. 

On XX/XX/2022, I received an email stating that my credit card application for an XXXX XXXX XXXX XXXX from Bank of America was approved and the credit card would arrive within 7-10 business days. I DID NOT apply for this card. On XX/XX/2022, I received an email stating that my credit card had shipped and would arrive in 7-10 business days. I received the welcome packet and card on XX/XX/2022. I contacted Bank of America to cancel the XXXX  XXXX XXXX card on XX/XX/2022. On this same day, I received an email stating that it was time to activate the card. The Bank of America representative XXXX XXXX XXXX stated that this card had been declined for several attempted transactions. 

On XX/XX/2022, I received an email stating that XXXX had received a request for a credit card. Same day, I received an approval email stating that a welcome kit would arrive in the mail in 3 to 5 business days. I DID NOT apply for this card. On XX/XX/2022, I received an email stating that I had enrolled a card ending in XXXX online with paperless enrollment confirmation. AT THIS TIME, I HAD NOT RECEIVED THE CARD AND DIDN'T KNOW THE ACCOUNT NUMBER. I was out of town with a hold on my mail until XX/XX/2022. While out of town, I received an email on XX/XX/2022 stating that my XXXXXXXX XXXX XXXXXXXX benefits had been upgraded. I had not requested a XXXXXXXX XXXX  XXXX account or credit card. I received an email on XX/XX/2022 welcoming me a as a XXXXXXXX XXXX XXXXXXXX cardholder. I received TWO identical XXXX XXXX XXXXXXXX welcome letters upon my return. I called XXXX and cancelled this credit card on XX/XX/2022. 

On XX/XX/2022, I received an email notification that my request for an XXXX XXXX XXXX was not approved and a letter would be arriving with more details. ( As noted above, I already have this card which is where it seems the trouble started ).

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 2019-09-11
Company: EQUIFAX, 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:
last reported XX/XX/2019 Balance {$360.00} Mailed and fax disputing this account.

Called the hospital and also disputing this account to them, no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019 I sent a Certified check to paypal credit to satisfy the balance on the account, Paypal received and never applied it on the account they keep posting the account as past due. Around XX/XX/XXXX or XXXX I received a letter dated XX/XX/2019 from Paypal Acknowledging reception of the check and they kept as it was a gift. All I want is for them to apply the check or I will fill a Lien against them as I stated it on the UCC-3 that was sent with the check. See Attachements

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 2018-07-23
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I'm currently in Income-Driven Repayment under the PAYE program with XXXX  and the XXXX XXXX XXXXXXXX. I've been working for a 501 ( c ) ( 3 ) since XXXX and have verified my employer as qualifying for Public Service Loan Forgiveness ( PSLF ). On XX/XX/XXXX I requested a manual recount of qualifying payments toward PSLF as the number they currently have is inaccurate. Multiple attempts have been made to get updates on the status of this request without any response other than, " you'll have to keep waiting ''. It's been over a year now and I've lost any confidence that XXXX will be able to rectify this situation. I'd appreciate any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX Chase Bank claims that I was in XXXX XXXX California and that I went to a merchant who they're saying is named XXXX XXXX  and I used my chip in my debit card to spend {$68.00}. Now they claim that they're investigation shows that the chip was used so that's enough for them. However there are no other charges made in XXXX XXXX California there are no tickets that I purchased that took me to XXXX XXXX California there are no hotels no restaurants no XXXX nothing that would say that I was in XXXX XXXX California at the time of this purchase. They are also claiming that even though my chip debit card was used for some reason it took 10 days to post to my account which has never happened before and does not happen with my Chase debit card. I have been lied to I have been given the runaround I've been told incorrect information and I have been told that their decision is finite and that I have no recourse. I have recordings of all of my conversations with Chase and every representative that I spoke to and they still can not explain to me how a person who was consistently making purchases in XXXX XXXX XXXX XXXX XXXX somehow flew to XXXX XXXX to make one purchase for {$68.00} and nothing else. And they also refused to close my account when I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In accordance with the Fair Credit Reporting Act, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to request an investigation and correction of the accounts listed below, which I believe to be incomplete and inaccurate on my credit report. 

The account in question is with XXXX XXXX XXXX, with an account number of XXXX and a balance of {$7900.00}. I find it unacceptable that this account is labeled as " XXXX XXXX, '' yet a balance remains on the statement. I request an immediate explanation for this inconsistency, as the balance is undoubtedly incorrect. I demand that you rectify the issue by setting the balance to XXXX or removing the item from my credit report entirely.

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 2018-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert on my XXXX and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by Capital One on XX/XX/2018 and XXXX XXXX. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with Capital One. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security and Debit Cards. Please remove this hard Inquiry from Capital One and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Transunion is reporting fraudulent information regarding a dismissed chapter XXXX bankruptcy. The information has been disputed multiple times over the course of several years in attempts to have the information removed. Transunion states the information is verified by XXXX but refuses to acknowledge my several documents sent via mail to them showing proof from XXXX they are not reporting a bankruptcy. I've disputed this fraudulent bankruptcy so many times that Transunion has revoked my access to dispute via their online access. Each written submission I've submitted via mail has only received copies of my credit report in return. I sent information to Transunion via mail from the XXXX District Georgia Court that they do not provide access to their records regarding judgments and was ignored once again by Transunion. XXXX states they do not have any information regarding a chapter XXXX bankruptcy being reported by them in the VERIFIED department of their data base. XXXX did state they do have information in their UNVERIFIED department which from their statement, " Under the FCRA, can not be used for credit decisions, personal information, job placements etc. '' I was informed on XXXX behalf to ask how Transunion is obtaining their information? As well as if this information they've received is from their verified or unverified department? If Transunion is using unverified public records from XXXX they are violating this act and my right as a consumer. If they state to use verified then they're no such record of a bankruptcy. Attached is XXXX report stating they do not contain the information Transunion is stating they provided.

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 2019-01-17
Company: EQUIFAX, INC.
State: CT
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:
I received an alert yesterday ( XX/XX/2019 ) of a hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX from Equifax. I have not been an XXXX XXXX XXXX customer for years now so I inquired. There were no unpaid charges to my old account. However yesterday my credit was ran by XXXX XXXX XXXX an someone that had my SSN, DOB and address in Connecticut was allowed to open an XXXX XXXX XXXX account with " three lines '' in XXXX, Puerto Rico according to XXXX XXXX XXXX. They supposedly froze the account but were suppose to email me confirmation of all of this and after 17 separate times in the last 48 hours of me trying to contact the XXXX XXXX XXXX fraud department ( XXXX XXXX ) I continue to get hung up on and still have yet to receive confirmation that my identity is once again secure or that any action has been taken against the individuals who have stolen it and I have no idea how far this is going to effect me. I filed a consumer protection alert with XXXX and supposedly this will be forwarded to the other credit bureaus but I have yet to receive any confirmation from them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with Quicken Loans on XX/XX/2018. 
They sent me the initial disclosures, a day outside of the mandatory 3 day window. They had changed the loan amount from XXXX to around XXXX as well as the interest rate, of course it went from XXXX to XXXX. 
I've been asking for weeks to have it changed back or for them to explain themselves without any answers. Instead they send me emails, call me and try to pressure me into proceeding without ever addressing the concerns. Then today, almost 3 months later I get an email and the loan officer (  2nd loan officer after I requested a change ) told me that once I'm approved for a loan he can talk rates and fees. Are you serious? You want me to submit all of my documents, pay for an appraisal and then once you've approved my loan, you'll tell me how much its going to cost me? This is the definition of unethical, and clearly in violation of TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
All XXXX in credit report has been legally discharged as paid infull for legally cognizable reason. Wherefore, should be mark as paid infull/discharged on 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 2017-09-24
Company: BARCLAYS BANK DELAWARE
State: TX
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:
I 've attached a letter written with all of the details regarding my dispute, etc., and pages of documentation supporting my dispute with Barclays Bank. 

Barclays never sent me timely information regarding the dispute, nor did they answer my last letter dated, XXXX XXXX, 2017 that pretty much sums up the transaction and details of the ongoing dispute. 

I removed a few pages within the documents I sent. They are page 4 of 18 and 11 of 18 as those pages were copies of my TX drivers license. 

PLEASE MAKE SURE YOU GO THROUGH THE DOCUMENT AS WELL AND REDACT ANY OF MY PERSONAL INFORMATION WITH THE EXCEPTION OF MY NAME, CITY AND STATE. 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 monetary relief
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My issues were not addressed. I asked the credit bureaus to verify all items on my report and they did. They stated that everything was accurate without providing any proof. I provided al the accounts and highlighted all the inaccuracies. Under the FCRA Bureaus are required to have a copy of the original creditors documentation on file to verify that the information they are reporting is actually mine, and it also has to be correct as well as accurate. When asked to verify bureaus are supposed to provide original copy 's with my signature as verification. Transunion did not provide this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: Riverwalk Financial Corporation
State: SC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX debt showed up on my credit report called the company asking what it was they told me they bought the debt from my old college which I wasnt even due to pay yet. After that they called me again telling me to pay the full amount or my credit would be effected. They called numerous times until I changed my number once in XXXX and then I started receiving the automated phone calls at the end of XXXX XXXX Ive called them and asked them to stop I blocked their number and now they are calling from numerous phone numbers constantly trying to say they are receivable debt solutions and all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Eastern Revenue, Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
XXXX will not remove this illegal account off of my credit report. I have tried disputing sever times and now it doesnt even let me dispute it. I want this illegal account removed from my credit report immediately. 

15 US 6802, 18 USC 899, 15 USC 1605 15 USC 1692 6, HRJ 192 73 C, 18 USC 894 15 USC 1681B ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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:
XXXX XXXX account has been paid in full as agreed. Item should be removed.

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