BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: FL
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:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

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 2022-09-02
Company: Credit Karma, LLC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Pre-approved for cards not pre-approved for. Had me signing up for cards just to be declined and hits and points lost on my credit report based on information from Credit Karma they provided which was false just to get me to sign up very misleading and cost me in the credit world.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am very displeased and disappointed that my information has been in a few breaches which have allowed fraudulent accounts to populate on my consumer report. I was trying to buy a home and I discovered all these accounts. This is jeopardizing and violating my privacy and my consumer rights. Per 15 USC 1681 law, you all are in violation of this statute. I take my livelihood seriously and I am trying to better myself and my family 's life. This is not fair and I am demanding that credit reporting agencies to remove all fraudulent accounts 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 non-monetary relief
Consumer complaint received 2022-09-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. As this account they failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TD BANK US HOLDING COMPANY
State: MS
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:
td auto finance has violated my rights. TD auto finance has lied to myself and the cfpb about receiving a credit application from XXXX XXXX in XXXX XXXX XXXX I now have evidence from the dealership in question and other banks stating that they can not provide a copy of the credit application. now I have evidence of td auto finance in letterhead lying. if the cfpb allows this company to lie again, I will go the attorney generals office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16
Company: WESTERN UNION COMPANY, THE
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage early on XX/XX/XXXX. I was enrolled in the Equity Accelerator program XXXX XXXX has set up with XXXX XXXX  XXXX XXXX. XXXX XXXX stated in correspondence dated XX/XX/XXXX that I would receive a refund for a mortgage payment XXXX had already collected on my behalf and not yet submitted to XXXX XXXX, within 10 business days. I did not receive the refund promised and have been told on repeated inquiries that they are experiencing system problems and that I would receive payment in 2 days. Today they promised my refund by XX/XX/XXXX to be refunded electronically to my bank account. Quite frankly I don't belief this magic 2 day promise will result in the refund they owe me ( {$1300.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The credit card company calls me repeatedly. Back to back sometimes 7 times a day. They call before XXXX and after XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am disputing the foreclosure date or XX/XX/2019 by Select Portfolio Servcing. 
I have asked for specfic information on this loan from them multiple times and have not received the information that I need to make an informed decision on what I need to do with my property and my situation. 
There are 2 open disputes on this loan number XXXX disputing the Trust that my loan is a part of. I have spoken with the ombudsmen department multiple times about extending the foreclosure date and as of today they refuse to do so. I even had one representative from the Ombudsman department tell me it would be illegal for them to foreclose on the property with an open dispute on it. Yet they still seem to be intent on doing so. 
I have tried multiple times to get a clear answer from them on my situation and they openly tell me they know nothing about the XXXX XXXX XXXXXXXX XXXX XXXX other than who owns it. I need more information on that to help me with my situation and to give me piece of mind that my money is going where it's supposed to. 
Again I demand they give me the information I need and that this foreclosure date set for XX/XX/2019, is postponed based on the fact that there is information, that they as the collecting party should have yet they are now giving me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. This account resulted due to identity theft. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this account 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 2022-09-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
In reference to CFPB Complaint XXXX - Equifax is still reporting the accounts however in the ( complaint XXXX ) response they claimed where not reporting this inaccurate reporting. SEE ATTACHED STATEMENT CFPB - EQUIFAX LETTER XX/XX/2022 ; SEE ATTACHED EQUIFAX CREDIT REPORT AS PROOF OF THE FACTS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, They were some unauthorized transactions on my account which I called to inform Chase, some of these transactions where still pending when I called XX/XX/XXXX - {$10000.00} USPS XX/XX/XXXX - {$650.00} USPS XX/XX/XXXX - {$10000.00} USPS XX/XX/XXXX - {$10000.00} USPS XX/XX/XXXX - {$740.00} XXXX XXXX XXXX XX/XX/XXXX - {$20.00} XXXX XXXX XX/XX/XXXX - {$790.00} XXXX XXXX # XXXX XX/XX/XXXX - {$30.00} XXXXXX/XX/XXXX - {$900.00} XXXX XXXX # XXXX XX/XX/XXXX - {$490.00} XXXX XXXX # XXXX XX/XX/XXXX - {$410.00} XXXX XXXX # XXXX Chase told me they were going to investigate the case and refunded this transactions and not the remaining transactions. 

XX/XX/XXXX - {$790.00} XXXX XXXX # XXXX XX/XX/XXXX - {$900.00} XXXX XXXX # XXXX XX/XX/XXXX - {$490.00} XXXX XXXX # XXXX XX/XX/XXXX - {$410.00} XXXX XXXX # XXXX I was told the reason that they werent refunding the other transactions was that the fraudster/scammer used my chip and got my pin correctly while I still had my card when I discovered the transactions. I asked the claims department to reopen my case as the investigation conclusion was incorrect but they refused which I asked them to connect me with the Executive Office so the case can be reopened as they didnt want to provide my funds. I spoke a lady from the executive office named XXXX and she guaranteed the case would be reopened and would try to make sure I get my funds back into my account ASAP while stating she would provide regular update as she get more information from their investigation. Ive gotten two updates but just stating the same reason the claim department said and still said the case is being investigated. 
All of the sudden, the reversal for one of the unauthorized transaction was being reversed leaving my account in the negative/overdrawn. 

XX/XX/XXXX - {$790.00} XXXX XXXX # XXXX I was also told the same reason as the first claim specialist about my chip been used and the scammer/fraudsters using my pin correctly which seems odd to me because thats not what XXXX told me and also because some of the transactions are been refunded and seems like mostly the USPS transaction doesnt want to be refunded. They are also transactions from XXXX, XXXX, XXXX & XXXX XXXX that needs to be refunded or handed correctly. I deserve an explanation to know how Chase could let this happen, and deserve some compensation for Chase letting my account to be overdrawn and not letting me access my funds when I needed it. Also if I keep banking with Chase, how am I sure this situation would not happen again, as they need to put a procedure in place to help prevent future situations like this and better protect their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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/2022 I personally sent a letter to Transunion letting them know that there were a number inquiries on my credit report that I did not authorize and would like to be removed immediately. It is now XX/XX/2022 and I have yet to hear from Transunion.

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 2018-02-17
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been on a payment arrangement with Midland Credit to resolve a {$730.00} balance. We agreed that I would pay {$180.00} until the balance is paid. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, my payment of {$180.00} was made. Midland did not charge me in XX/XX/XXXX, even though I was set up for automatic payments, and now they sent my account to collections for the full {$730.00} even though only {$180.00} is due on my account and my payments have been made. Midland wrongfully reported me to collections since I am on a payment arrangement and they failed to take payment for XX/XX/XXXX. I called Midland today, XX/XX/XXXX at XXXX PST and spoke to a woman named XXXX and she said she could not help me because the account representatives assigned to my account do not work on weekends. This needs to be resolved ASAP by removing my account from collections and removing this false collection account from my credit report. I have attached proof of payments for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has called me multiple times a day for 3+ weeks  - they leave a voicemail that they are a debt collector and I need to call them back. They leave no details about my debt, nor have they provided a validation notice. I do not have, nor have I ever had debt that needs to be collected. I verified this on my credit report. 

I never answer and I never call back because I know that encourages scammers knowing that I am responsive. I do n't know how to stop the calls and they are causing me significant stress. 

Their number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
RECENTLY CHECKED MY CREDIT, NOTICED UNUSUAL HARD INQUIRES

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 2022-09-02
Company: EQUIFAX, 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 719XXXX 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 XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I need to dispute 3 charges made with my debit card ending in XXXX, because the seller never sent the merchandise and also never answer the pone callas and replied the several emails I sent to them. 

Transaction 1 : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX, must be delivered on or before than XX/XX/XXXX Transaction 2 : XX/XX/XXXX, XXXX. It was an XXXX  XXXX XXXX XXXX, must be delivered on or before than XX/XX/XXXX Transaction 3 : XX/XX/XXXX, XXXX it was an XXXX XXXX, must be delivered on or before than XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against Capital One Bank, for intentionally adding false status date information to my credit files, thereby trying to further ruin my credit rating by re-aging a debt. 

I have attached a copy of my credit, showing what Capital One is listing on my credit files. They are claiming that I had a credit card account that they charged off, and closed in XXXX of XXXX. 

The balance, and date information, being provided in the timeline is inaccurate as well, I have had no dealings with Capital One Bank since in XXXX. 

Capital One wants this account to look as though it is real recent. I dont consider Capital One Bank to be reputable, and I want them to cease and desist from contacting me. 

And if they have passed this false information off to any other company, they need to get that dealt with as well, its unfair to have them and another agency dinging my credit files for the same inaccurate information. 

I want the CFPB fully involved in my complaint, and any communication, Capital One can contact the CFPB, and the CFPB, can contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I received a notification from my bank regarding the deposit of the stimulus check and unemployment benefits. On the day, I called Chase to request 2 overdraft fees to be waived due to financial hardship caused by the pandemic. I was awarded the request and advised by the female representative that I could call to request assistance as long as it was covid related. Once I verify my bank account on the app, I noticed that there was another deposit made by chase that is labeled " Govt. Stimulus Chase 30 day Overdraft Assistance ''. I thought, " wow, is awesome that chase decided to help their clients during these times ''. I proceeded to see how much I had available in order to know how I would be distributing the funds. I had rent, phone, utilities, car, credit cards past due. On XX/XX/XXXX, Chase sends a secure message to my account indicating that the funds deposited as " assistance '' had to be paid back within 30 days. By the time I read the message, 2 weeks had passed as I was dealing with my financial crisis as well as my health. On the XXXX, chase sends another message to the account indicating that on XX/XX/XXXX, the funds given would be deducted from the account. I responded to their message today XX/XX/XXXX, but I would receive a response within 2-3 business days. I decided to call once I sent the message. The representative who assisted indicated that since they had notified that would have given people time to call and return the money. Right now all chase is offering to do is charge the account on the XXXX of XXXX and not charge any overdraft fees for 3 days to give time for the funds to be placed in the account. At the moment, I am still waiting for unemployment to pay out for 4 weeks. I do not know when they will be deposited since the department of unemployment indicated they would pay during the last week of XXXX but XXXX is only 3 days away. Another issue this brings is the dubious and shady actions of chase Bank to place funds in an account and label it as some form of assistance being provided to then be informed 8 days later that it was actually a loan placed by the bank without consulting the consumer. I am calling it a loan because their wording was misleading and incorrect.

Company response to consumer: Closed with explanation