BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX 2017 a unauthorized hard inquiry was performed on my credit report by XXXX XXXX XXXX in XXXX NJ. When I noticed this report I spoke with with Transunion about this and they said I would have to speak with the people involved to remove it. After numerous attempts I finally spoke with XXXX XXXX XXXX and was told they would " get back to me '' they never did/ Transunion provided this info to what I believe to be a scam or fraudulent company. I have made repeated attempts to get this removed and have since froze my transunion account because of this. Transunion is not will to do  anything to help me in this matter. I had no reason to apply for any type of credit at this time and it worrries me that my info is so readily doled out

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 2020-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
My credit card statement included a {$1500.00} bill for XXXX on XX/XX/XXXX. I didn't open the bill when it came because I hadn't used the card and knew I wouldn't have a balance. I returned from vacation and a hospital stay in XX/XX/XXXX, at which time I opened the bill to see charges that I didn't authorize. I contacted Bank of America. Bank of America said they would investigate. I was contacted a few weeks later by them informing me that the claim was denied because they said the purchase came from my device. I requested the IP address, and was told it would take a few weeks, but after not hearing from them, I contacted Bank of America again, and was informed that I would need a subpoena. I also requested information on the investigation but Bank of America refused to provide information. My credit card number was changed during the investigation as a result of attempted fraudulent activity. I contacted XXXX, who was initially unable to find the charges at all, but eventually was able to find the charges, and said it was on an email that does not belong to me. I did not authorize these charges. XXXX refused to give me the email that was connected to the account, but later stated that they have not received any money as a result of these charges. I have contacted Bank of America and XXXX to no avail. I filed a police report 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 monetary relief
Consumer complaint received 2019-04-03
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2019 - XXXX took funds from my bank account and transferred them to unknown account. 
XX/XX/XXXX - I contacted XXXX with the XXXX # and WEB ID and asked for some help. 
XX/XX/XXXX - XXXX requested a government picture ID. 
XX/XX/XXXX - I replied with the requested information and repeated request for help. 
XX/XX/XXXX XXXX is confused and claims they cant help me. 
XX/XX/XXXX I again ask for help with the issue. 
XX/XX/XXXX - XXXX thanks me for sending over the information, tells me they took off my phone to the account, and I should have no problem signing up. 
XX/XX/XXXX - XXXX addresses me as XXXX vs my name which is XXXX and asks me to ignore the previous email due to a computer problem on their side. 
XX/XX/XXXX I ask for more help including getting the fraud department involved. 
XX/XX/XXXX - XXXX feigns ignorance on what is going on and they assure me the computer is working well now, but well enough to help me. 
XX/XX/XXXX - I ask for more help and getting the fraud department involved. 
XX/XX/XXXX - XXXX calls me XXXX again, and a long explanation on how XXXX   is awesome and they don't make mistakes and that I should stop bothering them and go bother my bank. 
XX/XX/XXXX - I ask if XXXX even has a fraud department. 
XX/XX/XXXX I get response that XXXX is sorry about my name, and they don't have a fraud department to help me. 
XX/XX/XXXX I get a XXXX survey asking how they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with OneMain Financial for {$7000.00} dollars on XX/XX/2018 My statement dates were the XX/XX/XXXX of each month with a payment of {$270.00} due on or before the XX/XX/XXXX of each month. 

On XX/XX/2018 I received my first statement online and I made my first payment of {$270.00} online XX/XX/2018. The payment breaks down as follows Amount {$270.00}, Interest {$200.00}, Principal {$64.00}, Balance {$6900.00} On XX/XX/2018 I received my second statement and made online payment of {$270.00} on XX/XX/XXXX Amount {$270.00}, interest XXXX, Principal {$60.00}, Balance {$6800.00} On XX/XX/XXXX I received my third statement with a balance of {$6800.00}. On XX/XX/2018 I paid {$6800.00}. To my dismay when I checked my online account I show a Last Statement Balance of {$170.00}? My last statement was XX/XX/2018 and it did not show this? 

On their website it specifically states that this is an interest bearing loan with the following statement. 

The balance shown represents the principal balance upon which interest accrues. The balance does not include any past due charges, such as late charges, because interest does not accrue on those charges. Any payoff occurring after the statement date will include the balance, the loans cumulative past due charges, all fees added to the balance after the statement date, and all interest accrued on the balance after the statement date. 

I paid off four other creditors on the same date and this is the only company that added additional interest when I paid balance in full? What Am I missing other than they trying to rip me off?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent out a payment of {$1300.00} XX/XX/XXXX after I received letter from SunTrust mortgage company regarding escrow shortage of {$1300.00}, intend to keep my monthly mortgage payment same as XXXX. The additional payment sent has a memo of my loan number and purpose of the payment is for the escrow shortage. However, instead of applying the payment for escrow shortage, it applied the payment to principal. In additional, it left my monthly mortgage payment unapplied, and claim I am late for mortgage payment, which would cause additional fee and interest payment while having unapplied payment from my account. This is not the first time this has happened to my account. It seems SunTrust has a systemic issue to handle escrow payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX XXXX - XXXX is reporting on my credit for a debt I do not owe. I am unsure who XXXX XXXX is nor have I ever done business with them. This is not mine

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 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XX/XX/2018 an Inquiry was on my credit report, I called consumer portfolio services and they told me to call XXXX XXXX. I called XXXX XXXX and spoke with XXXX the finance manager and he told me that my son told them it was ok to run my credit and they did it, I told them they was not allowed to run my credit with out me being available, and he told me that as long as he told them it was ok, that can run it, this is unfair

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 2018-10-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I submitted two applications with Chase Bank for XXXX branded credit cards. ( One business, one personal ). 
I read the terms and conditions which included XXXX XXXX points for as a welcome bonus for each card. After submitting the applications I received an email stating that my applications had been received. Chase then changed the terms and conditions and claimed that I did not meet the new terms and conditions for the welcome bonus. They suggested I submit proof showing my application was submitted on XX/XX/XXXX which I did ( I sent the emails I recieved from Chase with time stamps ). Chase then claimed my application came in over 24 hours later and says they have no record, and can not pull up the emails in question. They have advised me that I can get the cards without the welcome bonus. 
This is bait and switch and an unfair business practice. 

XX/XX/XXXX Submitted application First week of XXXX - called customer service twice XX/XX/XXXX Submitted proof of application date and time. Was told I would be contacted within 7 business days XX/XX/XXXX No response so I submitted another message asking when I would be contacted. Recieved another message saying I would be contacted in 7 business days XXXX Received message to call customer service XXXX Talked with customer service. Call escalated. Was told I would receive a call back. 
XXXX Received call. No resolution so call was was escalated. Told I'd receive call in 24-48 hours XXXX missed call from Chase. Called back immediately. Supervisor could not talk. 
XXXX spoke with Chase. Said they'd look into it an respond in 24-48 hours. 
XX/XX/XXXX Final call from Chase. No resolution offered. Claims there is no way to look up emails that were sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I RECENTLY SEEN A COPY OF MY REPORT AND WAS IN DISBELIEF WHEN I SEEN THE COMPANY BELOW REPORTING LATE PAYMENTS. I HAVE NEVER HAD ANY LATE NOR MISSED PAYMENTS WITH THIS COMPANY. I DONT KNOW HOW THIS HAPPENED. 

CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX I WAS NEVER LATE IN THE MONTHS OFXX/XX/XXXX ANDXX/XX/XXXX. THIS HAS TO BE SOME MISTAKE ON THE COMPANY BEHALF. I HAVE ALWAYS MADE MY PAYMENTS ON TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: ERC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ERC ( Original Creditor : XXXX XXXX XXXX ) account # XXXX, item is not mine, contacted collectors, have not responded to dispute letters, or have not sent original documents to verify debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: EQUIFAX, INC.
State: MD
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:
Since my identity was stolen in XX/XX/XXXX, I have checked my credit often to stay on top of fraudulent activity. I kept noticing that I have repeated negative reporting from the same company ( XXXX XXXX ). Due to their illegal collection practices they removed one of the accounts from my credit report and ceased collecting on that account - but the other one, they are keeping there but have made no attempt to collect ( since I welcome the opportunity to dispute this in court ). They are doing this out of spit - since they were unable to collect on the other debt they bought. The last few disputes I have had -Equifax , has only accepted the minimal agreement from this predatory collection company that the debt is valid and refused to investigate further. Stating that that's all they have to do - ask the collection company and if they say the debt is valid, that's what they accept - regardless of the information I provided to the contrary. The account is listed by the original creditor as a charge off and as a collection with this company - causing two derogatory ( negative ) hits on my credit report. The last time I disputed this with Equifax was XX/XX/XXXX. I am doing it again because I am trying to clean up my credit to buy a home and this has to be resolved. A collection company should not have the ability to remain on your credit for 7 years without attempting to collect on the debt - the statute of limitations for collection on a debt in my State is 3 years. If they are not going to collect on this debt then it should not be on my credit to sit for an additional 4 years, along with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
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: Information belongs to someone else

Complaint:
The following accounts are being disputed due to the fact that they are unauthorized and unknown by me. Therefore, I'm requesting a Method of Verification from the credit reporting agencies., and/ or remove these unauthorized accounts immediately. 

1. US Dept EDU 2. XXXX XXXX 3. XXXX 4. 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 2019-04-03
Company: EQUIFAX, INC.
State: ID
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 writing in reference to a dispute I sent to Equifax Credit Bureau on XX/XX/2018 requesting to verify, validate, and provide evidence that they had the right to report the debt of {$1900.00} to XXXX. 

Equifax did not provide the verifiable proof as I requested within the 30 days. All they did was send me an update on XX/XX/2018 updating a small piece of information they already had to meet the 30-day requirement. I specificially requested evidence as I had a right to. I have yet to receive the proof that they had the right to report this debt. I am requesting your assistance in verifying that each credit bureau followed the process according to the FCRA. Based on the fact that the verifiable proof was not provided within the 30-day dispute period, I request the debt be deleted from my credit file as they did not meet the deadline to provide the information. 

Please see attached correspondence originally sent to the credit bureau, and their responses. 

Item : XXXX XXXX Original Creditor : XXXX Amount : {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-02
Company: OHara Holdings, LLP
State: PA
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 or about XXXX I noticed an unauthorized hard inquiry on my credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NJ. ( XXXX ) XXXX. After repeated phone calls to this place I finally got a hold of someone there and was told they have no idea why this was done. At this time I had no reason to apply fro any type of credit be it by a new card or a purchase/ Calls have still gone unanswered from this place. I spoke with XXXX and they said I can not get this removed even though they furnished the info to these people unauthorized

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I moved back into the home at XXXX XXXX XXXX XXXX, Tx due to my ex-wife abandoning the house and letting it go into foreclosure. She had taken sole custody of the home in our divorce in XXXX. Upon moving in, I paid all the leins and began working with XXXX XXXX to modify the mortgage into my name only. I completed all the necessary paperwork to include filing a Quit Claim Deed with XXXX County signed and notarized by myself and my ex-wife giving me the house. During this time, XXXX XXXX transfered my file back to Freedom Mortgage, who was the original loan company. Because of the transfer, I had to completely begin the modification process over, which I did and submitted all the paperwork to Freedom Mortgage. Freedom sent my mortgage paperwork with my name only and I signed and sent it back as instructed. Fast forward 3 1/2 years and I look into selling my home and I find out the modification was never completed and they do not even have copies of the paperwork I submitted to them. I find out my ex-wifes name is still on the house. This has caused huge problems for me and my family. I completed everything I was instructed to complete, twice and it is still not taken care of. Every since I moved into the house in XX/XX/XXXX, I have not missed a single payment by a single day. Now I find out that my credit have multiple 180+ delinquent payments listed from XXXX from Freedom mortgage, which has cause my credit rating to go down. I have attempted contact with Freedom Mortgage several times and I can not get anyone to even call me back. I plan on selling this home and building a new home but I cant until this is cleaned up.

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 2018-03-23
Company: EQUIFAX, 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:
I have recently credit my credit file. I have noticed several collections accounts on my file that is no accurate and should not be on my report. It also show a dismissal is a bankruptcy that should have not been there due to that it not mine. I have contacted the bureau of several attempts and have gotten no results. My next step will be to contact an attorney due to the history of these accounts hurting my credit. These accounts are stopping me from providing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I had ordered via online XXXX XXXX   service. The service was available through their online system. When the tech came to do the installation he had informed me that I was not able to receive this service and that all the ports were full. I had reached out to XXXX and was told that the service was in fact available and rescheduled for a new installation date. The 2nd tech came out and once again told me that I could not receive the service as all ports were full. I reached out to XXXX 's customer service yet again and she talked to the dispatch unit only to tell me what the tech had already told me in the first place. The service was cancelled as I was NOT able to obtain it. In XX/XX/XXXX I received a credit alert that a new collection was on my credit report from EOS CCA. After doing research and filing a complaint through XXXX it showed XXXX being the original creditor for a debt of {$35.00} for the service that was not installed and cancelled the day the tech came out. I filed a complaint against XXXX on this very issue through the XXXX  and had a call from XXXX from XXXX XXXX XXXX department about the complaint. He left a message for me to call him back. I tried reaching out to him and gave him a good time to reach me via voicemail. Since then, I called him back 3 more times leaving 3 different  voicemails only to never hear from him until the day they replied to the XXXX complaint. Their response was they could not get in contact with me. I rejected this response and argued my side with them explaining this as well as the position they put me in. I have attached everything from the XXXX to EOS as well as XXXX. XXXX 's final response was that I need to get this corrected with EOS since they no longer own the account. My argument is this account should have never been sent to collections in the first place as XXXX is the root cause to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I paid off the balance of my student loans on XXXX/XXXX/XXXX. Interest continued to accrue according to my navient account after my final payment. Saturday morning at XXXX MST they also debited my account for what was my typical monthly payment prior to paying off the remaining balance, overdrafting my account and leading to a rejected payment on my car loan. This resulted in overdraft fees and rejected payment fees. This charge was made two days earlier than my regularly scheduled monthly payment, in the early morning on Saturday. 

When I noticed that interest was accruing after my payment, I contacted Navient 's customer service department via their email contact service through my account describing the situation. I received an automated response that did not address the issue. After the Saturday morning wrongful charge to my bank account I attempted to contact them via phone immediately, to no avail, and submitted another email request. 

I have not yet been contacted in any way by navient.

Company response to consumer: Closed with explanation