BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the fair credit reporting act XXXX account # has violated my rights. 

XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX 15 U.S.C. SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2019-06-04
Company: Experian Information Solutions Inc.
State: NC
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 filed a proper dispute on account # XXXX from XXXX XXXX with Experian. Experian received the dispute XXXX, XXXX 2019. I sent the reporting creditor ( XXXX XXXX ) a request for validation and they received the dispute on XXXX, XXXX 2019. I didn't get a reply from XXXX XXXX, and Experian didn't do a proper investigation or properly mark the account as disputed, which, is an FCRA and FACTA violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The incomitance of the staff working for this company is ridiculous. I call and get transferred around like a BB in a box car and no one has any helpful information on refinancing my loan. 
Can my loan be refied? 
Can I change it to a 15 yr? 
i understand the Federal Gov extended the forbarence time until XX/XX/XXXX for FHA loan so why do I not qualify? 
These are the starting question that no one can answer no matter how hours I waisted on the phone regardless of how many times they transfer 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 2019-06-04
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Message I sent them XX/XX/2019 : There is still an issue with my account having a *XX/XX/2019 - 30-Day-Late* mark being reported to the credit bureau every month and negatively affecting my credit. I was a XXXX XXXX XXXX during that time period and should have been in deferment. I sent your company documentation proving that I was a XXXX XXXX XXXX at that time and you put me in deferment as of XX/XX/2019, but DID NOT remove the negative mark from XXXX in your system. I have called 5 times over the past few months trying to resolve this issue and every representative has told me they " put a note on my account '' or will contact an " account specialist '' to resolve the issue and email me confirmation when the issue has been resolved. The issue is still not resolved and no one has ever sent me a follow up confirmation email. As of XX/XX/2019 XXXX XXXX informed me that your company is continuing to report this misinformation. I am very unhappy with the way your company is handling this situation and how long it is taking me to get this issue resolved. 



On XX/XX/2019, at XXXX XXXX, UASconnect wrote : Dear ..., Thank you for contacting University Accounting Service . 

We apologize for the inconvenience in your part. As we check there is a benefit applied on the time that it was reported negatively. We already reported it to the credit agency to be removed but then it still exist. Kindly file for a consumer dispute or have the credit agency call us together with you on the line so that we can resolve the past due notice in your account verbally. 

*There are several other emails where they can not look up my account or can not figure out how to resolve this issue and just say to call. When I call they say they will fix the problem but never do. 

I have made several calls to XXXX XXXX initially the late mark was removed by them in XXXX but then reappeared two weeks later once UAS sent their monthly report. XXXX XXXX said there is nothing they can do to permanently remove this late mark because UAS 's system will continue to report the mistake monthly until they fix it internally. This issue has been going on for four months and is negatively affecting my credit score. UAS is claiming they have tried to resolve the issue but it does not reflect in my credit score. I have never had a problem with a loan servicer, this company is ruing my credit and I am not sure what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Receivables Performance Management, LLC
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Earlier this year I got a copy of my credit report and saw that my report included a collection for Receivables Performance Management for XXXX in the amount of {$4600.00} for an account that was opened on XX/XX/XXXX, i disputed the account and later was updated to show that it was opened on XX/XX/XXXX. I have never had an account nor applied with XXXX for any services. When i called Receivables performance to obtain information and dispute the collection, they asked me to verify my identity and provide them my information which i did do, they then repeated to me the information they had on file - the email address they had is not mine and i did not open the account nor did i authorize for any account to be opened in my name. I asked for information on the account, date time and location of where it was opened so that i could reach out to XXXX and investigate and was told they would send me the information to the address i provided at that time. I received a bill in the mail from them for this instead of a dispute or investigation. I was told that i needed to pay for a notary to notarize a statement and then go to the police department and open a police report for this. I have no information on the person that opened the account nor was i given any information to report besides what is on my credit file. i need this unauthorized account to be removed from my credit report and to be investigated. I also need information that i had requested previously for my records. I do not have any documentation or emails on this account and have been told i can't have it removed if i don't have paperwork- i wasn't even aware of it until i checked my credit this year. How do i dispute this invalid account?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
IN XX/XX/XXXX I SIGNED UP FOR A GYM MEMBERSHIP WITH XXXX XXXX ( NOW CALLED XXXX XXXX XXXX I ATTEMPTED TO CANCEL THE MEMBERSHIP BUT I WAS TOLD IT WOULD NOT END UNTIL THE END OF A YEAR TERM AFTER XX/XX/XXXX THE GYM CONTINUED TO CHARGE ME THE MONTHLY FEE I HAVE CONTACTED AND GONE INTO THE GYM MULTIPLE TIMES TO REQUEST CANCELLATION BUT THE GYM CONTINUES TO DECLINE OR DISREGARD MY REQUEST IN XX/XX/XXXX I CONTACTED CHASE BANK AND PROVIDED THEM DETAILS OF THE ISSUE AND REQUESTED THEY STOP THE GYM FROM BEING ABLE TO CHARGE ME, UNFORTUNATELY NOTHING WAS DONE TO HELP MY SITUATION AT THIS TIME IN XX/XX/XXXX I CONTACTED CHASE AGAIN, AND THE REP ADVISED THAT I HAD TO PAY A {$30.00} FEE IN ORDER FOR THEM TO MOVE FORWARD WITH MY REQUEST OF STOPING WITHDRAWALS FROM MY ACCOUNT, I AGREED. 

NOW XX/XX/XXXX I RECEIVED AN ADDITIONAL 4 CHARGES FROM THE GYM I WOULD LIKE FOR CHASE TO REFUND ME THE ENTIRETY OF THE UNAUTHORIZED PAYMENTS, ESPECIALLY CONSIDERING THE FACT THAT THEY HAVE TAKEN {$30.00} TO FIX THE ERROR BUT INSTEAD CONTINUE TO LET UNAUTHORIZED CHARGES BE TAKEN FROM MY ACCOUNT THE TOTAL OF THE WITHDRAWALS MADE BY THE GYM FROM XX/XX/XXXX TO DATE IS {$350.00} I FIND IT COMPLETELY UNFAIR THAT THESE 2 COMPANIES ARE TAKING ADVANTAGE OF ME. WE ARE IN THE MIDDLE OF THE PANDEMIC AND THIS IS JUST MORE STRESS ADDED DURING A VERY DIFFICULT TIME. ESPECIALLY CHASE BANK SHOULD HAVE THE INTEREST OF THEIR CUSTOMERS PRIORITIZED, BUT INSTEAD THEY ARE ALLOWING XXXX  TO CONTINUE TAKING FROM MY ACCOUNT. THESE COMPANIES ARE GETTING RICHER BY CONTINUING TO STEAL FROM THE COMMON PEOPLE. 

I HAVE ATTACHED AN EMAIL RECEIVED FROM THE XXXX AS PROVE THAT I HAVE EXHAUSTED MY OPTIONS FOR HAVING THIS MATTER RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 have several non authorized credit inquires that I believe were a result of the inquiry problems transunion had a while back..Also contacted transunion and they seemed to not want to address my issues at all and etc ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: National Management Recovery Corp. (NMRC)
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX, I received a phone call from the XXXX XXXX XXXX XXXX XXXX, I returned the phone call XX/XX/XXXX. After speaking with the lady on the phone XXXX, she explained that I owed {$2000.00} for my purchase of my XXXX XXXX XXXX. She said I defaulted on a check and If I don't pay it then she is putting in the " charge '' and she will be repossessing my car. The only lienholder on my contract, and on my registration is XXXX XXXX. I did not agree to pay any extra {$2000.00} to these people. On my legal 553 CA-ARB contract is shows I fulfilled my full down payment of {$4500.00}. I am being harassed and threatened by the company. Per any contractual law. I am only legally obligated to pay my lienholder which is XXXX XXXX and have made no further agreements to any other lender, or promised to pay any other amount of money to. I am including a copy of my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: AL
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This company needs to learn to decline transactions as a customer for 15 years they are about to lose. they hit me with 4 overdraft fees. 2 of them over a {$10.00} transaction and a {$5.00} transaction. They have declined me for every credit product since the account was opened. I've reached a breaking point with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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'm soon to be in the market to purchase a new vehicle. I started preparing by checking my credit report to know what my credit score was. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I've contacted the FTC, the police and I'm doing this on my own behalf. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX. Inquiries : XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, 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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The list of accounts below in my complaint has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX Account Name : XXXX  XXXX XXXX # XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/2020 I made an online purchase at XXXX in the amount of {$960.00}. I never received the merchandise and I reached out to the merchant and Capital One. On XX/XX/2020 Capital One credited my account {$960.00} ; however, on XX/XX/2020 my card was recharged the amount of {$960.00}. On XX/XX/2020 I spoke with XXXX a representative at Capital One who stated I still had time to upload supporting documents for my case. On XX/XX/2020 XXXX, a customer service agent from XXXX stated via email on XX/XX/2020 Capital One filed a dispute and she was no longer able to further assist with my case. On XX/XX/2020 I spoke with Shen manager ID XXXX  XXXX at Capital One who stated my case was closed and they were no longer going to refund the {$960.00} for the merchandise I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: BARCLAYS BANK DELAWARE
State: GA
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 have contacted Barclays Bank via phone and mail and I have yet to receive a response I was a victim of Identity Theft I have provided those documents as well and they still continue to report incorrect and inaccurate information of accounts that I never had

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 2020-09-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian 's fico score is XXXX which is 40 points lower than XXXX   XXXX and XXXX XXXX. I recently filled out this form and they increased my fico by 2 points. I contacted Experian again and this is part of the response : Our memberships utilize the XXXX XXXX scoring model, which is a score used for many lending decisions. Additionally, credit scores can vary based on the credit reporting agency that supplied the report. The score is based on the report and creditors are not required to report to all credit bureaus. The three major credit reporting agencies in the U.S. are Experian, XXXX, and XXXX. 
There's an important distinction to be aware of, Experian and the other reporting agencies do not calculate credit scores themselves. The reporting agencies solely provide the credit report and then the lender or creditor may use XXXX, XXXX, or even a custom scoring model to calculate your credit score. 
What they are telling me is that the reporting agencies would use one method of reporting to XXXX  and XXXX  and a different method for Experian. If they were 10 points away from the other I could understand what they are saying, that may be possible. This is just Experian not doing what they are suppose to do as a credit reporting agency. A person should not have to do so much to get them to correct their error.

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 2020-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i had my credit card payment for capital one on auto pay. it was scheduled to auto draft on the XXXX of each month. upon reviewing my credit report, XX/XX/XXXX and XX/XX/XXXX show late payments, i always check to see the draft take place inside my bank account. it did at that time. money said it was pending. then i looked at report and it showed a late payment. i called capital one and they said auto pay didn't draft and they failed to let me know both times. capital one said there is nothing they can do about it and are unwilling to take fault for auto pay not working correctly. i believe this is extremely unfair because it is damaging my credit report and im trying to purchase a home for my family. im unable becuase of these negative remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive been working on cleaning up my credit report the last 3-4 months in preparation for refinancing student loans and leasing another car in the next 12 months, however I've been unsuccessful in correcting an error on my TransUnion report. 

I leased a 2016 XXXX XXXX from XXXX XXXX of XXXX XXXX XXXX CT XXXX in XX/XX/2016 and also purchased a 2016 XXXX in XX/XX/2016 from them as well. 

What Ive found is that TransUnion has been counting those 2 transactions as 7 hard inquiries on my credit report ( see attached ). I understand that the credit reporting agencies should have only counted these 7 inquiries as 2 because they each occurred within 7 days of the lease/purchase transaction, but that didn't happen in the case of TransUnion. When I called them a couple of weeks ago they told me that regardless of the way they report it, it counts only as 2 inquiries as far as they are concerned for the purposes of their credit score. They refused to take any further action. 

I recently requested an increase on my limit on a credit card with XXXX XXXX and was turned down in part based on information in my TransUnion report. 

While I understand that all these inquiries may roll off the report after 2 years, I cant wait for TransUnion in the hopes that they do it on a timely basis, since they already have shown a pattern of persistently reporting inaccurate information. 

I have attached a report with the corresponding 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 explanation