BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
VICTIM of TranUnion inquiry misreporting issue and their customer service would not help and take care of the negative inquiries reporting to your credit report. Inquiries to be deleted are as follows : XXXX   XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 2018-07-28
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: Account status incorrect

Complaint:
I filed for bankruptcy on XX/XX/2018. Prior to this filing XXXX XXXX never reported a collection account on my credit report. It wasn't until XX/XX/2018, that they reported this account to the credit reporting companies. My bankruptcy was discharged in XX/XX/2018. Since discharge, I have contacted XXXX XXXX, XXXX XXXX XXXX XXXX  ( the original creditor ) XXXX, XXXX  and Equifax numerous times and asked them to update their records or remove the account from my report because they are reporting inaccurate information. They continue to report this account as an open active collection account negativity affecting my credit. I was recently denied credit by XXXX/XXXX XXXX XXXX due to their false reporting, when I received the adverse action notice it listed an " Open/Active Collection Reported on Your Credit Report '' as the reason for denial. The most recent time that I contacted XXXX XXXX XXXX XXXX  and asked that they force XXXX XXXX to update this account the representative called XXXX  with XXXX  while I was on the phone and he again proceeded to tell the XXXX XXXX XXXX rep that they have updated it and they can't help how the credit bureaus report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX NO ; XXXX C/O Resurgent Capital Services ;  XXXX XXXX XXXX XXXX SC XXXX ; this was sold to the collection company from XXXX XXXX XXXX, and I received notification from all 3 Credit Bureaus that XXXX XXXX XXXX was Deleted from my credit, and this is the only one that is showing up on my report would like this Deleted from my credit as well

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/2017, i, sent out dispute letters certified mail to XXXX, Experian and XXXX with return receipt with time, dates and signature received .On XX/XX/2017 XXXX and experian received dispute letters, XXXX received dispute letters on XX/XX/2017. I, mailed verification request to verify inaccurate information on my credit reports.The inaccuracies ; a Bankruptcy Chapter XXXX dismissed / clsd and a Chapter XXXX Bankruptcy discharged, Along with XXXX account listed included Chapter XXXX Bankruptcy discharged. I have asked the 3 credit Bureau to give me the furnisher of the information on the two public Bankruptcy and the XXXX account that 's included in the bankruptcy, I asked specifically for the name, number of the person that they verified this information with. According to FCRA laws, I thought i was entitled to this information. the 3 credit Bureaus completey ignored my request alone with previous request. all 3 credit reporting Bureaus sent back a letter stating the items are accurate. They also stated that the furnisher of the information is the US Bankruptcy Court - XXXX. I have written document from the US Bankruptcy courts states that they do not report or give out information to the credit reporting bureaus, states they use 3rd party database collectors to get and sale public information, I feel that all three credit bureaus has violated me and the FCRA Act, by giving incorrect false information about how they verified my request. And by NOT validate the accuracy they claim to have. The credit Bureaus should have to remove any derogatory information they are reporting. Completely because they are not validating any documentation not even bearing my signature and penalty and violations should be impose on them.

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 2019-10-13
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: Reporting company used your report improperly

Complaint:
I have filed several disputes complaints with XXXX, TransUnion and XXXX   complaining about the errors from credit companies are false. Incorrect dates supposedly I opened.

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 2018-07-28
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2016 I contacted XXXX from Chase 's XXXX, FL call center concerning an unauthorized late fee on my XXXX XXXX consumer credit card. XXXX was not willing to remove an unauthorized and undeserved late charge on my XXXX XXXX Credit Card. I made my normal monthly payment which is 400 % of the minimum due, and to my surprise and disgust Chase charged me a {$27.00} late fee. XXXX was rude, unprofessional and couldn't fully explain her position on behalf of Chase. This is unacceptable. I recommend looking at the overarching consumer credit policy compliance at Chase. Unsatisfactory and unacceptable for the American consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I went to XXXX  XXXX  to open my first credit card and the agent told me that I had 23 opened/closed credit accounts. I never had a credit account before. Someone used my identity to opened all these accounts under my name. 
The companies and banks are : XXXX XXXX  XXXX XXXX Discover bank 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  Some companies that has multiple accounts opened. 
I attached photos of the banks and amount owed down below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been filing for income driven repayments for several years. Each year on the application I check the box for Navient to pick the best plan for me. I have had a zero repayment for a few years now because I have had no taxable income during that time. After doing research on the options available and looking at my loans online I was shocked to find that I was not in the IDR plan that provided the most benefit to me. Currently they have me enrolled in the IBR plan and for the last couple of years I have qualified for the REPAYE Plan. Under REPAYE I would have received a credit for 50 % of the unpaid interest due on my qualified loans each year. This would have saved me $ 1000s each year on my student loans. I contacted Navient about this, verified with them that I qualified for this plan and they told me to submit the request to have this switched online. I filled out all the paperwork, paid the {$5.00} charge, had my loans switched to forbearance during the approval window and today received a letter saying I was rejected because I was outside of the application timeframe. 

I have qualified for this plan for almost 3 years. The plan would cut my accrued interest each year by 50 % and save me $ 1,000s of dollars per year and $ 10,000s over the life of the loan. Navient was given approval by me to pick the best IDR repayment option for me and they failed to do this. I informed them of this error, took the necessary steps to fix this going forward, verified I qualified, followed their instructions step by step and was still not put in the best plan for me. I have also noticed that during this process they have removed the .25 % interest reduction I had for being set on autopay. So now not only am I on a more costly plan they have raised the rate I am paying on these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: FC HoldCo LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX continues to report incorrect to all three credit bureaus. I The loan in questions has been paid off for over a year. They continue to refuse to resolve this issue which has resulted in me being unable to refinance my home.

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 2018-07-28
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Eqofax is the worst company to deal with.thier dispute form is the most irrational forum.they ask too many questions and make you irritated so you give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/2017, i, sent out dispute letters certified mail to XXXX, XXXX and Equifax with return receipt with time, dates and signature received .On XX/XX/2017 XXXX and XXXX received dispute letters, Equifax received dispute letters on XX/XX/2017. I, mailed verification request to verify inaccurate information on my credit reports.The inaccuracies ; a Bankruptcy Chapter XXXX dismissed / clsd and a Chapter XXXX Bankruptcy discharged, Along with XXXX/XXXX account listed included Chapter XXXX Bankruptcy discharged. I have asked the 3 credit Bureau to give me the furnisher of the information on the two public Bankruptcy and the XXXX account that 's included in the bankruptcy, I asked specifically for the name, number of the person that they verified this information with. According to FCRA laws, I thought i was entitled to this information. the 3 credit Bureaus completey ignored my request alone with previous request. all 3 credit reporting Bureaus sent back a letter stating the items are accurate. They also stated that the furnisher of the information is the US Bankruptcy Court - XXXX. I have written document from the US Bankruptcy courts states that they do not report or give out information to the credit reporting bureaus,states they use 3rd party database collectors to get and sale public information, I feel that all three credit bureaus has violated me and the FCRA Act, by giving incorrect false information about how they verified my request. And by NOT validate the accuracy they claim to have. The credit Bureaus should have to remove any derogatory information they are reporting. Completely because they are not validating any documentation not even bearing my signature and penalty and violations should be impose on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: Convergent Resources, Inc.
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I keep getting contacted by a collection agency and can not pay.

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 2020-05-19
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2018-07-28
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX - XXXX of XXXX I have bank statements to prove that i have been paying my mortgage ontime and in full every month. 

I am not sure how this happened. Chase knows that i am trying to refinance my mortgage and is purposely reporting me late so i cant leave them. I Know I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: BARCLAYS BANK DELAWARE
State: ME
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 or about XX/XX/XXXX I observed a charge to my card that was not made by me. I did not recognize the amount posted to my statement. It was a small amount, however, so I paid it. On or about XX/XX/XXXX I notice another charge on my card and this time I called Barclay 's to inform them that my card had been stolen and used and that I wanted a new card. I also told them that I had paid the XX/XX/XXXX charge but that I would not be paying any other charges. I was assured everything would be ok and was issued a new card. To this date, I have not called to turn the card on. I was assured everything was going to be fine. 

In XX/XX/XXXX and for the last two months I have been getting charged with late fees and 'minimum ' charge amounts by Barclays . I have discussed this and also have trails of electronic messages to and  from Barclays and have had no resolution. I have since observed on my Credit Report that they have reported late payments on this account, which has hurt my score. 

Since XX/XX/XXXX I have received ZERO help from these people and they have decided to not only disregard my requests but also not to remove the charges and then charge interest and fees on fraudulent charges. I have read that everything the company has done so far may violate many of the regulations they are supposed to follow. Please, help 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 monetary relief
Consumer complaint received 2018-04-10
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: Was not notified of investigation status or results

Complaint:
I filed a complaint with TRANSUNION XXXX AND XXXX about hard inquiries on my CREDIT REPORT that are not mines PERIOD. The ( ONLY ) hard inquiry that is mines is the ( XXXX 'S ) that's showing on my XXXX only. I also called the fraud departments on ALL the other hard inquiries on my 3 CRA 's and THEY sent over requests to have them DELETED yet they are still there. And TRANSUNION AND XXXX both have yet to provide me with ANY/ALL documents they have with my signature on it that gives them the right to have a Child support LOAN showing on my 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 2020-11-17
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I bought my XXXX XXXX off the lease at the end of XX/XX/2020. I financed it through the ford dealership, they used XXXX  XXXX. XXXX XXXX did not send the money to Ford until mid XXXX causing a payment to exceed 30 days in the amount of {$370.00}. I am arguing that the late payment on my credit report is not due to me being late on a payment but is due to the ford dealership not sending in my payoff amount to ford on time. I called ford and they spoke to the dealership to have them send in the payment and paperwork but I would like that late payment removed from my report. 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This has already been paid off they took it out of a CD I had and paid my credit card with it so I don't owe any balance for his and the USAA rep told me to dispute it so it can get taken off. 



Alert Date XX/XX/2017 Source XXXX Company USAA SAVINGS BANK Payment Status Over or At Credit Limit Status Date XX/XX/2017 Balance {$280.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, TX XXXX Not sure what this is? Contact XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new checking account as required in XXXX advertisement on XX/XX/2017. I met the requirement for more than nine months but have not received the signup bonus of {$200.00} so far. Also, my account was closed for no reason this month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: EQUIFAX, INC.
State: MD
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:
I dispute to student loan accounts on my credit report that is being investigated by the federal government under the Borrow Defense Program through www.studentaid.ed.gov. Under these terms, I have the right to request a stop collection on any student loans on my credit report. I have disputed these twice and I have provided the documentation detailing this to Equifax. Equifax has refused to remove these items from my report. I was told that they investigated my loans under a fraud investigation based on an alert that XXXX  put on my credit report. I explained to the reprsentative that Equifax did not review my documentation correctly, nor did they review the supporting documentation correctly. I am requesting that these loans and any future collections regarding these loans be removed from my credit report immediately. This is the message I submitted to Equifax : I am requesting that these accounts be removed under the federal government 's Borrower Defense Program : Stopped Collections Status. See borrower defense section at www.studentaid.ed.gov. Please remove the below accounts off of my credit report. These accounts are being investigated by the federal government under the Borrower Defense Program, the school I attended misled and engaged in fraudulent practices that resulted in me taking out these current loans. I have attached documentation for your company to review. XXXX Account # XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28
Company: TD BANK US HOLDING COMPANY
State: OK
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  bank/TD is showing an open account on my XXXX with incorrect balances and wrong dates.

Company response to consumer: Closed with monetary relief