BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
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: Account status incorrect

Complaint:
I have 2 accounts on my XXXX, Experian and XXXX reports that are being reported inaccurately. I have written to all three bureaus and asked that corrections be made to those accounts on numerous occasions with no results. Both of these accounts were in charge-off status but have been paid in full. It then becomes the responsibility of the bureaus, as well as the account originator to report it correctly, does it not? It is reporting differently with each bureau but some specific items that are incorrect include : a 120 day late payment status, account status reporting derogatory, payment status reporting charge-off, currently reporting the account in chargeoff status monthly. Due to the fact that I have asked the bureaus to investigate and correct this misreporting information on XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020, I feel I have given the bureaus enough time and plenty of opportunities to correct this misreporting information, they need to remove these accounts from my reports. Period.

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 2022-04-05
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked that Convergent Outsourcing remove there collection from my credit report The Original Creditor is XXXX I have asked them to show my proof where is account is mine with paper work and why i never received the paper work showing the I own this account Then sold to Convergent with proof this account belongs to me So please remove account from my credit reports since proper paper work was not done to show This account belongs to 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 2019-12-04
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters on 3 different occasions ask Experian for their method of verification for a XXXX account that I told them wasn't mine each time I've never gotten a response as to how they verified the account just a letter saying it was verified. I also reached out to the collection agency that has the account and asked the same and they just sent me a bill and told me to make a police 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 2021-05-18
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
PENFED CREDIT UNION XXXX APLICATION # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern : After reviewing closely my credit and my income I found no reason to be denied for this loan I have excellent credit history and have never pay anything late, my house, my car payoff is pay off and I was denied. 
The only conclusion is that you are discrimination against me and my age. 
I WILL TAKE THIS TO THE FULL EXTEND It is impossible given my credit history to be denied and your reasoning of RATIO OF BALANCE AND OTHERS JUST NOT MAKE SENSE I WILL PLACE A COMPLAIN TO all authority that deal with your behavior. 
Consumer Financial Protection Bureau, XXXX XXXX XXXX, Federal Trade Commission, State Attorneys

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To Who  m It May Concern, Yesterday my husband and I had property SOLD and left with a check to be deposited.
We deposited the check into our JOINT Checking Ac  count . ( Bank of America ) Within 12 hours there was thousands of dollars being processed/withdrawn out of our JOINT Checking Account. The company that withdraw the monies, was n't indicated at all in our JOINT Checking Account statements. There was no ALERT! that was indicated to us with our online Accounts at all.   <P/> Of course, we immediately went to the closest Bank of America to see what on earth was going on with this particular account mentioned above.  <P/> 
The Bank of America Manager found out that it was a Credit Card issued back in the early  XX/XX/XXXX  through my husbands company which has been CLOSED since XX/XX/XXXX . They indicated that    the last payment wa s XX/XX/XXXX . The  Credit Card was through the company which was also a LLC. My husbands name was the ONLY name on the Credit Card. Not mine.  <P/> The monies that were withdrawn is also mine. Th e Checking Account is also a JOINT Acc ount.  XXXX  Bank of America fraudulently withdrawn monies out of a   JOINT Checking Account  XXXX   XXXX   Please note, there was no notice by mail or phone calls to Alert us of any problem or issues to resolve any matters with Bank of America.
<P/>  There needs to b  e ACTION taken against Bank of America.
<P/>  My husband and I are retired and only get a small amount per month through social security. This Sale of t  he Property was to be a small cushion of security which was taken away from us like a thief in the night.
<P/>
Please let us know what ACTION must be taken so we can proceed to go further and have our monies returned to us.    <P/> Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I get calls daily from different numbers regarding an account for my mother who has been deceased for almost 2 years. I personally dont even have an account with Navient so I dont even know how they obtained my number. I tell every single about her passing. I tell them I have submitted her death certificate and all other documentation several times since XX/XX/2020. But somehow no one can ever seem to locate it. I verify her information every day and they still call. I ask them to stop calling me and I get more calls. Im still grieving and I hve to relive it over and over everyday dealing with them. Enough is enough. You got my cell number somehow but u wont update her account to decease and u wont give her account number, even though I verify everything. I constantly asked for the address, so much Ive memorized it before its even given to most days just to how many times I hve sent. Even sent a copy of the paperwork given administration of her estate which I kno is how they got my number Im sure of it. Yet nothing is on file and still call me 5 or 6 times a day, for almost 2 years. And text messages started about a yr ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I recieved an email of paypal and it said that I can't no longer used business using paypal. Before when my account is not verified They e mail me something how my paypal account without limit, and then I just follow the instruction and then they congrats that I am already established seller and my account is unlimited payments then I transact everyday, and now, after transacting every a few months later, paypal sent me an email today that I can't no longer use any transaction o business in Paypal, the problem is I have a waiting payment in Paypal, and according to e email I can no longer recieved money using paypal, I try to go their resolution center but I don't see anything to fix the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
GM Financial has right on their website that all leases will be AUTOMATICALLY extended month to month for up to six months in one month increments, and nothing more needs to be done. We needed to extend our lease and saw that and nothing else needed to be done. GM also had our wrong email ( missing XXXX in it ), used the corporate office number to contact us about a late payment ( must have been off the credit application because we never provided it, as it is not a number my husband can be reached at, and an old address so we never received ANY notice of the late payment and assumed it was all fine since their website reads that it will automatically extend month to month. The day we realized we had a late payment ( first EVER ) we paid the double payment. We contacted GM- they told us to contact credit companies. I filed disputes with all three credit companies-all were denied. I contacted the credit companies and was told to contact GM. I contacted GM again and got nothing in response at all. Our credit score is ruined and it was not at all our fault that the website ( STILL READS TODAY ) that it will automatically extend-it doesn't state that it shuts off autopay, or that the payment changes in NY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to TELETRACK and there is no third party involved. TELETRACK has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. I ALSO DEMAND THE TELETRACK VERIFICATION METHOD. WITHOUT RECOURSE. 
I HAVE WRITTEN YOU ONCE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone rented an apartment in XXXX, Florida in my name. They did not pay for the apartment and they ended up owing the leasing company {$7500.00}. This showed up on my XXXX credit report and is making it hard for me to rent an apartment. The only time I ever lived in Florida was when I was about XXXX XXXX XXXX, so there is no way this could have been me. 

Later on, someone rented an apartment in XXXX, GA, in my name. Again, they did not pay their rent and ended up owing the leasing company {$21000.00}. According to my credit report, the date of first delinquency was XX/XX/2019. At that time, I was living in XXXX, GA, where I attended the University of Georgia for XXXX years to earn a XXXX XXXX. So again, I was not living where this apartment was rented and this could not have been me. 

I am trying to rent a new apartment now and this history of identity theft is making it impossible for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: JPMORGAN CHASE & CO.
State: CO
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:
In XXXX 2017 I received an attractive offer for a Chase - Southwest Airlines credit card. The offer said I would receive {$100.00} credit, plus XXXX points in my Southwest frequent flyer account. I applied for the card, but Chase rejected my application. The rejection letter, dated XXXX XXXX 2017, stated Too many credit cards opened in the last two years associated with you ( please see the first page of the attached document ). On XXXX XXXX 2017 I called Chase and complained about it. I was told the decision couldnt be reversed. On XXXX XXXX 2017 I called Chase again and asked How many credit cards opened in two years is too many? The agent failed to answer my question. Ironically, on XXXX XXXX 2017, shortly after my credit card application was denied, I got an offer from Chase for a home equity line of credit ( please see the second page of the attachment ). That clearly shows that Chase considered I was a reliable customer. In addition, at the time my application was rejected I had two Chase credit cards. Both were always paid in full ( I had autopay set up ). Last but not least, I have an excellent credit score. My honest opinion is that Chase bank declined my application because it did not want to honor the bonuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a XXXX TV customer then was changed to XXXX. They were so bad I cancelled the service and paid a balance due of {$150.00} on XX/XX/XXXX, I spoke  to a person named XXXX. Apparently, between the time XXXX credited my account they charged me {$59.00}. I received a letter dated XX/XX/XXXX claiming I still owed {$59.00}. On XX/XX/XXXX I called and spoke to a person named XXXX who told me I owed {$5.00}. I then received a collection letter from Credit Control Corp. on XX/XX/XXXX that I owed {$59.00}. On XX/XX/XXXX I contacted XXXX at Credit Control and attempted to explain what happened but she was so confused I hung up and decided to contact the Consumer Finance Department to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following inquiries have been listed on my report inaccurately : 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 These accounts are not mine , nor are they associated with any open accounts. The number of inaccurate inquiries is affecting my report heavily and they need to be removed 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 2022-10-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello XXXX, someone I know told me hes do a business in the USA with another man and the person supposed to send him money but for some reason the transaction didnt go through so if he can use my bank account to receive the money and and send it to him which I agreed.so I received the money and then wired it into his account 3 weeks later I noticed my account is on negative I contact my bank, they told me the person that sent the money has recalled his money back in which my bank didnt inform or said nothing.so at this point my back has frozen my account getting to a month now i dont have access to my money and i feel like am been a victim to fraud but my bank is not helping me, my bills are backed up and its frustrating so am filing a complaint against my bank which is TD Bank .thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
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:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been working with Barclay Bank Delaware, XXXX XXXX and XXXX on a credit card account that was initially all issued by XXXX XXXX. XXXX XXXX sold off the credit card account to Barclay Bank Delaware. XXXX is in the mix only because XXXX XXXX transferred student loan to XXXX and the rewards program for the credit card directly credit the student loans. <P/>XXXX XXXX sold off the credit card account to Barclay Bank some years ago and the rewards program stayed mostly the same. Rewards were able to be credited to a specific student loan not to the whole overall account with several loans. Also rewards could were earned at roughly the same rates. In XXXXX 2017  Barclay and XXXX XXXX shut down the rewards program and forced me into a rewards program that has less than half the capability of rewards and removes the ability to credit rewards to a specific loan. I demanded to see the original contract I signed with XXXX XXXX and Barclay can not produce it. HOW DO YOU RUN A CREDIT CARD ACCOUNT WITHOUT HAVING THE ORIGINAL CONTRACT? <P/>What it comes down to is that Barclay will not honor the original contract with XXXX XXXX, Barclay will not honor their assurances that a customer can credit rewards to a specific student loan, and Barclay will not honor their assurances that a customer can apply rewards to the principle of a loan. This is a thoroughly disreputable organization and I will take my complaints every direction I can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Good Afternoon, I am reaching out to the CFPB due to not being able to get inaccurate information off my credit reports. I have reached out to 2 of the 3 Credit bureaus XXXX and Transunsion to resolve this matter. Not only is this information incorrect on my reports but it is causing me a hard time trying to obtain credit. I am in the process of becoming a Homeowner in XX/XX/XXXX and this negative impact is causing delays. I understand that the credit bureaus may be busy during the XXXX, but as a consumer under law they must report correct accurate information. Listed below are the credit inquires from both credit bureaus XXXX and Transunion that I did not authorize. 

This is my second request in regards to this unauthorized inquiry from your company that had been placed on my credit report without my permission As you no doubt are aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. The CRA 's maintain that if the inquiry is on file then the company listed did in fact view the consumer 's record. 
I am writing this letter since the Fair Credit Reporting Act ( FCRA, Title 15 U.S.C. 1681 et. seq. ) prohibits anyone to view a consumer report absent a 'permissible purpose ' ( see specifically 1681s-3 ( b ) ). 
I don't recall applying for credit with you. 
Please explain in detail your purported permissible purpose giving you access to my credit file. In the event no such permissible purpose exists, please arrange for payment of no less than {$1000.00} ( XXXX XXXX DOLLARS ), payable to the name listed above. 
Also be apprised that, in the event you fail to promptly and fairly address this serious matter, I will pursue my legal remedies as provided for under the FRCA. Specifically, Title 15 U.S.C. 1681n & 1681o which provide harsh penalties, including statutory and punitive damages, costs and attorney 's fees in appropriate cases, for non-compliance with the FCRA XXXX 
Your timing is crucial so I would greatly appreciate a response from you within thirty ( 30 ) days for the presence of this inquiry is doing serious damage to my credit report and is inhibiting my ability to obtain necessary credit. 

Please immediately forward a letter indicating your intention to delete the inquiry or a copy of the original signed application. 


XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX +  All Banks XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from 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 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

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