BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Ga, XXXX XX/XX/XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear Transunion, You are breaking the law XXXX Pursuant to 15 usc 1681 ( a ) ( 1 ) Congress states the banking system is dependent upon my consumer reports that must be deemed fair and accurate. My consumer reports are in fact not fair or accurate. Furthermore, Congress also states that you must have my permission to report information on my consumer report which I did not give you. According to pursuant 15 usc 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER. Transunion is being sued for their inaccuracy according to the CEO of the CFPB. 

You took information from alleged creditors and reported this information without consulting with me to confirm if it was accurate or not. This in fact gave the furnisher inaccurate information and an unfair advantage over me. 
This is my third attempt.

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 2016-12-09
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I received a letter dated XXXX/XXXX/2016 from XXXX XXXX in the XXXX inviting me to call him with any questions. The number Navient provided was XXXX. This number is not a good number. I was re-directed to call XXXX. This is also a non-working number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: IQOR US INC
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I  XXXX   XXXX  file this complaint with the Consumer Financial Protection Bureau, as I have already proven tha t   XXXX   XXXX   is  using another scam on a debt collection process that has already been beaten in federal court against  XXXX . The student loans were all procured well before   XXXX  , and my student loans were privatized, not owned by the United States Department of Education, or guaranteed in any sort. Originally   XXXX   XXXX   were trying to establish an administrative garnishment, but that was shut down by the Department of Education. The collection attempt was by a Massachusetts debt collector named  XXXX   XXXX . Now   XXXX   XXXX   play a musical chair approach by seeing if another debt collector name d Allied Interstate, LLC wi ll try the administrative garnishment. This is not only illegal, but this company did a hearing request where I would have to travel to the state of Minnesota to appeal the process in general. This is a violation of the stringent collection guidelines within the state of New Jers ey. Allied Interstate, LLC is not  bonded or licensed to do business with any resident of the state of New Jersey. They are a deplorable operation that will attempt anything to collect on any debt, even debts that are no longer enforceable, such as  my 20+  year old private student loans. There were several complaints against this company online, and in state courts nationally. An administrative garnishment can only be enforced to the benefit of the United States Department of Education. period.   I demand a complete rescission of the attached threat for administrative garnishment. The timeline for a legal collection process on private debts have long passed  XXXX   XXXX . This false administrative collection process is what got   XXXX   fired by the United States Department of Education as a sanctioned debt collector, and Allied Interstate LLC has no authority from any federal agency to collect on behalf of the taxpayers of the United States. Allied Interstate LLC is not even legally bonded or licensed to do business in the state of New Jersey.   I DEMAND A CEASE & DESIST ON ALL FURTHER ILLEGAL ACTIONS BY ALLIED INTERSTATE LLC.   ALLIED INTERSTATE LLC IS IN TRUE VIOLATION OF THE NEW JERSEY FAIR DEBT COLLECTION PRACTICES AC T 45:18-2 A ND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.   CEASE & DESIST AND FILE THIS COMPLAINT WITH THE FEDERAL TRADE COMMISSION TO START A PROPER INVESTIGATION AGAINST ALLIED INTERSTATE LLC ILLEGAL COLLECTION PRACTICES!!!   ALLIED INTERSTATE LLC MUST PURGE MY FILE PERMANENTLY!!!

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 2016-07-04
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
I used to have XXXX credit cards issued by Barclay bank, and have a perfect payment history with these cards. But recently the Barclay bank closed all the XXXX cards without any notice. I called the bank but they did not providing me any specific reason other than saying a notice letter is on the way, and refused to re-instate these accounts. 
I just paid the annual fee {$89.00} for the arrival plus card in XX/XX/XXXX, and have XXXX awards miles ( which worths {$550.00} ) in the arrival plus card, and XXXX awarded points ( which worths {$13.00} ) in the extra points card, both are accumulated from my previous purchases. Now I could not redeem these awarded miles and points online as the accounts were closed, and Barclay bank refused to give me back these rewards. It 's unfair to me because I always obey the credit card rules and earned these rewards according to all terms and conditions, but the bank seems to take away them and take advantage in finance by ending up the customers ' account abruptly. 
I would like to seek your help to get back my rewards ( $ XXXX+ {$13.00} ) and annual fee ( {$89.00} XXXX from Barclay bank, which is totaly {$650.00}.

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 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX Account # XXXX, has violated my rights. 

1

5 U.S.C 1681 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 explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a letter from XXXX stating I had a XXXX XXXX score, which is different than my credit score, and that because of this score I needed a deposit. I've never been asked for a deposit ever and I'm XXXX. In their letter it said I could go to Experian online and get the information or call Experian to find out about my XXXX XXXX score. I have gone online but it only asks about my credit score. I have called and it does the same thing. I have called repeatedly and asked for a representative and it keeps the same prompts and finally disconnects me. 

In the letter is specifically says " the XXXX XXXX score is a risk assessment score is different from your XXXX XXXX XXXX. '' As a business owner of an insurance agency, I'm very familiar with " risk scores. '' The fact that I have made multiple attempts to get this information online ( where directed ) or by phone ( again, where directed ) and can not get either seems deliberate. I am a responsible consumer that tries to make sure my credit is excellent and to receive a letter like this but not be able to get the answers is frustrating and feels deceptive.

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 2022-04-16
Company: EQUIFAX, INC.
State: GA
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Chase is charging me {$7.00} interest on a credit card, despite the fact that I agreed to a balance transfer with 0 % interest. 

They are citing my annual membership fee, which I paid without letting it carry over into the following months statement. 

They are also citing a transaction which was full covered by a membership benefit. This is unfair, predatory, and misleading behavior. 

I should not be charged this {$7.00} in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
On XX/XX/2021. I received a reply from EXPERIAN that the information i reported was accurate and would be updated. Instead, they deleted the account from my report. I only asked that they put the correct beginning balance on of my mortgage which was {$140000.00} and not what they were showing. I have even gotten the mortgage servicer involved which is XXXX XXXX XXXX XXXX and i am still not seeing any correction. I have tried calling but can't find a number where you can talk to an individual. I tried disputing this under the previous mortgage servicer, but it does not allow this.

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 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I read the report u sent me in response to my last complaint. U stated there is no problem with my credit reports and it states I made my payments on time however I have not or at least I dont see that u corrected the issue of the payment history in XX/XX/2018 which has a red box indicating negative. There is nothing negative about my payment history as I made all payments monthly and never late. So, on the one credit report, ( I dont recall which one at this time, but I suspect it is on XXXX, however please double check all three credit agencies to verify which one still has the red box in my payment history. ) please correct to represent the facts!

Also, one of the credit reports I received states derogatory in payment history which is also false. Absolutely no where on any of my credit reports should show that I am derogatory or delinquent or negative! The only thing that showed be on my reports r the true facts which clearly if I make all payments my payment history should never show anything but paid as agreed! 

U must remove all negative, derogatory and or delinquent comments, statements and or marks from all three credit agencies on my reports to represent my history with XXXX XXXX mortgage company. My mortgage company should never report anything except bankruptcy since they insist on doing so despite the fact that I did and still do make the payments all on time since day 1 ( one )! There should be no representation of anything negative except the fact I filed bankruptcy. Bankruptcy does not mean I didnt pay my mortgage, it simply was the wrong action I was manipulated into filing for judgment liens not on any credit card or mortgage at the current time. 

Must remove everything negative from XXXX XXXX and my payment history as it was and still is on time every month! 

Just because it states payments were on time doesnt change the negative, derogatory and or delinquent statements or comments in my reports. Please correct to represent the facts that I did make all payments on time.

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 2022-07-21
Company: BANK OF THE WEST
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, I went to deposit a state rebate check issued to me. As I utilized the drive through to make the deposit, the manager from that branch was handling my deposit. He refused to cash my check because the check was under my married name. When I let him know that my valid ID has my married name, he refused and stated that its not valid. He would only cash it if I gave him my marriage certificate. He refused to let me show him my military ID with my maiden name on it. And he was being very rude to me from the start. So that same day I called the bank and filed a complaint. And today, XX/XX/2022, I received a letter in the mail from him saying that hes closing my account at that bank. I feel like he is retaliating against me and from the start on XX/XX/2022, I was being discriminated against by him. I had to deposit my check via the app and it went through no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Well there are XXXX accounts open with my information. XXXX of them is from XXXX XXXX service ending with XXXX and the other XXXX is from XXXX. Both these accounts were opened without my knowledge. I did dispute them with the credit bureau but they are not removing it. Please take the steps to get this resolved for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital one venture XXXX approve me for a card where if I spend {$10000.00} you get 100,000 points. I used it once, tried to use it a third time and couldnt. Without notice the card was frozen. No email nor text or call was made to informs me. I called them and it was stated that they need to see three months of my bank statements. Then they immEdiately added a {$390.00} annual fee to a card I had to access to. I immediately sent the statement and they did not check it for weeks. I called several times checking the status and seeing if they can extend my 6 months since I couldnt use the card. Finally after the month they called and said I could use it. Once I asked about extending the time. They said it would take 10-14 days to see if that can be approved. By then the first payment is due with the annual fee. Its criminal..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report on XX/XX/XXXX and XX/XX/XXXX but I was ignored in my initial reach outs. When I did not receive a response I sent a a second letter and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I completed and returned their Dispute Request Form to Equifax, and it was received by their employee, XXXX XXXX, on XX/XX/XXXX. ( See certified mail receipt included as supporting documentation. ) The 30-day deadline to investigate my disputes is no later than XX/XX/XXXX. As of XX/XX/XXXX, the form I submitted is not logged on the dispute page of my online consumer credit report at myEquifax.com by the date of its receipt. ( See screen prints of dispute pages one and two included as supporting documentation. ) Additionally, since submitting the Dispute Request Form in XXXX, ADDITIONAL errors have appeared on my Equifax consumer report. An account is now being reported in duplicate. ( See supporting documentation illustrating duplicate account. ) Equifax has made of mockery of my consumer credit report and I want the following errors corrected no later than the 30-day deadline mandated in the Fair Credit Reporting Act ( the FCRA ), 15 U.S. Code 1681i : 1. XXXX XXXX XXXX XXXX Remove the 60-day late showing in XX/XX/XXXX. 
2. XXXX XXXX There are now two accounts listed. Both accounts show as open with {$1800.00} balances and 379 % and 79 % credit utilization. In actuality, one account is closed with a {$0.00} balance. The other is an open account with a {$0.00} balance and a high credit limit of {$2400.00}. When the dispute was submitted last month only XXXX XXXX XXXX account appeared on my credit report. I have not opened a second account. 
XXXX. XXXX XXXX XXXX Remove this collection account. 
I attached accompanying evidence to the dispute form submitted in XXXX and have provided no additional, relevant information that would permit the investigation of my disputes to extend beyond the 30-days permitted by law. 

Equifax reports blatantly inaccurate data on my consumer report. After filing their dispute form and speaking with various Equifax personnel, I believe that the credit bureau is negligent in its responsibilities under the FCRA to provide trained personnel to explain to the consumer any information furnished I also believe that the damage to my reputation is intentional and as such, I will be seeking all remedies available.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Mercedes Benz Financial Services
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
On XXXX XXXX, 2015 I entered into a vehicle lease/trade-in contract with Mercedes-Benz Financial XXXX XXXX XXXX of XXXX XXXX, CA ) with a down payment of {$10000.00}. My current vehicle was surrendered and I was given the new vehicle. On XXXX XXXX, 2015 I was informed by the location 's Finance Manager ( XXXX XXXX XXXX that MB Financial had declined my application for credit, but I should not worry as he would get it approved through reconsideration. On XXXX XXXX, 2015 I received official notification from MB Financial my application for credit was declined, but again, XXXX XXXX assured me not to be concerned and it would be taken care of. At no point was I advised the transaction was pending further/final approval. Under the impression this was a final deal, I tinted the windows at a cost of {$230.00}. On XXXX XXXX, 2015 XXXX XXXX advised me he was unable to obtain final credit approval and I returned the car. When my previous car XXXX 2014 XXXX Touareg with XXXX miles on it ) was turned back over to me, I was advised there was new tires on it. As an individual who used to sell tires for a living, they were clearly the same tires treated with XXXX. XXXX XXXX XXXX offered to show me a Purchase Order, but refused to produce the vehicle 's original tires at my request. At that point I noticed the mirror control knob had been broken off, rendering the mirror adjustment useless. XXXX XXXX told me point blank " you have {$1100.00} worth of new tires on your car, I 'm not repairing that mirror knob. '' XXXX has advised me the entire console needs to be replaced, which will cost {$250.00} in parts and XXXX hours of labor to repair.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I applied for a Dillard 's charge card as I would like to participate in their rewards program. 
Instead of a charge card, I was issued a Dillard 's American Express card. I contacted Dillard 's and XXXX XXXX requesting a downgrade to a regular Dillard 's charge card and was told I was ineligible for a downgrade because my credit is too good and that only people with bad credit are eligible for a " Dillard 's only '' charge card. 
I do not want another credit card because of the greater liability if lost stolen and the fact that I plan to let other persons use the card for Dillard 's purchases. 
I believe it is an unfair practice to issue Dillard 's charge cards only to persons with bad credit and to refuse to issue a charge card to persons with good credit. 
Desired resolution : Issue me a Dillard 's only charge card. 
The XXXX XXXX card that I was issued is XXXX. I have not activated it ; nor do I intend to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation