BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
TransUnion XX/XX/2020 Initial Correspondance date : XX/XX/2020 File Number XXXX XXXX XXXX XXXX TransUnion Sent me a letter informing me that they are in receipt of additional information and that they are taking 15 extra days to complete my. investigation instead of the 30 days required by law. The later stated that my dispute will not be completed until XX/XX/2020. 
Under the fair Credit Reporting ACT it states that ( A ) may be extended for no more than 15 days if the consumer reporting agency receives information from the consumer. I have not sent them any information except for my original dispute with my ID, Address, verification, my pass port, along with birth certificate. TransUnion is using stalling tactics and need to remove the information from 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 2021-07-09
Company: HYUNDAI CAPITAL AMERICA
State: NV
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:
We ( wife & I ) filed ChapterXXXX XX/XX/XXXX only account in CHAPTERXXXX IRS, Hyundai Finance Co. ( auto loan XXXX XXXX was outside paid direct. On credit report/history Hyundai lists account closed/chapterXXXX or charge off. 36 months no payment history! ChapterXXXX discharged XX/XX/XXXX. Court has vehicle direct allowed claim {$25000.00} we have made 48 payments see payment history, credit bureau 's not reporting all disputes filed no corrections 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 2021-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -CAPITAL ONE BANK USA NA XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX/DEPT OF ED XXXX  XXXX XXXX/DEPT OF ED XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Had 17 fraudulent charges made to my Chase XXXX XXXX card from XX/XX/XXXX to XX/XX/XXXX for a total of {$1000.00} dollars from a company called XXXX. I cancelled the card and was given a replacement one. Initially they reversed all charges but later reinstated them and told me they were valid charges, which they were not. 

I have never done business with XXXX and never will.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: SANTANDER HOLDINGS USA, INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I made a payment and I was told that I was not in repossession anymore. And they still repossessed it. And they also hooked my car up while I was in it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced on XX/XX/XXXX with XXXX XXXX. Their servicer is XXXX  XXXX XXXX. I made my XX/XX/XXXX payment to the money source on XX/XX/XXXX. Then received a letter that my loan had been transferred to Lakeview/XXXX XXXX as of XX/XX/XXXX. 

Around XX/XX/XXXX I started receiving threatening robo-calls from Lakeview/XXXX stating that my mortgage payment was late and threatening to report to credit bureaus. I set up an online account with Lakeview, and I can see that they have not recorded my XXXX payment that I made in XXXX. They also have my escrow account at {$0.00} even though about {$5000.00} in escrow was paid at closing. 

The robocalls have continued. I can't set up my XXXX payment because it still says XXXX is due and I am afraid if I pay the normal amount, they will try to apply it to their illegal late fees. After I complained, they locked me out of my account permanently and I can't log back in, even after requesting new password, etc. 

On XX/XX/XXXX I tried to reach a human via their automated system. After going through 30 minutes of menus, I reached a point where I could leave a callback number. Two days later, on XX/XX/XXXX they called me back WITH AN AUTOMATED VOICE telling me to go through the automated system again. Finally I reached a human after a lengthy hold. I told her to cease and desist with the illegal debt collection calls because I have paid my mortgage on time. She said the system makes calls automatically and there is nothing she can do. She tried to tell me to make my payment and eventually they would sort out the late charges and apply it to XX/XX/XXXX. I refused until I am provided an accurate statement. She couldn't answer why they have locked me out of my account. I believe it is so I don't have access to the falsified statements that they are providing me and as retaliation because I have already filed a complaint with the Texas Mortgage and Savings department.

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 2022-06-10
Company: Bread Financial Holdings, Inc.
State: TX
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:
To Whom It May Concern : I have attempted to reach Comenity Bank for the last 7 months to dispute the way several accounts are reporting to the credit bureaus XXXX, XXXX, and XXXX. Additionally, I have requested validation of the debts, over the last 7 months, and each month Comenity reports to the bureaus that the debts are reporting correctly. Surprisingly, Comenity is reporting different information, to each bureau, that it is confirming as correct. 

I called Comenity Bank and attempted to speak with a customer service representative about the importance of reporting the first date of delinquency correctly, as that determines when the debt will be removed from my credit file. The representative said, We dont have that information. How can you accurately report something to the credit bureaus if you dont have the information? 

The FCRA requires that a lender that refers an account for collection and notifies a credit reporting agency about this should report the debt 's date of first delinquency to the agency within 90 days. This date of delinquency is the month and year the consumer 's delinquency resulting in the referral began.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
[ THIS IS A RESUBMISSION OF COMPLAINT NO. XXXX, FILED AGAINST XXXX ON XX/XX/XXXX. ] On XX/XX/XXXX, we refinanced a home with USAA ( d.b.a. XXXX XXXX XXXX XXXX ). Because we just today sold the home and pulled out some old paperwork, we realized we were never contacted by USAA after we complained during the closing that we had never obtained a Good Faith Estimate. Thus, when the HUD-1 arrived, we were surprised by some of the numbers. When we told the settlement agent, she advised that we write on the closing  documents that a GFE had not been received, and that she would speak with the lender about it. ( The lender also said we could delay closing but that our rate lock would expire if we did so. ) If there is anything that can be done at the juncture, we would appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX XXXX, my brother 's telephone received the following text. The lady identified herself as XXXX XXXX and left a voice message sounding as if I was in big trouble and committed a crime, so I called the number XXXX XXXX XXXX and a man answered with Hi this is XXXX. I asked who he was, he said XXXX XXXX with XXXX or something, then he said Civil Arbitration something, I was nervous. He went thru a spill about me, that I had a Fifth 3rd bank account go overdrawn, it was back in XXXX. And how I could be charged with fraud and gave me several options. Again I was nervous so I ended up giving my credit card number and agreed to pay {$100.00} a month until paid in full. After the call I spoke with Fifth Third Bank, the lady said this did not sound right to her, a lawyer and he suggested canceling the card as did a few other people. I canceled the card, Then they sent me the XXXX Payment Email, So I did. Today I contacted CFPB. Thanks for being there! 

Text we received minus our names, New Voicemail Message from Unknown Number " Hello this message is solely intended for. My name is XXXX XXXX I'm contacting you in regards to a service of your legal documentation that I have received from you in my office. I'm contacting you in regards to the service of your legal documentation that I have received for you in my office. I have been schedule to make an appearance to either your residence or place of employment tomorrow XX/XX/XXXX between XXXX and XXXX XXXX. If I'm unable to get a signature on your documentation it will be recorded as a direct refusal to comply on your behalf in the process will continue without you being that this-is (? ) a time sensitive matter that is .... '' - XXXX Mailbox has a new voice message from Unknown Caller ( Unknown Number ). 
Length : 66 seconds Received on : XX/XX/XXXX XXXX ( EDT )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: BARCLAYS BANK DELAWARE
State: TX
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:
My credit card company arbitrarily duplicated many of the monthly payments I made on my account but has failed to reflect any of the extra payments that were made on my account and continue to not show these credits to my account for all of these extra payments. It is nearly 2 years worth of extra payments and almost every month. A total of over {$6000.00} dollars of payments they continue to fail to reflect on my account. I have documentation of all payments taken from my bank account and I even have copies of all payments using the credit card companys online history. Even with al of this, they still have failed to issue the credits for all of the payments that were made and reflect them on my credit card 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 2022-06-10
Company: EQUIFAX, INC.
State: NY
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account ending in # XXXX, Account number ending in XXXX 15 U.SC 1681 section 602 A States I have the right to privacy 15 U. S.C section A Section 2 : It also state a consumer reporting can not furnish a account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CAPITAL ONE BANK  # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My name is XXXX XXXX. There was a fraudulent charge put on my credit card for {$2400.00} on X/XX/2013. Credit Card # XXXX XXXX XXXX XXXX, my social security # XXXX XXXX XXXX. I have been fighting with Wells Fargo to remove the charge for years and they remove the charge and put it back on the next month without telling me. The name of the company is called XXXX XXXX XXXX and they have been prosecuted for falsely putting charges on peoples credit cards without permission. XXXX XXXX has something to do with timeshares I dont even own a timeshare. Every time I call wells fargo they make pass me around to different departments for 2 hours. Every time I call it is a 2 hour phone call. The last time I called they thought put me on hold but I could hear them talking and they said said " just tell her we are going to remove the charge and started laughing hysterically. When they got back on the phone I told them I could hear them and they hung up on me. Please help me. I am supposed to be protected from unauthorized charges with the credit card company.

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 2017-10-17
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX : Called the 4th time and I returned the call in which I asked for the XXXX guy who keeps reaching out to XXXX XXXX. I did n't reach him, but I explained this was n't the person number they were looking for and to drop the number. They said it will be taken care of. 

XX/XX/XXXX : Call after the 5th time and I tried to reach out to the company through the directory and that number does not allow me to talk to a representative anymore, it just disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: JPMORGAN CHASE & CO.
State: CO
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:
Chase First Card allowed XXXX XXXX XXXX XXXX to charge to my credit card an additional {$780.00}, four months after my stay there, without my authorization. The dispute revolves around points used to stay at the hotel that the hotel said was sufficient at checkout but four months later negated that agreement. I have attempted resolution with Chase twice. I never authorized the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: NY
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Account # XXXX Experian/ 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16815-2 ( A ) ( 1 ) 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. XXXX XXXX states i have had a card since XXXX  but the experian/ XXXX reports only reflects XXXX. XXXX XXXX  Account is passed the statute of limitations of the New York State Consumer credit fairness act, Section 214-i line 23 prohibits revival of debts arising from consumer credit transactions. the three-year limitations period has expires. XXXX XXXX/ bureaus erroneously report that the account is still active illegally restarted removal timeline after settlement.

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 2022-06-10
Company: EQUIFAX, INC.
State: NY
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Account # XXXX XXXX/ Equifax 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16815-2 ( A ) ( 1 ) 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. XXXX XXXX states i have had a card since XXXX  but the XXXX Equifax reports only reflects XXXX. XXXX XXXX Account is passed the statute of limitations of the New York State Consumer credit fairness act, Section 214-i line 23 prohibits revival of debts arising from consumer credit transactions. the three-year limitations period has expires. XXXX XXXX/ bureaus erroneously report that the account is still active illegally restarted removal timeline after settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 XXXX is reporting two lates in XX/XX/2016 and XX/XX/2016 that I should not have. I never received any statements or notification about these lates, I always make my payments on time and when I did finally find out about the lates I paid them immediately. I don't know why my account was late these times and would appreciate them being removed.

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 2022-06-10
Company: Incomm Holdings Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
We had a gift card worth of {$75.00} from Vanilla visa debit card service We have not purchased anything and the card balance is now {$0.00} It is a bogus transaction and would like to dispute the card service Vanilla

Company response to consumer: Closed with explanation