BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account listed is not my account please remove asap XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have had a fraud alert on my credit report for years. I keep getting at least 10-15 calls from payday loan places, vacation spots, installment loans and a host of other annoying calls and hen my credit monitoring services have been going off for a week. I have not applied to ANY of these places but they are hitting my credit report and my score keeps going further down. If I was to apply for something, I would not be eligible because of all the inquiries and I didnt approve any of these. I need these inquires 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 2022-07-16
Company: BOK FINANCIAL CORP
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or missing disclosures

Complaint:
I received the check from my Mortgage after I sold the property. And they send me refund under my legal name on the check. Also my girlfriend and my aunt name. But there no longer living in Colorado after I sold the house. However I deposit the check into my account. And bank manager or banker was saying me bring other 2 people. But I explain to bank there not in Colorado anymore. But you have already verified my driver license name on the check. And it is match. However bank is not released the check. So I requested the bank. Can you return the check. And bank said no were not able to return. So I said this is not correct. Even I m presenting myself. So And verify. And still not released or retuning the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
CCS Collections at XXXX XXXX XXXX, XXXX MA XXXX has been sending me collection notices in the amount of {$84.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/2021 I was incarcerated I had XXXX on my debit cards and one of my debit cards were activated the other one wasn't activated but it had the money deposit on there and someone use my card they activated the card and everything without my permission spent all the money I tried to go through with them show them my bell paperwork I also them show them that I did 6 months in the county jail during the time that the money was being spent and that it was no way that I could spend it so I try to do a claim and they kept denying me kept deny me so I was wondering if there's anything that you guys can do to help me I got your stuff offline it came to my phone yes thank you may XXXX bless 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 2017-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
SUB - I want Creditors/Banks and credit bureaus to consider my case and remove all the derogatory statuses from my credit report that got reported from XX/XX/XXXX. 

Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. 
One of the company named " XXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors. ( The payment includes the total Credit Debt $ + Lower interest rate ). 
I was asked NOT TO PAY a single Penny to credit card companies from the day XXXX signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying XXXX $ + to this company every month fromXX/XX/XXXX. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved. 
XXXX XXXX XXXX For all this time as the company " XXXX XXXX XXXX XXXX never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made.

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 2018-06-01
Company: Velocity Portfolio Group
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
- I opened a loan with XXXX in XX/XX/XXXX o Encountered financial hardship Fall XX/XX/XXXX due to rental property sale falling through / loss of tenant income had to remarket the property. 
o I contacted XXXX via phone in XX/XX/XXXX ( while still current ) requesting an extension. The rep advised there were no option available & to call back once the loan went delinquent. 
- Loan charged off XX/XX/XXXX, Prosper sold the loan to Velocity Investments , LLC - XX/XX/XXXX I was contacted by XXXX XXXX, on behalf of Velocity Investments , LLC. We agreed on a settlement, which I fully satisfied by XX/XX/XXXX as agreed - XXXX  continues to report my account as Charged Off / Account Sold Transferred on all 3 major credit bureau reports o I disputed through XXXX, XXXX, and XXXX  results have come back with no changes to the reporting, despite the fact I paid the account in full via settlement. 
- XX/XX/XXXX I called the creditors XXXX # as listed on my XXXX credit report, explained the situation, thinking I was speaking with XXXX. Agent transferred the call & new agent said I was speaking with XXXX a company Id never heard of. That agent informed me that XXXX sold the loan to XXXX we outsource to a number of companies to assist with collection. I asked, What about Velocity Investments , LLC?, to which she replied, Oh, theyre probably one of our affiliates. 

I have satisfied this debt in full, yet XXXX continues to report the account as 'charged off ' to all 3 major credit bureaus - no entity will take responsibility for updating my credit report to reflect the account as paid with no remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Experian Information Solutions Inc.
State: MA
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 mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. This is willful disregard of the FCRA.

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 2022-02-18
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:
I've been disputing these incorrect items on my account for a long time, and the three credit bureaus and the creditor have yet to respond. On XX/XX/2022, I submitted a new dispute with the three agencies regarding various wrong items. Still, I had received no response after a month, and they refused to delete the inaccuracies from my credit report. These faulty items are still trying to collect the following amounts from me : {$640.00}, {$1300.00}, {$740.00}, {$730.00}, {$1300.00} in an inexact manner.

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 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
There was a XXXX credit credit card fraudulently opened in my name XXXX XXXX due to identity theft and they charged up {$3700.00} and have tried several times to have this removed from my credit report with all three major reporting agencies as well with the merchant. They refuse to remove this 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 non-monetary relief
Consumer complaint received 2022-07-16
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
Hello, Thanks for this opportunity. I have paid the balances on my credit cards but it's still showing the previous balance thereby causing damage to my credit history. The purpose of paying off my debts is to have a good credit scores and that's not happening. 

Please, help me out. 

Thanks 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 2017-09-05
Company: IQOR US INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Recently moved and received new land line phone number approximately one month ago. Allied Interstate ( according to my Internet research, this is a debt collection agency ) calls almost every weekday for several weeks ( from one to four times a day ; my phone keeps a record of each call for the last 2-week period ; see attachments for screenshots ). I assume that they are seeking to speak with the prior owner of my new phone number. I picked up one call and asked for the name of the caller and purpose of the call. The caller identified himself as XXXX XXXX and refused to provide the purpose of the call indicating that it " was against the law '' to provide such information. He insisted on obtaining information from me. I refused. Calls continued to come, unabated. The company is calling from phone number : 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 2020-10-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My sister passed away in XX/XX/XXXX without a will. I went to XXXX  ( I live in XXXX  XXXX and gathered all of her documents ( I had a POA ) and went to the local Chase bank to inquire about some discrepancies on her account. They were extremely rude and told me to report any suspicious activity to the local police, which I did. Long story short, I finally got that resolved after months of making calls and basically being given the run around. I then decided to close her accounts but was told I needed an attorney to do so. I hired a XXXX  attorney who got me the necessary authorization which I took to the bank, along with her death certificate, but was told I needed to wait 5 months to closed her account in case Social Security had overpaid me. That XXXX months would have been in XX/XX/XXXX. I started contacting Chase in XXXX, who never returned my calls, the local branches were closed, and after numerous attempts, was put in touch with the decedent department. I was told I needed to send a letter requesting that the account be closed, which I did the same day. Allowing them time, I called back 30 days later and was told the letter was never received, that I needed to resend it. I asked to speak to a supervisor, who, after much delay, admitted they did have the letter, but needed more time to process it. Fast forward another 30 days, I called back and was told that I needed to send a copy of the death certificate and court documents. I asked why I wasn't told this the first five times I spoke with them, and they couldn't give me a straight answer. I then told them that the paperwork they required was given to Chase and I personally watched them scan it in at a local branch. Again, no record. Next call - same scenario - but this time told them how I had been treated and advised them I was making a complain against them. Suddenly, the paperwork was found and they advised they would expedite the processing. This was a week ago, No calls, no emails, nothing. I have never had such a frustrating experience with a bank, especially dealing with people who showed such disrespect and lack of compassion. It has now been over a year and half since I lost my sister, and I am still dealing with these clowns. I can not describe the grief they have caused me - this is just the latest. I could write a book about the discrepancies in charges and what I had to go through to get that resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Constant fraudulent inquiries keeps showing up on my reports, i have tried to get them off and the companies and consumer credit agencies refuses to correct them no matter what i do. 

Transunion have an inquiry from XX/XX/2020 from XXXX to. I have contacted them both and up to now its still there

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 2017-09-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was offered a Care Credit card while trying to pay for my dog 's emergency XXXX XXXX on XX/XX/XXXX. The total amount was {$6900.00}. I was told by the vet that the card would have 0 % interest for the first year, then interest kicking in after that. I was not informed that once the promotion ended ( ending XX/XX/XXXX ), I would retroactively be charged the the full amount of interest on the principle at a ludicrous rate of 26.99 %. Because I am eco conscious, I signed up for e-billing. I never once received an email from them regarding my promo period ending and what would actually happen. Additionally, they claim that every time I visited the site, I would be informed that my promo period would be coming to an end soon. This is incorrect. 

When I attempted to resolve this ( XXXX/XXXX/XXXX ) I was rebuffed and told that there was nothing they could do to reduce the payment. After paying {$220.00} a month for the last year ( total of {$2600.00} ), my current bill is {$6500.00}, which means that I have in essence paid off {$400.00} of my bill at the cost of {$2600.00}. This would seemly qualify as usury - this company preys on people who are trying to save their pets lives, and the vets issuing these cards do not explain what actually happens when the promotional period ends, they just ask you to sign the contract immediately, while your animal 's life hangs in the balance. I even offered to pay off the entire principle today with a reduced interest rate and they claimed that they could not help me. These are predatory loans, offered to people under emotional duress, without full disclosure.

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 2017-09-05
Company: General Motors Financial Company, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX 2017, I purchased a car from XXXX XXXX which resulted in receiving two hard inquiries on my credit report. One from GM financial and the other from XXXX XXXX. However, I noticed a month later that XXXX is showing a second hard inquiry from GM Financial on XX/XX/XXXX2017. I contacted GM Financial and after several hours of speaking to numerous reps, I was told that this inquiry was never done by them and that I would need to contact XXXX. I contacted XXXX and was told to get a letter from GM financial in order to remove this inquiry. This is complete fraud and I have become a victim of inaccurate reporting. GM financial will not send me a letter Because they 're saying they did n't request my credit report on that date. XXXX is not removing the inquiry stating that I need a letter from GM Fianncial. Their next excuse to not remove the inquiry is that more than 1 hard inquiry reported within 30 days for an auto mobile does n't effect my credit score. This is complete fraud. I want the hard inquiry from GM financial on XXXX XXXX 2017 to be removed right away from my credit report whether it affects me or not. Under FCRA, I should be protected from being punished for something I did n't do. No other credit reporting agency is showing this hard inquiry. I need your help to have this inquiry removed as I have worked so hard to keep my credit report clean. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have hundreds of dollars of charges on my credit card from Venmo ( a digital wallet company ). I had never heard of Venmo. The charges are not mine. 

I called Venmo at XXXX XXXX XXXX XXXX. They would not help me at all, and said I should contact my credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I obtained my credit report online. There was a U S Bankruptcy Court item listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, the must remove said information from the consumer credit file. 
The US Bankruptcy Court does not provide information to credit reporting agencies, no do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or third party providers who collect information regarding public cases from public records. Public records information is never validated by the Recorder of Deeds nor the U S court system due to the Fair Credit Reporting Agency Privacy Law. 
They further stated while they are not liable or responsible for any misuse or incorrect pulbic records, nor the distribution of said information, public records may, and often times are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I initially submitted my documents for XXXX in XXXX. I called in the interim ( wait time of over XXXX minutes ) and at that time was given no information other than they had not reached my application ( this was around XXXX ). I was notified in late XXXX that additional information was needed and could be uploaded to the website. Which I did within a weeks time. I've called since ( early XXXX ) and was on hold for almost XXXX hours and had to get off because I had an appointment. I am afraid that my account will be transferred to XXXX and the work and effort I put in with Fedloan will start all over again. I do not want this outcome. I want an updated account of where I am as I've had a number of years of XXXX XXXXXXXX XXXX that was never counted by Fedloan.

Company response to consumer: Closed with explanation