BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Reported errors for over 2yrs, using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple disputes ( over 10 ) to fix this and nothing happened, i asked for the accounts to be deleted but they simply updated some items and left the entries on my report..as of this date/ they are still not accurate * the credit bureaus are required to report only 100 % accurate information and they have violated FCRA and the creditor has supplied incorrect information for years and verified it as accurate each time it was disputed, everything from dates to balance to payment history has been different in each reporting to the bureaus but came back verified each time it was disputed

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 2017-06-14
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
i 've asked how many days in the billing cycle ending  XXXX   XXXX  ( this would be  XXXX   )  you said they vary..i know this tell me exactly how many days in the billing cycle  XXXX    XXXX    XXXX    XXXX   how much applied to interest ... how much applied to principal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX PHOENIX FINANCIAL SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PHOENIX FINANCIAL SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case XXXX XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted the debt company over a year ago to find out what they were trying to collect on and they said it was Care credit which I paid back in  XXXX  or  XXXX . I contacted care credit and they said I had a  XXXX  balance and I said I needed paperwork from them for proof for the debt collector. I never received it and eventually moved. I never heard from the debt collector again so I figured it was squared away, but it 's still showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
In XX/XX/2019, I was double-charged {$110.00} for the annual renewal for my XXXX XXXX XXXX. I filed a " Disputed Charge '' with Bank of America ( my credit card provider ), but they refused to refund the {$110.00} to me. In addition to that, BOA added a {$25.00} " Service Fee '', and because I refuse to pay this negligent charge, they have added {$25.00} to my credit card bill every month. I received a letter from a XXXX XXXX from BOA ( her number is XXXX x XXXX ) telling me that she will review the matter. I have tried calling her at BOA to resolve this, but she does not answer her phone, nor did she return my many voice messages. It is obvious that BOA has no real desire to handle this issue, nor do they have any real concern for customer service. I have tried to get the XXXX  involved, but their authority is very limited. Therefore, I am seeking assistance from you in the hopes that BOA will respond in an ethical 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 monetary relief
Consumer complaint received 2017-06-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
-XX/XX/XXXX I bought a used XXXX XXXX XXXX from XXXX XXXX in XXXX MI -I made all payments on time via automatic bank withdrawal from my XXXX XXXX XXXX. -XX/XX/XXXX I traded the XXXX in at XXXX XXXX XXXX XXXX XXXX MI -XX/XX/XXXX I received a letter from Nissan Motor Acceptance thanking me for financing and affirming that my " contract obligation has been satisfied. '' XX/XX/XXXX I received a letter from Nissan Motor Acceptance saying I still owed them money. I called the 800 on the bill and spoke with XXXX who threatened me with an even larger bill if I did not pay the one they sent me. I refused and called XXXX XXXX to make sure the loan had been paid off. They assured me it had and that Nissan 's records must be in error. -From that date forward, I kept getting letters as well as threatening phone calls. I have dates and names of those I spoke with. -It has been continuous even though I threatened them with legal action, but they have continued to harass me and now I find that they have also falsely registered this as a current delinquent amount on my credit report EVEN though they have marked it closed and paid. They have harassed me and turned me over to collectors who have harassed me with early morning calls, etc. -I have all necessary documentation to support this, and I want them to cease and I want to sue them for harassment and for damaging my pristine credit history. -This has been ridiculous!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: PA
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/1202 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: CAINE & WEINER COMPANY, 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: Information belongs to someone else

Complaint:
Account is included in Chaper XXXX  bankruptcy case number XXXX in the XXXX XXXX  of Michigan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ftc violations : sent police report 3 years ago people out there doing bad things with my information the address claim caused XXXX XXXX XXXX XXXX to be late that goes against fair bill act not sending payment to the correct location is against the law to report without giving a fair chance to pay debt. Also XXXX XXXX, XXXX  XXXX account it's law What is covered under the Fair Credit Billing Act? 
The FCBA allows you to dispute charges and temporarily withhold payment without hurting your credit score. If you've been charged for a product or a service by mistake or were overcharged on a recent purchase on your credit card, a decades-old law called the Fair Credit Billing Act can step in to help. 


sorry respect XXXX XXXX XXXX bless

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/2022, I initiated an " INSTANT DEPOSIT '' from my XXXX  TO my PNC JOINT Checking account, in the amount of {$86.00}. 

Between XXXX and PNC, I'm NOT getting ANY REAL answers or satisfactory resolutions. PNC on Saturday DID acknowledge an " issue '' with " 3rd Party payment applications platforms '' ; or some convenient XXXX like that. The issue was SUPPOSED to have been " resolved '' by now, and the FUNDS CREDITED. Really? I'm seeing NOTHING to that effect AT ALL. 

So the question is, WHERE IS THAT MONEY, and WHEN will it be CREDITED to our account? 

SOMEONE SOMEWHERE has that money, I'm convinced. 

Now, our checking account is running in the NEGATIVE, and one recurring debit card bill payment was DECLINED just TODAY for " insufficient funds ''. This would NOT have happened had that money been TIMELY CREDITED to our account. So what now? We have to incur FEES for insufficient funds when this issue is clearly NOT mine nor my husband 's FAULT?! We DON'T THINK SO! 

FIND THE MONEY AND CREDIT the same, PERIOD!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: MO
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 will not allow me to dispute inaccurate credit information by not allowing me to log in. They keep replying that my password is incorrect even after I am allowed to go through their Forgotten Password protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 will not allow me to dispute inaccurate credit information by not allowing me to log in. They keep replying that my password is incorrect even after I am allowed to go through their Forgotten Password protocol.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: JPMORGAN CHASE & CO.
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: Other problem

Complaint:
In regards to XXXX & Chase Card Services : Can someone tell me what's the point of having this company as travel insurance? From my understanding the point of travel insurance is to protect a travel purchase/investment from an unforeseen issue. Well if that's the case please ditch this company and find someone more reliable who will step in and actually pay you back your lost investment when things get messy or out of hand between other vendors and third parties.This is an absolute scam, a disservice to the customers they're supposedly serving, and puts the insurance industry in a more negative light than it already is in. 

I advised on XXXX / XXXX XXXX XXXX about a trip cancellation request in regards to a medical issue and proceeded as expected : I uploaded medical documents, made notations of my fare, and provided all necessary correspondence between the travel agent ( FlightsMojo ) and the common carrier ( SQ ). XXXX then suggested I reach out to both the airline and travel agent and request what documentation is needed. Both parties said differing statements and both can hardly speak a lick of English. And why am I reaching out? I'M LITERALLY DOING YOUR WORK FOR YOU. THIS IS YOUR JOB NOT MINE! 

The problem only got much worse when XXXX repeatedly asked for an updated medical document from my physician 's office to which I complied. And then they asked for an updated medical document with a fancy signature and a stamp ... and another one with nicer handwriting.. to the point where they were just beating around the bush to hope the situation drops. It's clear to see they  don't want to comply with the situation because they would be losing money on the ticket sale hence the repeated use of asking for new medical documentation. 

XXXX 's clause of " Did you attempt to reach out for refunds or credits? '' is an absolute joke because clearly I did and have provided the documents ad nauseum but the third party here is avoiding the situation to not lose their profit. This travel insurer should've stepped in and solved the issue directly by providing a refund for the airfare based on the travel agent 's reluctance to cooperate given the excessive requests. When the claims examiner makes useless statements like " ... after all sir we are just a secondary travel insurance provider and there's nothing we can really do '' is an insult equivalent to rubbing salt in the wound. Way to be more of the problem than the solution. 


If you have XXXX with your Visa XXXX or other travel based credit card please stay away from using this insurer. I was super optimistic about this perk with my Chase Sapphire Reserve but  now have found it to be absolutely worthless. I've heard the insurance on XXXX XXXX is better but I'll have to see for myself. This company is without a doubt useless and scammy and is in dire need a class action lawsuit against them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently applied to a Capital One XXXX XXXX credit card. I received a letter that I was denied due to active credit limits, which makes absolutely no sense. I have a XXXX credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I am planning on traveling and I believed Capital One XXXX is the right choice for myself. I have credit cards with them for Business and as a loyal customer to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry and they can reconsider. I would be happy with the credit card for its travel perks and wanted to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I demand a response and a resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSWORLD SYSTEMS INC
State: AR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ILLINOIS XXXX XXXX XXXX AND XXXX XXXX LOAN TO TSI FOR COLLECTIONS. THE DATE WAS AFTER XXXX. XXXX XXXX XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: ALLY FINANCIAL INC.
State: MS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Purchased a   XXXX    XXXX   XXXX . Went through a divorce. I could n't pay thet the amount of  XXXX  a month on  XXXX  income. They repo the vehicle, sold it a a auction ( which they sold it for way less than what we owed. Now, Ally financial recovery asset wants me to pay  XXXX . What a joke.

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 2017-06-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Approved for trial payment in 2016 with XXXX XXXX stated not to make payments while on trial. at the end of the trial XXXX sold loan to Carrington. Carrington is now charging me for 6-8 month of payments while the loan was with BOA. Carrington is currently holding all my payments in escrow with no resolution. Carrington has sent me intent to foreclose letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I had paid off my Nordstrom account in    2014  at the  XXXX   XXXX  located at  XXXX , Virginia. After several months had past  Nordstrom  closed my account for none payment. I continue to call their Credit Department to resolve this matter. I had went back to  Nordstrom  at the  XXXX   XXXX  in  XXXX , Virginia and had several conversation with the Customer Servi ce Manager regarding my previous payment. I give them my Nordstrom credit card and my receipt of payment. At that time the manager stated did I give the Cashier my credit card when I made my payment and I stated yes. They continue to call the credit department and compare my receipt with my Nordstrom  credit card. After a timely investigation they discovered my payment was applied to someone 's account. The credit department apologized over and over again and stated that they will be transferring the money back to my account and any fee 's or delinquencies will be adjusted. At this present time I have never seen any transfer 's back to my account,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: FL
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:
Ive asked the XXXX, XXXX, Equifax, and XXXX Nexus to Verify who is the " Original Creditor '' of the " Alleged '' Debts on My Report. They have not done a proper investigation over the last 4 years of me disputing the companies. I have been denied for Buissness and personal funding. Under 15 USC 1681-1681c. 15 USC 1692j. All 4 Credit Reporting comapanies contain inaccurate alleged debts with all different information. No proper investigation, BY LAW, was never done. 15 USC 1681a- 168XXXX. 


Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Ive asked the Transunion, XXXX, XXXX, and XXXX XXXX  to Verify who is the " Original Creditor '' of the " Alleged '' Debts on My Report. They have not done a proper investigation over the last 4 years of me disputing the companies. I have been denied for Buissness and personal funding. Under 15 USC 1681-1681c. 15 USC 1692j. All 4 Credit Reporting comapanies contain inaccurate alleged debts with all different information. No proper investigation, BY LAW, was never done. 15 USC 1681a- 1681r.

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 non-monetary relief
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: NJ
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 notified Experian that I am a victim of identity theft and in return they told me I am a credit repair company and did not fix the errors on my credit report. this is my second 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 explanation