BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX XXXX has been on my account since XX/XX/XXXX with false amounts of {$2400.00}, {$2700.00}, {$1300.00}. 

Us Dept of Education been on my account since XX/XX/XXXX with false amount 's of {$1300.00} on my report two times XXXX XXXX XXXX   system has been on my report since XXXX/XXXX/XXXX false amounts of {$7000.00} i never in my life made any payments on these loans, they were supposed to remove off my report and have not removed .They have multiple accounts on my report and have not removed any accounts have ignored my request, i want the accounts 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 2020-08-06
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that they have on file that were used to verify the accounts I disputed. Being that 30 days have passed and they can not verify or validate these accounts, under Section 611 ( 5 ) ( A ) of FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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 2020-08-06
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 belongs to someone else

Complaint:
I am sick of Experian and dealing with their incompetent representatives and asinine online portal. Every time I upload documents on www.experian.com/upload website and call Experian to verify documents, they always state that the documents are not viewable. I have even paid for certified mail to be delivered to Experian address so that they can remove and block these fraudulent account. 

I do believe that Experian is lying and are not taken my fraudulent claim serious. I have been dealing with Experian regarding these fraudulent accounts for over a month now and nothing has been done to remove these fraudulent accounts. These fraudulent accounts do not reflect my credit worthiness and also caused me to lose out great job opportunities. 

Since we are living in a world where Covid caused a lot of people to lose their job and can not provide for their family. I am XXXX that Experian is not taken my fraud claim serious. I am requesting for these following fraudulent accounts to be removed and blocked immediately due to identity theft : 1. XXXX XXXX XXXX  XXXX Account # : XXXX Balance : {$6800.00} 2. XXXX XXXXXXXX XXXX Account # : XXXX Balance : {$580.00} 3. XXXX XXXX XXXX Account # : XXXX Balance : {$8600.00} 4. XXXX XXXX XXXX Account # : XXXX Balance : {$28000.00} 5. XXXX XXXX Account # XXXX Balance : {$3700.00} 6. XXXX XXXX Account # : XXXX Balance : {$3700.00}

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 explanation
Consumer complaint received 2022-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
XXXX and XXXX is keep reporting inaccurate accounts on my credit report. I'd try calling the them, but the agents keep being rude and unprofessional. These are some dates and amounts. 
Capitol One Auto XX/XX/2021 {$15000.00} Capital one Bank XX/XX/2021 {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MEDICREDIT INC has continued to use tactics to contact me after receiving a cease and desist. This company is stating I owe a debt that is not mine. MEDICREDIT INC has failed to validate this alleged debt within 30 days. This company continues to send me mail stating they are debt collectors and they are attempting to collect this alleged debt that I do not owe. This company failed to heed my cease and desist. This company has violated so many federal laws despite my efforts to cease communication. They are cause distress to me by contacting me. MEDICREDIT is a debt collection agency that purchases debt from other companies. This company is practicing unfair and unlawful. The refuse to respect my consumer rights and privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Paypal banned my account last XXXX XXXX. I complain the legal agreement to permanently limited my account i don't know the reason and ask the costumer service always say i have a violation to the agreement the auto bot always say that no exactly why my account have violation.My account just only received payment for the services please help me to unbanned my account to paypal thank you in advance to helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: FIRST NATIONAL BANK OF OMAHA
State: IN
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:
Goo day, In regards to my credit an error has been created due to XXXX XXXX  credit reporting or FNB bank of Omaha. 

On the XXXX of XX/XX/2020 my credit report was correct. On the XXXX of XXXX my credit report showed from FNB bank an account that my account was closed and a new account opened with no activity on it. 

That error dropped my score 115 points. 
Previously I paid off accounts and paying on accounts to establish my credit worthiness. 

The errors are now taken off my credit report but my score is still down 100 or more points. This issue is effecting me due to someone error. XXXX XXXX b lame FNB and FNB blamed XXXX  for this error. 

Attached are documents to reference my claim. Please can someone assist me in this issue.

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 2015-12-11
Company: ALLY FINANCIAL INC.
State: IN
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I was late for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the late fees are {$87.00} dollars per month. In XX/XX/XXXX I paid the balance and paid extra I have not been late since. The late fee was still showing in XX/XX/XXXX and I called and they said they would apply the over payment to the late fee. Why is the late fee still on my account? Why would n't it ever be applied to my account unless I call. Why are the late fees so much money? Why do I still owe my regular monthly car payment when I keep paying extra? The late fees are excessive and the way you have to call and waste time calling them to get your money applied to the late fee is ridiculous. Ally Auto Finance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Transaction issue

Complaint:
My identity from my bank account had been jeopardized causing issues of payments. I do believe somehow information was used for some else purchasing unauthorized transactions

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 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
They took my {$80.00} and expect for XXXX mothers to accept and move on with their lives, this is unfair. refund me my {$80.00}. I got denied and it is all a game on how we as XXXX get treated

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 2020-01-06
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XX/XX/XXXX, an associate deposited XXXX XXXX XXXX dollar checks to my and my wife 's joint checking account at a Chase Bank. The checks where issued by XXXX XXXX in XXXX, through XXXX XXXX, and brought to the U.S. by my associate. 
The checks appeared in our account with a " hold '' that expires XXXX XX/XX/XXXX. 
I understood that the funds had to be held until they cleared, but when I tried to deposit a personal check, using on-line checking, I was not permitted to make any deposit or transfer any funds from my Chase savings account. 
I contacted Chase and eventually I was connected with the fraud department. They told me that the five checks were " suspicious '' and were being " held '', and they had a " high probability of being returned ''. I told them that I could see on-line that {$5000.00} was being held, but I should not be barred from making deposits, or transferring into my checking account from my savings account. I was also worried that automatic deposits or payments would not be allowed. 
The Chase representative then told me that my accounts were " restricted '' and could not be used until the checks were " returned '' around XXXX XX/XX/XXXX, and that I would have to go to a Chase bank in person to " clear '' the " restriction ''. 
I traveled to a Chase bank outlet and talked with a banker who called the fraud department, and was told the same story, that I could not use our accounts until the " checks were returned '' My accounts still show " available balance '' {$5000.00} less than the " present balance '', and will not allow me to make any transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I aquirred a new citi bank credit card from costco on XXXX/XXXX/16, the card did not work due to costco issuing me a new card in XX/XX/XXXX & changed my costco acct. # & not putting the new # on my new credit card. I went to costco & fixed the problem, I tried to contact citibank on XXXX/XXXX/16 & was hung up on 3 times, then put on hold for 48 mins. XXXX/XXXX/16 tried to call ( XXXX ) again to resolve my problem waited 85 mins on hold., I finally hung up. I finally spoke to a live person on XXXX/XXXX/16 to have new cards with my new acct. #. My cards arrived on XXXX/XXXX/16, but my card was duplicated, & my wifes card was not sent. I called cust serv again & only waited 33 mins for a mgr. to finally resolve my issue. Why does the customer have to go this circus just to get citibank problems resolved. I sent this same letter to cust serv, all I got was a SORRY, but they keep charging that interest charge with pathetic customer service.

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 2020-08-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO THOSE TRANSACTIONS AND I AM REQUESTING IMMEDIATE REMOVAL OF ALL THE DISPUTED ACCOUNTS ON THE REPORT. PLEASE REMOVE THE DISPUTED ACCOUNTS IMMEDIATELY FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT FILE AND SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY DISMISSED XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2016-07-28
Company: KEYCORP
State: FL
Product: Consumer Loan
Sub-product: Title loan
Issue: Can't contact lender

Complaint:
I had filed a complaint against Key Bank XXXX XXXX Ohio. I sent it to The Federal reserve. They said to contact this branch. We have a boat we are trying to sell, We had a deposit on it in XXXX, we tried numerous times to contact them. We where behind XXXX or two months on payments, they would call us, but trying to get to someone who knew what was suppose to be done is clueless. The sale fell through, the buyer did n't want to wait any longer. We had it sold for {$28000.00}. Well now we have someone else gave the broker a deposit, he offered XXXX. Again with this bank, the buyer wants to get a title they say it takes XXXX90 days for the funds to clear. We are near losing this sale. We have lost our farm and instead of having the bank take the boat back we are trying to make payments. Well now that we filed a complaint against the bank a women who 's name is XXXX, said she would not talk to us, whatever they are going to do will be in writing. Is this ridiculous or what, this is why this country is in the shape it is in. So what do we do now, the bank, will not talk to us, the buyer wants to buy the boat. I have never in my life dealt with a stupid bank, none of the departments knows what the other is doing. What so I guess we wait and loose another sale. All the buyer wants is a bill of sale. In XXXX or 10 days. I thought this would be done, but since I contacted this agency and XXXX they will not talk to us. I want someone to know we are not wealthy but just would like someone in that bank make it right. So now we wait till a different department sends us a letter and we have no idea how long that will take. The bank did ok a short sale on this boat, but as I said it took the lose of XXXX sale and maybe the loss of another.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I was never served for a lawsuit from this law firm. This judgment is a complete illegal attempt to collect a debt and my right to defend it were avoided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX/DOFED XXXX XXXX/DOFED 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 2020-08-06
Company: EQUIFAX, INC.
State: MO
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:
Equifax, XXXX  and XXXX  is not following the rules of the Fair Credit Reporting Act. I disputed 4 accounts on my credit reporting XX/XX/2020. In my response from the credit bureaus through CFPB it stated that they require more time to investigate. This is now XX/XX/2020. That's too long for investigation or to receive verification of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Having XXXX XXXX as my loan officer was the worst thing that could have happened to me during this entire experience as a first time homebuyer. 

He gave me a closing date of XX/XX/XXXX. Throughout out entire correspondence he was constantly needing new things from me - letters, paperwork, forms. Each time I gave him what he needed as soon as the next day. Then I wouldn't hear from him for days. My attorney tried to reach him, my realtor tried to reach him, at one point, the seller was threatening to cancel my contract because XXXX was not timely in sending my loan papers to them. When I would get a hold of him, it would be more things that he needed, all of which could have been done and provided weeks before coming up to the closing date. Not once throughout this process did he tell me the truth that the closing date was going to be delayed. So I scheduled movers, I packed my entire life in boxes, I scheduled XXXX to transfer my internet, I informed my roommate that she would be able to move in the coming weekend. Come the day before closing, surprise surprise, he's not ready to close. And there's more paperwork that needs to be done AND a 3 hour homebuyers course that he forgot to send me. 

I'm absolutely LIVID and STRESSED because this man doesn't have it together. I've done everything he's asked of me and I'm now dealing with the consequences of his inability to do his job. Now I need to ask my landlord if I can stay and pay for an extra month 's rent. He's inattentive, slow, and unapologetic- pretty rude too. He blames it on the underwriter, the process, me. He's not transparent as I'm still waiting to hear from him a new closing date. He tells me he'll call me back - doesn't happen unless you call him first. 

If it wasn't for this grant I was getting and how far in the loan process I am in already, I'd fire him and stick with XXXX XXXX. This man has royally XXXX me over and I know he's getting a commission from my loan that he absolutely does not deserve. 

Do NOT get a loan with XXXX or XXXX XXXX XXXX for that matter unless you like ripping out your own hair.

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 2020-08-06
Company: Affiliates Management Company
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
During a routine credit application, I learned that there is an outstanding default judgment from XXXX in XXXX in the amount of {$4200.00} filed by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I did not live in XXXX XXXX in XXXX. I moved to XXXX XXXX in XXXX and sold the house in XXXX XXXX. 
The lawsuit shows service performed at my old XXXX address, four years after I moved away. I was never served, never given a chance to respond to suit, and never made aware there was a default judgment. Now this is harming my ability to get credit. XXXX XXXX claims to have no knowledge of who holds this default judgment and XXXX XXXX XXXX was purchased by Co-Op Financial services. Co-op Financial Services also claims to have no knowledge of this judgment.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX/DOFED XXXX XXXX/DOFED 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