BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
sent dispute on XX/XX/2021 to transunion, XXXX, XXXX and, XXXX XXXX through certified mail no. ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) .with a formal dispute with instruction and a affidavit of truth and facts or notice of intent to sue for violation committed by these companies disregarding the law taking abuse on a consumers rights.

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 2020-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( XXXX  ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: Selene Finance LP
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage on time every month and now they are charging me a corporate fee of {$40.00} every month.when I asked what was this for they said an inspection. There has been no inspection of my home. My mortgage company is Selena Finiance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Experian Information Solutions Inc.
State: SC
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 contacted the creditors which say they do not have any of my information i have contacted the credit bureaus and they will not remove it the inquiries on my credit report that i did not authorize

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 2019-11-14
Company: ID Analytics, Inc.
State: MI
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 sent a letter to sagestream asking them to freeze my account and they never respond. I sent out a letter and I also filled out app online to freeze credit but still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Experian Information Solutions Inc.
State: SC
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 STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, EXPERIAN, XXXX  ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS.

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL.

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XXXX has already Filed Lawsuits on two Accounts as if they were not passed Statues of limitations in my state they even renewed the dates the accounts were opened to make it seem like they were chasing a debt that was supposed to e already extinguished I missed the court date and they was awarded judgement. 

XXXX is also trying to collect on a dent that is passed the statue of limitations I attached proof. 

XXXX XXXX XXXX Continues to report on a dent that happened back in XXXX my reason for disappointment in this is either self explanatory or has already been mentioned FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).

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 2018-02-09
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ETS out the XXXX XXXX XXXX 2014. In order to clear the post I had to settle all debts. One was to XXXX and the other was to the XXXX on post. With my severance pay I got from the military. Both companies then took payments out my severance package so I can complete my clearing. I've never stepped inside another military XXXX after I got out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Bread Financial Holdings, Inc.
State: CA
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:
I have a hard inquiry on my XXXX  on XX/XX/2020 from the company Comenitybank/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
sent ftc violation and police report and still has not removed all items

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Santander Consumer USA Holdings Inc.
State: WI
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:
Customer service would not take care of these Inquires that was not approved by me XXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX/ XXXX -XX/XX/XXXX Santander- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Williams & Fudge, Inc
State: AL
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 am just now learning about credit I tried contacting the Creditor but would not get a response every time I tried contacting them I am only XXXX years old and now have some knowledge on credit so this would not happen again. 


Opened : XX/XX/2017 ( 3 mos ) Original Creditor Name : XXXX XXXX XXXX XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: LEXISNEXIS
State: SC
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 am requesting a re-investigation and a provide method of verification of the bankruptcy listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have made several phone calls to the fraud dept concerning this issue. I have also sent in dispute letters to verify and validate. I haven't received a response from either party.

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 2019-11-14
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX, Hello, In furtherance to my conversations with your representatives as to why I think it is imperative that Amerisave Mortgage be held accountable for misleading prospective customers, I am hereby explaining my rationale. 
Having been previously advised by XXXX XXXX XX/XX/XXXX that I can not qualify for their lower interest rates that are currently being offered because my Debt to Income ratio lends me ineligible to qualify. Therefore, on XX/XX/XXXX when I first received the unsolicited phone call from Amerisave Mortgage 's representative by the name of XXXX XXXX, I was quick to explain to him that although I had previously investigated refinancing my mortgage loan, it was already determined that I was ineligible. 
Undeterred, he immediately proceeded to explain that unlike traditional lenders, Amerisave is not hampered by regular bank lending restrictions ; that their company is made up of a conglomerate of investors that simply try to achieve higher yields on their monies. Furthermore, given my extraordinarily high credit score cements my approval with them. This really made sense to me since I am managing monthly to get by, although marginally and how much easier it would be saving {$600.00} {$700.00}. Thus he totally had my interest. Their one conditional caveat was their non-refundable application fee of {$500.00} which of course would be credited towards the balance of my closing costs once my loan most assuredly would be funded, after all they had already given me a loan number. Excitedly I proceeded with filling out the application and agreeing to pay the {$500.00} application fee ( given that they are unconventional lenders and relying too on the confidence of 'What 's in my wallet ', my XXXX XXXX Credit Card ). Within an hour I received the answer to my application with XXXX telling me sadly that 'yes indeed my debt/income ratio was too great '. I then immediately contacted XXXX XXXX to contest the {$500.00} charge who consequently reversed the charge and credited my card XX/XX/XXXX. Figuring the case closed, I resolved to not be similarly taken again. 
Bingo, XX/XX/XXXX Amerisave Mortgage recharged my card providing to XXXX XXXX a printed out copy of the signed application I had executed on the computer screen. What is so upsetting and 'sticks in my craw ' is that I had forewarned the salesman of my ineligibility immediately. Consequently, I've investigated the reviews on the internet regarding Amerisave Mortgage and it's fraught with negative comments expressly the same as mine. Amerisave Mortgage is a prime example of a firm that takes advantage of and preys on individuals most vulnerable of which are the retired with fixed income. 
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 monetary relief
Consumer complaint received 2021-02-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Received notice from Chase Bank late penalty would include interest rate going to 29.9 % indefinitely. This is XXXX  and especially during a pandemic!! Where is the government oversite?!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened account offering a {$300.00} bonus if DD of {$2500.00} or more in 60 days. Did this and waited a month past 95 days when it should have been credited. I have called 3 times and they just say they are emailing someone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had applied for Modification for the following properties just after these loans were transferred from XXXX XXXX XXXX to Nationstar. 
I repeatedly sent modifications documents to Nationstar but to no avail. 

XXXX ) XXXX XXXX XXXX, XXXX, NY XXXX XXXX ) XXXX XXXX XXXX, XXXX, Fl XXXX XXXX ) XXXX XXXX XXXX, XXXX, Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We have paid our auto loan with 6 deferred payments but our payments have been incorrectly applied to the 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 2019-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Inquires on my credit report that I did not do.

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 2021-02-03
Company: EQUIFAX, INC.
State: FL
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 are currently numerous accounts listed on my credit report that I have no knowledge of which are highly affecting my credit score. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: CL Holdings LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: MoneyLion 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:
A account/ loan was opened using my personal information and I have no records of this transaction the company is Moneylion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XXXX, As an informed consumer pursuant to 15 USC 1692a ( 3 ) and aggrieved applicant pursuant 15 USC 1691d ( e ), I, XXXX XXXX XXXX XXXX, applied for Credit on used vehicle and was denied credit based on me exercising my rights as a consumer to credit transactions which is discrimination pursuant to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: FL
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:
CFPB Write up in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX & XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-30
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
One word describes this bank best : INCOMPETENCE. Let the facts below -- describing Synchrony 's misconduct in-detail -- establish the case : I have stellar credit. Earlier this year, I allowed Synchrony to open two retail credit card accounts, which they did instantly with no issues. I make regular purchases and pay those bills every month. They know who I am and the fact that I pay my bills timely. 
Around the XXXX of XXXX, I received a pre-approval for another Synchrony-managed card. I accepted the offer and Synchrony sat with the entire thing in a " pending '' state and did not update or communicate with me whatsoever. Annoyed by the lack of any action whatsoever by Synchrony, I called and went through their menu funhouse and waited on hold forever. 

When I finally reached an agent, she looked over everything and said they had a problem verifying my identity and asked some questions. I asked why they had identity issues when I am a current customer and have the same exact information on-file? She sent a verification text to the same phone number on my other Synchrony accounts and I read it back to her. 

She then stated I would hear back from them, which, to this day, has NEVER occurred. 
Thus, it appears that the incompetent people within your company either 1 ) are scared to deal with me, even though I am a CURRENT CUSTOMER with regular charge/pay activity ; or 2 ) your people are incompetent and can not perform the duties to which they are tasked. 

I've suffered damages and have been subjected to the run-around and other abusive and unwarranted conduct by your Company, not to mention irreparable harm to my credit report as a result of your negligence and misconduct. You are advised of these facts and have been messaged further detail privately.

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 2021-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and I do not have a contract with PORTFOLIO RECOV ASSOC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Bread Financial Holdings, Inc.
State: NY
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 filed a dispute in regards of the incorrect items on my credit report. It has been well over thirty days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Harris & Harris, Ltd.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has accused me for 19 years of owing fines related to a motor vehicle infraction. I have paid the debt and my driver 's license is clear and valid. I have requested proof that the debt is outstanding and the company never provided any proof whatsoever. They continue to send letters claiming money is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have an AMERICAN EXPRESS card I bought at rite aid for the purpose of buy gifts online there was a few purchases I didnt make but my problem is that I have yet to receive anything I made these purchases starting the beginning of XXXX

Company response to consumer: Closed with explanation