BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: Credit Central Holdings, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have paid each companies in full for pay to delete and nothing has been removed they're still reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My husband and I have an XXXX  Account that we haven't been able to use for a few weeks now and we do have money in our account. we have tried to call them several times and the response is always " the XXXX  department is not available please leave a message '' We leave messages and they never call us back. We need to pay for health appointments and we always use this card and now we have no way to access this XXXX  Account We need help. On the upper left side under the XXXX  it says A Division of Webster Bank. N. A This is a Debit XXXX card. The # in the back is XXXX or XXXX. Lower right back of the card has a little star in a square with XXXX under the star In the bottom of back of card in small print it says This card is issued by XXXX XXXX  pursuant to a license from XXXX XXXX XXXX XXXX XXXX. I hope you can help us resolve this issue. Thank you XXXX XXXX XXXX My email is XXXX My husband XXXX XXXX also has a XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Credit Plus Inc
State: WI
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 an dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


The bureaus did not remove the previous late payments and permantly close the account which is harming me and causing injury.

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 2022-07-06
Company: ALLY FINANCIAL 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:
Many hard inquiries have recently been reported on my newly established credit without my knowledge or consent. It is really impeding my ability to obtain financing, or even get small approvals. I have attempted to contact these companies via phone and email and no proof has been shown that I, myself, was the one who opened the accounts. Please remove them immediately after investigating. 

XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX & XX/XX/XXXX - Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are all companies that should not be on my hard inquiry XXXX account because I did not consent.

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 2017-08-17
Company: Movement Mortgage LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We went to our scheduled closing and on the way there found out we couldnt close. We were told the ratios werent in line. The mortgage company gave the go ahead to everyone involved, including the attorneys. Now we are being told the loan was never correctly processed or approved. We had days off from work, utilities transferred and people set up to help us move. Our landlord has new tenants coming in on XX/XX/XXXXand we have no where to go. The banker will not return phone calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Creditor. XXXX XXXX XXXX The account was paid and they are removing the chargeoff status to all 3 credit bureaus.

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 2017-08-21
Company: JPMORGAN CHASE & CO.
State: VA
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:
On XXXX XXXX, XXXX my Chase Freedom credit limit was {$4500.00}. Early in the morning on this day several purchases were made on my card which totaled over {$15000.00}. None of the charges over the {$4500.00} credit limit were declined and I was not alerted to these overages in any way. On XXXX XXXX, XXXX I spoke with a chase card customer service representative ( the gap in time here was due to a fraud investigation which I had thought would clear these charges ). When I asked the representative how my card was able to exceed the credit limit more than 3 times over, their answer was " I do n't know. '' After pressing further, I was told that one possible reason for this was that because these were multiple transactions made in quick succession the Chase system was not able to update fast enough and recognize that the card was over it 's credit limit. There were 7 charges made on the card over a period of two hours, each between fifteen and thirty minutes apart. If Chase 's system really takes more than two hours to update, this could leave many more consumers extremely vulnerable to large credit overages. The Chase representative also stated that some of their cards are able to go over their stated credit limit- some by a few dollars, some by a few thousand dollars- without clearly telling consumers about their cards potential to go over. I was also told that " some customers '' are allowed overages but was not told how or why these customers were chosen - I was told that no one knows and that it is all completely up to " the system ''. The highest number that I was told by the representative that a particular card and chosen customer could overspend was {$7000.00}. While this is still in my opinion an extreme amount to be allowed over a credit limit, it is still far less than the additional {$10000.00} that my card was allowed to be charged. This appears to be a very big problem with Chase 's system that could only benefit Chase in the end ( causing consumers to fall behind on payments or rack up interest ). I would like to believe that this is a glitch or problem with the system that can quickly be fixed but was not left with this impression after my phone call with Chase. After going back and forth with the Chase representative about possible solutions she was able to speak with a manager and eventually put a permanent limit on my credit card that will not allow overages of any kind ( at least this is what I was told ). While this sounds like it should be a good solution, with the system as it is I am not confident that this hold on spending will work if a similar situation were to occur ( several charges over a few hours time ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Coinbase, Inc.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
21 days ago ( XX/XX/XXXX ) I transferred XXXX XXXX from a XXXX XXXX to my Coinbase wallet with XXXX XXXX of fees. On the blockchain it shows that I have received the amount 21 days ago and also XXXX confirmations have gone by. I have contacted the support line multiple times and nothing has gone through. It still shows as " pending '' on the Coinbase side of things

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported my debit card stolen/lost, in which my account should be locked. However, two days later, someone had pulled out all my savings and checking, which accumulated to {$3000.00}. When I contacted the bank they had no explanation on how this was possible since my old card was inactive and have not yet received my new card. They also made a phone transaction and stole {$1500.00} from my account. The bank now says I have to wait 10 days before anything happens, although this was their fault for failing to protect my 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 monetary relief
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
After many attempts. I am not able to see or dispute negative information on my 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 2018-08-28
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the XXXX and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-08-28
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
MRS BPO of XXXX XXXX XXXX, XXXX XXXX, NJ is telling me I must pay them {$63.00} on behalf of XXXX. I called XXXX and they said I have no balance due with them. This was attempted previously by another fake debt collector, which used a real debt collector 's name, but a different address and phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 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 2022-07-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, I did a Covid forbearance with my Mortage Company, PENNYMAC LOAN SERVICES , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX. I did not make a payment for XXXX, XXXX, and XXXX and was told that the payments missed would become a 2nd mortgage interest-free and it would be paid when I sold my house. In XXXX of XXXX, I started to make my monthly payments again. I now have a loan statement that shows today in XXXX I have paid Principal {$5600.00} Interest {$5300.00} Escrow ( Taxes and Insurance ) {$3700.00} Fees {$7300.00} Credit Balance {$4400.00} When I call to inquire about the {$7300.00} I am told it was a mistake and they corrected it. It has not been corrected. I have requested a breakdown of the fees and was again told that it was payments missed allocated. I have requested a letter stating that the correction has been made and where the money was re-allocated and that the interest has also been corrected since the daily interest charges. I was told that that wasn't true interest doesn't work like that on a mortgage. I requested to speak to a supervisor and was left on hold for XXXX minutes then he came back and stated that no one was available but again assured me everything was fixed. 

You will see in the documents I am attaching that the documents and the online information do not reconcile and have different information on them. 

Also anytime I have made an overpayment and requested it be applied to my principal they have applied it to a suspense account and not reduced my principle to reduce my daily interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
BARCLAY BANK WAS SUPPOSED BY CLOSED AS OF XXXX/XXXX XXXX/XXXX WAS SUPPOSED TO BE CLOSED AS OF XXXX/XXXX ALSO 4 OUT OF 7 ASSOCIATED ADDRESS ARE NOT CORRECT

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 2022-07-06
Company: Experian Information Solutions 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:
I am writing to delete the following information in my file, the items i need DELETED are listed in the report. I am a victiim of identity theft and it is damging my livlihood. I demand that you remove these items from my consumer report. I also reported the theft of my identity to the Federal Trade Commission & enclosed copies of the Federal Trade Commissions identity theft affivdavit. Remove these items immediatly or my attorney will be involed.

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 2022-07-06
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:
I am writing to delete the following information in my file, the items i need DELETED are listed in the report. I am a victiim of identity theft and it is damging my livlihood. I demand that you remove these items from my consumer report. I also reported the theft of my identity to the Federal Trade Commission & enclosed copies of the Federal Trade Commissions identity theft affivdavit. Remove these items immediatly or my attorney will be involed.

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 2017-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
On XXXX XXXX, I came to a settlement agreement with XXXX XXXX XXXX, a representative of the collection firm XXXX  and XXXX XXXX. concerning the listed file number. I was forced to reach an agreement with this representative due to Capital Ones refusal to work with me. My contact through Capital One was XXXX XXXX and it was difficult to reach him and get responses or answers in a timely manner. While his letter referred me to XXXX and XXXX to resolve the account, I had on more than 1 previous occasion rescinded any rights to transfer my information or account outside of Capital one. As a result of forcing my hand, per the attached settlement letter, the amount of {$4100.00} was paid in 2 installments of {$250.00} on XXXX XXXX and {$3800.00} on XXXX XXXX as the enclosed copies of the payment receipts show. As a result of my payment in full, I contacted XXXX on XXXX XXXX, XXXX at approximately noon to request an immediate paid in full letter to be emailed to me at XXXXXXXXXXXX as soon as the payment had cleared. This representative became rude when I stated that I wanted the letter to be sent to prevent any additional fees to be suddenly added after my final payment. The final payment cleared my bank as of XXXX XXXX and 2 weeks have passed with no letter of confirmation of payment in full. I felt very threatened when XXXX had a court appointee bang on my front door hard enough to dent the strike plate and damage the latch in order to issue a summons at the beginning of this entire confrontation with a letter in the summons dated from XXXX XXXX, XXXX and presented to me on XXXX XXXX, XXXX. On my initial contact with XXXX, I expressed my complaint at the way the summons was served and that my wife and I felt threatened at the scare tactics used. His response to me was Im a lawyer so I know the law and I dont care what you do and his language was very confrontational and his statement about the aggressive tactics were to get my attention. I am requesting a completion of payment and paid in full letter in accordance with my request to XXXX and in accordance to the total in the agreement letter to be mailed within 24 hours of your receipt of this certified return receipt letter. This letter and its accompanying documentation will be mailed to both XXXX and XXXX and Capital One and will be retained for any possible future action that might be needed. I will be notifying the Better Business Bureau and the Consumer Finance Protection Bureau about this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: CREDIT ACCEPTANCE CORPORATION
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I just received a Garnishment Notice, based on a loan that I co-signed on in XX/XX/XXXX. I did not receive any notice about this garnishment, have a chance to dispute it, or be notified that it was going to enforced ( more than 16 months after the fact ). They report that there was a judgement on XX/XX/XXXX, but I was not aware of it, or I would have disputed my involvement. They have located the primary debtor, so why am I being garnished? They repossessed the car in question 3 months after it was bought, so why am I paying for something they have had since XX/XX/XXXX? Why did n't they give me the opportunity to challenge? Why does this debt even exist? Furthermore, this is causing an extreme hardship on my family. We are just finally recovering financially after I had to quit work to take care of my son, who was diagnosed with XXXX XXXX XXXX in XX/XX/XXXX. After he passed in XX/XX/XXXX, it took a while for me to get back to work while I grieved my XXXX  year old. I am finally climbing out of the financial debt we incurred, and am now subjected to this. I tried to talk with the company on XX/XX/XXXX, but they said to talk to the attorney. I tried to set up payment arrangements with the attorney, and maybe negotiate a lower amount, but they claim they can do nothing -- it 's up to the court. I know this is a flat out lie, as we just got done paying another garnishment on expenses incurred while my son was sick. This garnishment is predatory and spiteful.

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 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted TransUnion several times explaining that incorrect information is being reported in my name. I have never filed for Bankruptcy and I am asking that this information along with all the accounts saying included in bankruptcy be deleted & blocked from my credit report. I have sent information along with a letter from the courts saying that they do not verify or report to any credit bureau. Please delete this information.

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