BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-16
Company: Continental Finance Company, LLC
State: TN
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:
Celtic Bank XXXX box XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Reference Number : XXXX Dear XXXX XXXX Thank you for submitting a prequalification request for the Surge credit card issued by Celtic Bank and serviced by Continental Finance Company . Upon review of your request, we regret that we are unable to prequalify you at this time for the following reason : We are unable to access your credit report due to a security freeze. You may contact the bureau to remove the freeze and reapply. 

Our decision was based, in whole or in part, on information provided by you and the following consumer reporting agency : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX You have the right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply reasons why we have denied credit to you. 

You have the right within 60 days after you receive this notice, to obtain a free copy of your consumer report by contacting the consumer reporting agency listed above. You have the right to dispute the accuracy or completeness of any information in your consumer report by contacting the agency listed above. 

If you have any questions about your application, please call us at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Sincerely, Credit Officer The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicants income is derived from a public assistance program ; or because the applicant has in good faith exercised his/her right under the Consumer Credit Protection Act. The federal agency that administers the compliance with this law concerning this creditor is the FDIC Consumer Response Center, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX, MO 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 2019-08-12
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 submitted a FTC Affidavit along with a police report to Experian showing that the XXXX XXXX XXXX account was opened as a result of fraud. This matter still has not been resolved. I need your assist in getting this matter resolved. I also can't see my credit results for XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine and needs to be removed asap someone was using my information. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-08-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019 I received a document, ( issuing date XX/XX/2019 ) from Citizens One XXXX   XXXX a subsidiary of Citizens Bank, XXXX entitled " Closing Disclosure '' that was labeled " This form is a statement of final loan terms and closing costs. '' which I interpreted to be the end of all formal requests ( or changes connected ) with the loan my wife and I had applied for. I called the local sales manager, XXXX XXXX, and asked for clarification regarding the amount of the Cashier 's Check that should be obtained and bring to closing. He advised that the check should be in the amount stated in the Closing Document I received, the amount of {$47000.00}. I had such a check cut ( see attachment ) on Monday at approx. XXXX XXXX on XX/XX/2019. My wife XXXX called me later in the morning of XX/XX/2019 and advised me that she was informed by Ms. XXXX, Mr. XXXX 's assistant, that the amount on the Closing Disclosure I had in my possession was in error. Repeat : the amount that I had confirmed with the manager, Mr. XXXX, was in error and did not jibe with what his assistant, Ms. XXXX, claimed it should be. XXXX XXXX contended that the now correct amount was {$48000.00}. At approx. XXXX XXXX XXXX on XX/XX/2019 I received a piece of mail from Citizens One ( Rhode Island office ) with exactly the same document I had received from them on XX/XX/2019 and it is so enclosed. That document that I opened on this date contained the same information without a wit of difference. Period. When does a statement of " final loan terms and closing costs mean '' what it declares? What rules is this bank trying to play by? The Closing Disclosure received on XX/XX/2019 was precisely ( repeat precisely ) the same Closing Disclosure I received on XX/XX/2019 ; it had precisely the same information, and apparently the same mistakes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
On XXXX XXXX XXXX I was fortunate enough to close on a loan to consolidate home mortgages and my student loan into XXXX payment at a reasonable interest rate. 

The problem is the school loan payoff went to the wrong address within the same organization. The check was cashed by the XXXX XXXX XXXX, XXXX but can not be transferred to the Nelnet address. I have been told that a check will be reissued and sent back to the sender in this case the law office that issued it in XXXX 6 weeks. In the mean time since this all started I still will be responsible for interest at {$10.00} a day. I put the loan into forbearance status to protect myself from monthly payments and late fees. They are claiming that it was not their mistake and my statements for over a year have had the address on it. I stated that I 've been trying for over years to figure out how to pay off these loans and I have an email from XXXX that I asked for a payoff amount and the payoff address was the XXXX address. When I was trying again this current year and pulled a payoff statement online there was no noted payoff address so I had this address in my file so gave it to the law office to send pay off into. 
I can not believe that NelnetXXXX does not have a means to transfer funds for a close out payment. I would like not to have to pay the interest and for this organization to work reasonably with me in completing this final transaction. 
On XXXX XXXX I received a letter from Nelnet stating the loan was paid but a balance remained not true I called same story as above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Sale of account

Complaint:
I had XXXX credit card accounts with Chase bank back in XXXX. XXXX went into default and I eventually settled XXXX of them with Chase in XXXX 2010 using my Chase Checking account to make the payments ... years later Chase either sold or " placed '' a settled account with XXXX XXXX and now XXXX XXXX has been on my credit report and has been trying to collect on me for years. I have written to Chase and to XXXX multiple times over the years and have filed formal disputes with XXXX and XXXX. XXXX finally deleted this false report but XXXX did n't, and I have no idea what XXXX shows. Regardless, I have made multiple efforts over the years to get XXXX and Chase to validate this alleged debt and they have failed to do so each time. I feel as if I have no other possible recourse to resolve this matter because my written disputes are essentially ignored by XXXX and they make absolutely zero effort or attempt to validate their debt and supposed claim to be able to have this on my credit. XXXX also provided no specific response other than to say they are updating my report to reflect that I have disputed this, but they did n't address the substance of my claim or Midlands complete refusal to validate the debt they are claiming is owed. 

Please help me find someone, somewhere, who can help make XXXX accountable for their own obligation of validating an alleged debt, because they flat out refuse to do it on their own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had 2 lates on my Chase Mortage dated back XX/XX/XXXX and XX/XX/XXXX 2013. I was a victim of identity theft in which my accounts were compromised, as a result, I had to close them down. A police report was filed. 

Chase refused to remove the lates of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Experian Information Solutions Inc.
State: PA
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:
On  XXXX   XXXX ,    2017   XXXX   XXXX  made a hard inquiry on my credit report. Now, they deny it ; the Experian CREDIT beurau denies it as well. Neither company is willing to help. I am applying for a loan for a house and need to get this removed asap.

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 2015-07-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XXXX XXXX, XXXX I charged {$990.00} on my Chase Visa for advance services XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, MA. I tried to call and make an appointment from XXXX through XXXX of XXXX and utilize the remaining credit - {$660.00} out of {$990.00}. Unable to reach anyone for months by phone, I stopped by the location and found the owner, XXXX XXXX, in a vacant shop with files strewn everywhere. XXXX relayed to me that her co-workers had rerouted the credit card machine and taken advantage of her absentee management. She had to let everyone go and was closing the store. Her attorney called while I was present and she was clearly distraught. I asked her to look for my file and she could not find it. XXXX days later I called Chase Visa 's fraud department and asked the balance I was unable to use ( {$660.00} ) be removed since I was unable to collect the services. Chase VIsa sent a postcard months after I filed a claim ( attached. ) Chase Visa did not respond to my request until the following XXXX of XXXX. A rep from Chase Visa called and said they had contacted a woman at XXXX XXXX named XXXX who claimed she could honor the charge. In XXXX of XXXX, I went by the store and explained I had a remaining credit from prior management. I asked her to consider crediting the amount as I did not want to patronize the business, but she would not. She issued me a gift certificate for {$660.00} XXXX attached ). The next week, I called to set up an appointment. I got no answer. I dropped in person by again and a huge sign stated " Closed for Good '' was posted on the door XXXX attached ). I called Chase Visa fraud on XXXX XXXX, XXXX and told them there was no one to honor the charge. I sent a photo of the closed store and a picture of the gift certificate I was unable to redeem. On XXXX XXXX, XXXX Chase sent me a letter saying the charge would be honored and I had to pay the {$660.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-13
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: Information belongs to someone else

Complaint:
These are not my accounts nor did I authorize these credit inquiries.

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 2022-03-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a formal complaint against XXXX XXXX and Collections. This collection agency has negatively reported XXXX ( XXXX ) accounts to my credit report and is unable to verify the validity or accuracy of these alleged debts. A recent lawsuit against XXXX found that the collection agency routinely failed to implement proper policies and procedures to ensure the accuracy of accounts. 

The CFPB alleges that XXXX lacked reasonable policies and procedures regarding the accuracy and integrity of the information it furnished to consumer reporting companies, specifically with respect to handling of indirect disputes, which are disputes submitted by consumers to credit reporting agencies. 


Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} Reporting to : XXXX, XXXX Original Creditor : XXXX Amount : {$750.00} Reporting to : XXXX, XXXX, XXXX These particular accounts are evidence of XXXX lack of accountability. To this day, the collection agency can not share the details of the charges by providing a copy of signed lease/contract with original creditor, itemized accounting ledger of how the total alleged debt was calculated, details or photos of any alleged damage. I have no way of knowing if this debt is accurate or even belongs to me. As such, I am requesting these items be deleted from my XXXX, XXXX, and XXXX files. 
Furthermore, per Florida Statutes s. 83.49 ( 3 ), a landlord is required to notify tenants of balances owed within 30 days or forfeit the right to collect. I vacated the property XX/XX/XXXX. The first notification I received of any alleged debt was from XXXX on XX/XX/XXXX. This is far beyond the 30 days, and therefore XXXX is attempting to collect a debt unlawfully. I have included documentation to support this position. 

Additionally, I would like to make an official complaint of FCOs abusive collections practices. During the first contact on XX/XX/XXXX I was notified of the alleged debt. When I asked for clarification of the charges the agent refused any additional information. Due to the agents hostile temperament I requested to speak to a manager or another agent. The request was met with screaming and insults. This is a clear violation of FDCPA and should be handled as such.

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 2015-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Identity thieves have obtained sufficient information about me to attempt to open credit card accounts. I have received notice of at least 3 attempts in the past 2 weeks of credit cards being sought in my name ( 1 time at XXXX XXXX XXXX and 2 times at Capital One ). I am concerned that Capital One Bank may not have adequate systems in place to prevent future fraud in my name. When I received the XXXX Capital One credit card I had not requested, I called and got it cancelled. When I got a XXXX letter informing me that another credit card was coming, I called back. I was getting contradictory information from the fraud line representatives - one person found the XXXX application for credit and another could n't. The last representative I spoke with said that they could not associate a fraud warning with my information. This does not appear an adequate solution. Will I keep receiving new credit cards that I have to cancel? I ca n't tell based on Capital One 's current response. I have also filed a police report and filed a fraud warning with the credit bureaus. I just fear that Capital One 's response is not adequate. It is also possible that the XXXX letter I received purportedly from Capital One is a sophisticated phishing attempt - but, based on Capital One 's response, I ca n't tell.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
THE BANKRUPTCIES BEING DISPUTED HAS BEEN DISMISSED AND IT IS STILL REPORTING ON MY CREDIT FILE. PLEASE HAVE THIS DEROGATORY MARK REMOVED OFF THE REPORTING BUREAUS FOR THEY HAVE BEEN DAMAGING MY CREDIT FILE. ALSO REMOVE ALL THE UNAUTHORIZED INQUIRIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: IL
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:
I've contacted all three credit bureaus and told them to verify my credit report and they stated everything was accurate. I've done a thorough research myself and found improper inaccurate even after they did their research. I've sent vs certified mail on XX/XX/XXXX and XXXX XXXX about late payments that were paid in full already those dates were XX/XX/XXXX and XX/XX/XXXX. They were paid on time. That's affecting my credit score when I'm still an account holder with this company XXXX XXXX as of today XX/XX/XXXX. 
My Account number is ending XXXX Open date was XX/XX/XXXX. 

In accordance with the Fair Act Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I've contacted all three credit bureaus and told them to verify my credit report and they stated everything was accurate. I've done a thorough research myself and found improper inaccurate even after they did their research. I've sent vs certified mail on XX/XX/XXXX and XXXX XXXX about late payments that were paid in full already those dates were XX/XX/XXXX and XX/XX/XXXX. They were paid on time. That's affecting my credit score when I'm still an account holder with this company XXXX XXXX as of today XX/XX/XXXX. 
My Account number is ending XXXX Open date was XX/XX/XXXX. 

In accordance with the Fair Act Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an 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 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 tried to communicate with the company twice and they have ignored my request. I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

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