BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I spoke with a representative of the company back in XX/XX/XXXX via phone. I instructed the employee to submit a letter with the debt they are claiming I owe. The employee of IQ international stated that she would send out the letter, however she never did. In XX/XX/XXXX, I received noticed that this debt was added to my credit file and I immediately called the company only to be hung up on by one of their Managers. I have sent a certified letter to the company giving them 30 days to respond as the law requires. As of today, XX/XX/XXXX no response as be received from this company and it has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: CA
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND A ACCOUNT THAT SAY CHARGE OFF THAT IS NOT ACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
There is a hard inquiry on my credit score for a automobile. I never authorized a credit check with this creditor and now I have a hard inquiry on my account. I would like to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX I logged into My American Express account and was informed that my accounts have been closed. 

Their support team online provided a phone number that describes its working hours from XXXX XXXX XXXX XXXX XXXX eastern. I called this number 8 times and nobody was working. 

No written notice of account cancellation was provided. Nobody from American Express has attempted to resolve this issue in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I enrolled into a debt consolidation company, one of the debts I enrolled went into collection, it went to civil court, I agreed to pay XXXX a month until debt is paid, I continue to get statements with the wrong amount owed, I called the collection agency several times and emailed numerous times and they refuse to update the amount owed, I explained to them that I want it fixed for the credit reporting agency and that because they are withdrawing the amount from my bank account, I would like it corrected so that they dont take out funds that I do not owe. The last statement sent they have balance at XXXX and the balance as of today should be XXXX I have made payments of XXXX dollars every other week since XX/XX/XXXX till the most recent XXXX XX/XX/XXXX, and they refuse to update balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have a current copy of credit report as of today. As of today, there is new unverifiable information on my credit report listed within the Public Records section of my credit report. There is now a Bankruptcy  being shown that is formally being dismissed. I have disputed this alleged account on multiple occasions this has been directly with CFPB assistance and disputed this negative allegiant Public Record with TransUnion, XXXX and XXXX  on so many times - - - I can NOT even count anymore! 

These credit bureaus have made it beyond impossible to fix this error on their behalf and have not yet as of this date shown any accurate verifiable and certifiable proof of alleged Public Record.

Attached you will find written communication with review to assist with a permanent deletion.

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 2019-09-05
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2017-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Charged wire fee {$15.00} on XX/XX/XXXX, NSF Fee XX/XX/XXXX for {$35.00}. A transfer was done XX/XX/XXXX for {$45.00} to cover the negative but incorrect phone number by one digit. Two deposits were made on XX/XX/XXXX totaling over {$1600.00}. Then several ATM transactions put through AFTER the actual date and not when they were truly made and the account was positive. Four of six receipts are included. I 'm looking for other two. XXXX {$19.00} on XX/XX/XXXX XXXX XXXX, XXXX {$10.00} XX/XX/XXXX XXXX XXXX , XXXX XX/XX/XXXX XX/XX/XXXX and the withdrawal {$600.00} on XX/XX/XXXX at XXXX XXXX. All these fees total {$150.00}. Three more {$35.00} each XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. And there were promised fee refunds for areas affected by hurricane which I was.

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 2022-01-11
Company: Social Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2022 I received an offer for a personal loan : {$590.00} SoFi Personal Loan Bonus Offer. I confirmed with an agent that I qualify. The loan application provided me terms of repayment to select. I submitted and Sofi ran my credit. Then they denied me with the following reason ; " Does not offer credit on the terms requested. '' I contacted support. They believed it was due to a computer error regarding another partially completed loan application. They removed both applications and had me do another application. Instead their system states " SoFi can't offer you a personal loan at this time, but XXXX may be able to help. '' This is a referral to a different lender. The agent suggested I add a co-signer. 

My credit score on their denial letter is XXXX as of XX/XX/2022. They loan was for {$5000.00}. It appears to me that this is some bait and switch in order to mine my data. How can they reject me on the terms requested when they are the one 's that gave me the terms to pick from?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to LoanDepot to refinance my mortgage on XX/XX/XXXX. I signed the paperwork with a notary on XX/XX/XXXX. The loan now has still not been finalized and refinance. LoanDepot bungled this up every step of the way. The refi should have taken no longer than a maximum of 60 days as I was told in XXXX. This was important to me because my dream home was up for auction on XX/XX/XXXX which I wrote both the loan processing officer and the lending loan officer. As of today, the loan is still pending and despite my please to give me updates the company is largely unresponsive with generic answers such as we will let you know when we know, etc. I found the entire process unprofessional. XXXX XXXX, the lending officer was great, but the loan processing officer was horrible, his name is XXXX XXXX and he was taken off the case. At one point he threatened me that he could decide to just cancel the entire loan. 3 or 4 weeks ago they assigned someone else to the case. Her name is XXXX XXXX. While she was very friendly I have not heard much from her since.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies in Identity Theft.i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: TX
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 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 explanation
Consumer complaint received 2021-07-22
Company: Frontline Asset Strategies, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Frontline Assets Strategies threatening to report an amount of {$34.00} which they claim I owe to credit reporting agencies. That amount is incorrect! I owe much less than that!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: TX
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  Account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX BANK # XXXX XXXX has violated my rights XXXX 

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 2017-10-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX collection agency contacted me to discuss a claim in reference to my daughters XXXX XXXX XXXX XXXXXXXX I advised them that I was working with dental office and my insurance carrier that the is a dispute between my surgical plan and my dental plan. I advised that they are both pointing the fingers at each other. my company HR representative is also working on it. this is not my fault, its a insurance issue. As of XXXX XXXX, 2017,  theres a 180-day waiting period before unpaid medical debts can show up on consumerss credit reports giving me and my insurance carriers sufficient time to investigate the representative from agency was rude and told me they were going to sue me. 

all 3 bureaus have placed on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was advised that a good will faith credit could be issued for the remaining balance on this Chase Credit card account. Please let me know when the credit for the remainig balance has been issued. If anyone has any questions then they can contact the Executive office. I am not going to be lied to by Chase Bank. I have already mentioned several times your customer care team told me this account could be issued a credit for the remaining balance. The information was provided to me via my Chase credit card account. I have yet to receive the credit I was informed of receiving. The account should be paid in full once the credit has posted. I was advised the credit would be applied to my Chase credit card account that is closed. Seeing how Chasse customer care advised this account would receive the credit I am noticing that a payment is still being required each month. Per my last conversation with Customer care the credit should post within 1-2 billing cycles. Please advise if you can assist me with my account. Please see the information below that was provided by Chase customer care. 

Hello XXXX, Thank you for contacting us. XXXX, I forwarded your message to the appropriate department for review. You should receive a response within 10 business days. Per our research you should receive the promised credit you inquired about in the amount specified of the remaining balance on your Chase credit card account. Please continue to make the scheduled payments on your account until the credit has posted to your Chase credit card account. Thank you for being a Chase customer. Thank you, XXXX Chase Email Servicing XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
While accessing my Credit Report I noticed a collection from Optimum Outcomes. I 've written to this company to validate the debt they say I owe as well as their authority to collect on this debt and have received nothing. I feel as though my HIPPA rites have been violated as I have given NO entity permission to share my personal medical information with a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX at approximately XXXX I used U.S. Bank ATM XXXX XXXX XXXX XXXX TN, to try to withdrawal XXXX $ and it did not dispense my cash. Said the atm timed out and it would not charge me but yet my account was debited XXXX $ XXXX called my bank and I was told I had to wait 7 to 10 days to file a dispute to call the bank of the atm. U.s. Bank told me since I wasn't a customer of theirs, there is nothing they can do to file a dispute with my bank. 
So I have to wait 7 days to file the dispute on top of that wait however long it will take to do the investigation. The problem with that is my bill that is do tomorrow is not going to wait. I will receive late charges, and depending on how long it takes possible disconnection. ( even if I get my money back because I have read several complaints of people who has deposited and the money was not credited to their account as well of others saying they did not get their money after the atm did not dispense from U.S. Bank ). I'm beyond livid. I'm very limited to money because of Pandemic. I should not have to wait weeks for a error of U.S.Bank

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 2022-05-04
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: Information is missing that should be on the report

Complaint:
I am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

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 2019-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hello my name is XXXX XXXX this is now on my 3rd attempt to remove my sisters information from my Transunion report. I have disputed these items 3 times # Transunion dispute numbers XXXX and XXXX with no peril. I also have spoken with XXXX regarding the loan that are not listed under my name. Im at a critical point because I was scheduled to go to settlement/closing on my new home by XX/XX/2019. But with these items on my TransUnion report, it wont happen and I will lose over {$7000.00}. This is my twin sister information, we have a similar name and social security numbers and have been having a difficult time getting Transunion to remove the information in a timely fashion. Can someone please help!

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 2017-10-19
Company: Credit Karma, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On Monday XXXX XXXX, 2017, I received an email at work from CreditKarma.com The email subject line read : Youve Got Some Tough Scores, XXXX Upon reading this, I immediately became concerned that my credit scores were bad/tainted etc. I have maintained a credit score of XXXX for some years. I logged on to Credit Karma to discover that indeed, my scores were at XXXX. 

Like many businesses, my work email is monitored and reviewed for compliance to our corporate policy. This monitoring takes place in our IT department. As a senior level employee, I was very upset that employees of my company saw this, and perhaps could have easily assumed that I was having difficulty with my credit. I attempted to contact Credit Karma and there is no phone/email/address for which to make this known.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXXXXX/Equifax/XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX : {$1400.00}, XXXX XXXX XXXX Balance : {$29000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00}, XXXX XXXX Balance : {$550.00}

Company response to consumer: Closed with explanation