BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
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:
While checking my credit report I discovered items that have unverifiedinformation. I was in XXXX XXXX, XXXX, OH from XX/XX/XXXX - XX/XX/XXXX. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( x3 ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-12-14
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Case Description : Brand New Customer and I 've had nothing but horrible customer service and still unable to use my card, ca n't seem to find anyone willing to help. 
I ordered a Wal-Mart Credit Card around XXXX, and after having to have the card re-mailed 2 times, I finally received it on XXXX. I ordered the card specifically to be able to get my children 's layaway out and for no other purpose. I received my card on XXXX, called in and activated my card prior to heading up to Wal-Mart to pay off the layaway. My card never went through and so I had to get out of line to call in and figure out why. After speaking to the representative I was informed that a fraud alert was placed on the account and that I needed to verify some information. I verified with the representative my Name, Address, Phone Number, Social Security Number etc ... They then proceeded to tell me that they were going to send a text message to my cell number, which they did the day I was approved for my card, and several other times prior to with no problem, but for some reason on this particular day, they were not able to verify me with " the same phone number I 've always used and previously been verified on '' in order to remove the fraud restriction and allow me to complete my transaction. Every time I call in, every single representative has been not only rude, but does n't answer questions that you ask, talk over and you can clearly tell that they do not care about Customer Service at all. It logically makes no sense, that a person can verify every single piece of information on their account but not be considered " verified '' b/c of a cell phone number!!!! Especially when I 've previously been verified on the very same cell phone number numerous times before. I also tried giving them XXXX other numbers and they were n't able to use any of them. This situation is beyond frustrating and b/c I have not been able to get a Customer Service Agent on the line willing to help, I had to take this route instead. All I want is for the restriction to be removed so that I can complete my transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card
Issue: APR or interest rate

Complaint:
Over the past several years I have filed numerous complaints against Capital One because of the outrageous interest rates on my account. Each complaint resulted in the same canned response " we ca n't lower your interest rate ''. For many, many years the interest rate hovered around the 17 % mark, adding almost XXXX XXXX dollars in interest to the balance each month. After signing onto the account today, I noticed that the interest rate jumped up to 18 %. How can Capital One justify increasing my interest rate but each time I ask to lower it, I get the same response? I ca n't express my extreme disgust with this company. I 've been with Capital One since XXXX and used them fully until XXXX. For someone that 's been with them for as long as I have, I would have expected them to work with their customers instead of thinking it 's just to raise interest rates whenever they feel like it just because the " market dictates ''. My next step is contacting my senator 's office and then possibly, legal action. I received no notifications that this interest rate was going to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Bread Financial Holdings, Inc.
State: MA
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:
How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on the dates below from XX/XX/XXXX & XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I reviewed my credit report and noticed a fraudulent account that I did not authorize on my credit report and its preventing me from receiving credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Other fee

Complaint:
I received an email from XXXX offering a free credit score report. When I replied and thus submitted the request I unwittingly must have agreed to a continuing charge, etc. which was hidden in the usual flabberjabber but which was not clearly stated or I would not have submitted the request. I only discovered this when I found a {$39.00} charge on my Chase Freedom card. They have made cancelling the " membership '' difficult by not providing for an opportunity to cancel online and have only provided a telephone number with limited hours. According to online complaints actually canceltion is often ignored. 
I received an email from them on XXXX which I did not read telling me that I had until XXXX to cancel the membership of which I was not aware or desiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Performant Financial Corporation
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hello I was told I had to file 4 or 5 different complaints by your customer service people. this Complaint will be about Performant Recovery. 

Back in XX/XX/XXXX, Performant Recovery came after me. They committed several law violations. 
1. They only gave me a 15 day notice instead of the legally required 30 day notice. 
2. They never reported any of my social security garnishments to any credit agency which violates the Fair Credit Reporting Act. 
3. I do believe from time to time they robo called my house which might have violated the Fair Debt Collection Practices Act, but it definitely violated the Telephone Protection Act of XXXX. 
4. With all of the money I have paid Federal Student Loans I do not know if the fee I was charged by Performant Recovery would be legal. I did write the US Dept of Education previous collection agency some checks. 

I have made over 500 complaints to the Federal Bureau of Investigation regarding robo calls. I made those complaints through XXXX so you people can probably easily look those up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2018 XXXX XXXX Did not show me proof

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have several addresses on my credit report that I have never lived at. I need to make sure no one is applying for anything in my name at these incorrect addresses : Please REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, 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:
While checking my credit report I discovered items that have unverifiedinformation. I was in XXXX XXXX, XXXX, OH from XX/XX/XXXX - XX/XX/XXXX. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( x3 ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, 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:
address
name
accounts 
wrong


XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  XXXX  XXXX

XXXX  XXXX
XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX


XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  & XXXX  XXXX  XXXX
XXXX  XXXX  XXXX
XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Issue: Privacy

Complaint:
Last week I used my CITI card to pay for care for a cat at the XXXX XXXX XXXX XXXX ( XXXX ). On Monday, I received another bill from the hospital in a different ( and slightly higher ) amount. What confused me was that the second bill indicated that I had n't paid anything on my account. So, I went to the CITI website and found that, indeed, I had paid them. What shocked me was that, in addition to the amount they had said I owed, there was a pending charge of {$430.00}. I can only assume that this fraudulent charge was placed on my credit card to insure that I paid the second bill. I wish to lodge a complaint, not against the credit card company who responded quickly to my complaint, but against the XXXX XXXX XXXX XXXX for using my credit card without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: United Military Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
We refinanced our VA loan with Lowvarates.com The process began about XX/XX/XXXX or XX/XX/2016. Because we were a " streamline '' VA refinance, we did not have to have alot of paperwork done and were advised it would n't take long. We were " about '' to close on several occasions and finally XX/XX/XXXX we got a closing date of XXXX XXXX, 2016. We signed all of the closing papers on Friday, XXXX XXXX, 2016. We understood that our XX/XX/XXXX payment was included in the payoff and we would not have to make the XX/XX/XXXX payment. We went on about our business and on XXXX XXXX, 2016 I received an email from our broker. He sent the email after XXXX p.m. and I read it somewhere around XXXX or XXXX. He advised that there was a mistake in he paperwork and we had to resign the papers. They sent a notary to us around XXXX to sign the corrected paperwork. After the paperwork was corrected we realized that the mistake in the paperwork delayed the funding and they payoff of our old loan did not happen until XXXX XXXX, 2016. At that point, the our payment that we were told was paid in the payoff of the house was 30 days late. We had spent the month of XXXX expecting to close on more than one occasion and did not make the payment because we were supposed to close and were told it would be included. The next morning I emailed our broker and asked about if we would be considered 30 days late, his exact words were, " you should n't. With that said, if the lender does report we will provide a letter to clear it. '' So with that, we were ok UNTIL a couple of weeks later I checked my credit and saw that the payment WAS reported 30 days late and it had reduced our scores nearly XXXX points. Our broker wrote a letter to the mortgage company explaining that we were told the payment was made, but our mortgage company refused to make any change to the reporting. 
Our broker should have told us this could happen! He should have advised us to pay that payment immediately - although it was already after XXXX when he tried to contact us on the XXXX of the month and the payment was more than likely already late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I currently have XXXX private loans owned by NCT and serviced through AES. I proudly served in the XXXX XXXX and have been since deemed XXXX XXXX and I would like to apply for a XXXX discharge of these XXXX private loans. I 've contacted AES and they could not assist, they forwarded to NCT who offered no assistance. Who do I contact?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had a loan from XXXX Student Loans which I was making monthly payments via direct deposit. I received notification that my loan would be serviced by American Education Services starting in XXXX XXXX. American Education Services would continue to withdraw money via direct deposit until XXXX XXXX, when I would have to set up a direct deposit with AES directly. AES continued to withdrawal money from my account until XXXX XXXX, without any noticed or notification they stopped withdrawing money from my account. They also stopped contacting me by mail. I received no communication from AES via mail that they stopped withdrawing money from my account or that I was past due. On XXXX XXXX XXXX, I was notified that I was in default and referred to a collection agency. They will give me no explanation as to why they stopped withdrawing money despite their promises to do so until XXXX XXXX. I was making monthly payments on time, and then they stopped their commitment and am holding me at fault. I feel that this has been a predatory action, and I do not agree that I was at fault here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
address
name
accounts 
wrong


XXXX  XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Chase Mtg. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX 10 XXXX ten business days, via certified mail Number : XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I paid my credit card off in full in XXXX, I charged something less than 35 % of my limit. In XXXX I get a letter saying that my credit limit has been decreased from {$2500.00} to {$800.00}. I have payed this card off several times when the bill was due with only two late payments. I called Elan financial and they said they would have to check my credit which of course now is going to look worse because of the credit decrease from them and now my utilization is higher. After speaking with them they said they would have to do a hard credit check to increase. I am not late and my next payment is not due until XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Controlled Credit Corporation
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Controlled Credit Corporation XXXX XXXX. XXXX XXXX XXXX OH XXXX This company has already contacted me for debt payment regarding XXXX XXXX XXXX. The payment has already been made to some person calling from their office. No receipt or acknowledgement sent. 

They keep asking about the same debt that was being paid. It appears they dont keep records and continue harassing customers. 

As indicated by University of XXXX XXXX Billing supervisor, it is against the hospital policy to continue harassing about reporting to credit bureau, in addition to their mismanagement of customer records. 

1. Information regarding the debt : a ) The debt has already been settled. 
b ) They owe me a refund on the debt, since XXXX hospital was using this fraudulent charge ( outrageously charged my insurance ) for non specific services performed without the knowledge of the patient. 
c ) XXXX hospital has been proved a big fake trying to make money with deliberate and misleading diagnosis. For example, using a patient who is perfectly healthy as a disabled fellow and trying to get money out of him. 

2. And, XXXX hospitals employ a bunch of collection agencies to make sure they get the left over scraps from the patient, after their insurances are duly attested.

Company response to consumer: Closed with explanation