BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-22
Company: Conn's, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I was approved for a credit limit of {$3500.00} and I got electronics from the store ( which I found out was over priced ) for {$3400.00}. The product I was given was an open item. A laptop which had someones log in and i could not use it for 2 weeks until I had to fly back to XXXX to exchange it. Costing me 2 weeks back up of work. Later when I was about to make my first payment, instead of the {$200.00} that was agreed i got a bill for almost {$500.00} a month. I called the store and was told there has been a mistake and I will have to call corporate to sort it out. I did and the lady I spoke with at corporate told me to hold of on payment until a new contract is done and sent for me to e-sign. I never received any thing to resign but found out it was reduced to {$12000.00} which was still way more than what I was approved for. My credit report shows that I have a {$17000.00} balance with Conn Credit Corp. Increasing my DTI. I was only approved for {$3500.00} and I did not take products worth that much. I called again and after getting harassing calls from Conns to make payments every 30 to 40 minutes, they reduced it to {$10000.00} without me signing anything. It has been so frustrating and it keeps getting worse. They signed me up for 4 different unsolicited insurance policies that I did not request for. Unemployment, life, home owners and health insurance. I called again and after being transferred so many times I was told I have to go to the store to pick up the new contract which I did not sign for and the bill is still almost {$500.00} per month and I also will have to cancel the unsolicited insurance at the store. <P/>I ran a check at different stores for the prices for the same items I purchased and the original prices they sell them for and made a settlement offer to Conns so I could leave this behind. They declined the offered and have still not resolved the issues till not but but my voicemail gets full everyday because I get a call at least 2 times in one hour. <P/>I am willing to pay in full the real value of these items which is a total of about {$1400.00} and have Conns remove the credit reports on my credit as well as cancel the unsolicited insurance to resolve this issue. <P/>Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I mailed XXXX XXXX a letter dated XX/XX/2019 demanding that they update incorrect reporting to all three credit reporting agencies. XXXX XXXX mailed me a response dated XX/XX/2019 requesting information from me which I had previously mailed in my complaint.

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 2017-06-22
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have an account with One Main Financial. They are reporting interest that have not accrued yet on the loan monthly to all three Credit Bureaus. On my credit reports its stating I owe One Main Financial {$11000.00}. I only owe a balance of {$7400.00}. In the month ofXX/XX/XXXX, I disputed the amount they said I owe via certified mail to XXXX with my supporting documentation print out from One Main. XXXX received the information onXX/XX/XXXX. Weeks later, the correct balance was updated to the amount then that I owed which was {$7500.00}. Now this month One Main has updated it with a balance of {$11000.00} which is inaccurate. This month of XX/XX/XXXX I sent in via certified mail to XXXX along with my supporting documentation of how much I owe they received this information on XX/XX/XXXX, I called XXXX on today XX/XX/XXXX to see if my balance has been updated to the correct amount. The representative informed me it did, I then proceed to ask her what balance it was stating, she said, " it 's an update of {$11000.00} ''. I made her aware that the balance is still incorrect and informed her I even sent in supporting documentation that came from One Main saying how much I actually owe.This is an ongoing situation where they updated the correct balance when I first sent in the dispute to XXXX, now they are back to reporting an inaccurate balance to all three Credit Bureaus that I do n't currently owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I spoke with XXXX XXXX at BBVA compass in XXXX, Fl. About a home equity loan. I told XXXX XXXX specifically in the presence of my wife, XXXX XXXX, that I did not wish for a credit report to be run until I decided to apply for the loan. XXXX XXXX assured me no credit report would be run until I was ready. I arrived home today, XXXX XXXX, 2017 to find in the mail two credit reports had been run. When I called XXXX XXXX she matter of factly stated that credit reports are run when she submits inquiries about loans. I thought consumers had the right to be protected from this practice when they specifically requested it not be done. Please respond to me at XXXX With high regards. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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:
On XX/XX/XXXX I responded to a personalized offer received from USAA for the Limitless Cashback Rewards Visa Signature Card offering 2.5 % cash back. I was subsequently denied for the card. When I called in to inquire I was told I would receive a letter stating why I was denied. However, the only letter I received from USAA regarding this application was a notice saying I Was declined offering me the opportunity to open a secured credit card with them. There was no reason given for the denial, or other options or explanations. This came as a shock as it was a personalized offer sent and titled to me, which generally have higher acceptance rates due to their intentional targeting based of their knowledge of the targets current credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: NH
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, 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 2022-09-06
Company: EQUIFAX, INC.
State: NH
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, 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 2017-06-22
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX/XXXX/2016 sent a debt validation letter via certified mail and I never receive anything back from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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:
Despite the required advance notice required by law for credit card companies to close accounts, My Credit Cards were closed without any notice, reason, justification, or detailed explanation. A week or so after the accounts were closed I received letters stating the accounts would be closed due to inappropriate behavior. I inquired as to what this behavior was, as they had n't really been used in a while, and the only real thing I 'd done recently was file a complaint with the cfpb exercising my rights as one of my affected accounts USAA violated my consumer rights by placing a bunch of " transfer adjustments '' on one of my cards, with no warning, explanation or reason. When I inquired, I was told they reversed a billing dispute which had been finalized a year prior. Despite writing and telling me the billing dispute was found in my favor and final they still recharged me against the consumer laws, with no warning or explanation. They ignored my requests for documentation, yet have yet to even reaceive my monthly statemtn in months. As a result of filing a complaint, all of my credit cards were then closed without my knowledge. Only after they were closed did USAA send me anything telling me they were closed. However, they failed to provide a detailed explanation despite my repeated requests. Stating it was due to improper behavior, yet unable to comment or specify what this behavior was for each affected account.One of which had not been used in years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: IN
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:
Trying to buy a car and serious delinquency is showing on my report from XXXX XXXX. I have reviewed all 3 credit bureaus and can not find anything but all closed accounts and excellent pay history, long credit history. How can I fight this when no one else sees a delinquency? I called all bureas and was told nothing negative. I had a car accident in 2017, not my fault, waited for insurance to pay off car was my only thought but that was not it. Please help me get this removed from my reports.

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 2022-03-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
HI FOR THE LAST THREE YEARS COULD NOT GO BACK WORK DUE MY PROPLEMS FICCIAL I'LL APPLIE FOR XXXX ON XXXX XXXX XXXX AND STILL WORKING MY CASE I'LL HAVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX THY HAVE ALL MY INFORMATIO ON MY RECORD AT THE XXXX OFFICE

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 2019-03-23
Company: Experian Information Solutions 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:
The Summer of XX/XX/2018 I was denied a mortgage loan due to a charge off from XXXX XXXX credit card. I both mailed an account validation letter and disputed this debt with the credit bureaus and the credit card company several times. Only the credit bureaus responded that this debt was verified but showed no proof as I requested. XXXX XXXX still has not responded to any of my letters since XX/XX/2018. All I asked was that the credit bureaus show me how they verified this debt and what XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated. I really need to know why I haven't been shown proof of this after multiple disputes and certified letters letters sent.

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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX  account # XXXX and 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 2019-09-02
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - Jpmcb Card Service XX/XX/XXXX - XXXX XXXX   XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - Jpmcb Card Service XX/XX/XXXX - Jpmcb Card Service XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX Fraud Inquiries. They won't remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-23
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:
The Summer of XX/XX/2018 I was denied a mortgage loan due to a charge off from XXXX XXXX credit card. I both mailed an account validation letter and disputed this debt with the credit bureaus and the credit card company several times. Only the credit bureaus responded that this debt was verified but showed no proof as I requested. XXXX XXXX still has not responded to any of my letters since XX/XX/2018. All I asked was that the credit bureaus show me how they verified this debt and what XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated. I really need to know why I haven't been shown proof of this after multiple disputes and certified letters letters sent.

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 2021-05-05
Company: AmeriHome Mortgage Company, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my mortgage payment was process by Amerihome mortgage. There was two problems with this, first I did not include the nine in the written text on my check. The nine witch made the check read XXXX XXXX XXXX dollars and XXXX XXXX cents. Instead of XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents. Someone altered my check to read XXXX in the numerical box on my check. The second thing was that the XXXX was never given credit to my mortgage account. But was withdrawn from my XXXX XXXX account. I have now spent over a dozen phone calls and hours on the phone on hold to try to resolve the matter. We even did a three way phone call with a Amerihome representative and my XXXX XXXX representative for over two hours trying to resolve this. I call a few days later to get an up date and was told by Amerihome that my customer service case was closed because my account was current and not behind. This is because I had to double a mortgage payment to catch up for XXXX. .All I am asking is to apply the XXXX to my mortgage account. As I type this I have now been on hole for over 45min. Unable to reach a customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ), has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I mailed XXXX XXXX a letter dated XX/XX/2019 demanding that they update incorrect reporting to all three credit reporting agencies. XXXX XXXX mailed me a response dated XX/XX/2019 requesting information from me which I had previously mailed in my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Billing dispute for services

Complaint:
I SEND MORE THAN 5 DISPUTES LETTERS TO ALL 3 BUREAUS ( XXXX, TRANSUNION, XXXX ) AND A REPORT OF IDENTITY THEFT SINCE XX/XX/2022 THAT OVER 30 DAYS PASSED, THEY NEVER LIST THEM AS DISPUTES. 
I ALSO SEND 5 COMPLAINT LETTERS ON XX/XX/2022, THEY STILL HAVE NOT RESPONDED. 
The credit bureaus have to inquire why my letters are unaddressed within 30 days. 
CFPB has to contacts those credit bureaus to show the investigation that shows that the process was not completed within 30 days. 
CFPB has to require that the credit bureaus remove the negative items from my credit reports.

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 2022-03-10
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX  account # XXXX and 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 2022-03-10
Company: EQUIFAX, INC.
State: FL
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: Billing dispute for services

Complaint:
I SEND MORE THAN 5 DISPUTES LETTERS TO ALL 3 BUREAUS ( XXXX, XXXX, EQUIFAX ) AND A REPORT OF IDENTITY THEFT SINCE XX/XX/2022 THAT OVER 30 DAYS PASSED, THEY NEVER LIST THEM AS DISPUTES. 
I ALSO SEND 5 COMPLAINT LETTERS ON XX/XX/2022, THEY STILL HAVE NOT RESPONDED.

The credit bureaus have to inquire why my letters are unaddressed within 30 days.

CFPB has to contacts those credit bureaus to show the investigation that shows that the process was not completed within 30 days.

CFPB has to require that the credit bureaus remove the negative items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
midland credit management ( midland ) signed, returned registered letter REQUESTING midland stop.attempts to contact me.

Company response to consumer: Closed with explanation