BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Hello, you are reporting unverified accounts on my credit profile. By continuing to do so they are in violation of 15 U.S.C. 1681. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. 

I have sent multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) of the accounts that you are reporting on my credit report in the form of disputes. Every one of my requests has been ignored. Your company 's continued ignoring of my multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) has and is hindering my ability to obtain credit. 

My most recent request for proof of verification of the unverified accounts was sent out on the XX/XX/2020. 

I am simply requesting that the credit reporting agencies properly verifiy accounts they are reporting on my credit profile and send me proof of verification or simply delete them, which they have ignored those requests time and time again so I am reaching out to you and asking for your assistance in this situation. 

Thanks in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
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 paid off accounts on my credit, the balances still showed on my trans union credit file, I filed a dispute, it went thru the process 30 days, I received an email telling me my updated credit file was available, when I looked on my trans union account, 2 accounts were still showing one for XXXX XXXX XXXX for {$29000.00} and one for XXXX XXXX XXXX for {$8900.00}. I called trans union and was told they could only file another dispute, I told them no they should have gotten it correct the first time, im waiting to get some financial things done on my account and now still have to wait, they seem reluctant to help, with what they should have gotten correct the first time.

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 2017-09-25
Company: EQUIFAX, INC.
State: MS
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: Didn't receive services that were advertised

Complaint:
I have been paying XXXX a month for a service that dont work. I called several times and the employees didnt understand. They would give me a number to call for global services and I ended up back speaking to the sameness people. Very frustrating to explain the problem to 8 different people in one day and still no results. This has happened before so I canceled the service and restarted it and now its doing the same thing. I do y have money to throw away. I am really afraid that my credit isnt being monitored at all. The report does not update nor the alerts. They had the nerves to tel me I have pulled my credit too many times. That I needed to verify my identity by sending in proof. Ive done that and still no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX failed to provide me proper services. I had spend countless hours with them. I finally gave up and cancelled services they agreed for certain credit and asked me to pay certain amount, which I paid immediately. They later on have decided no they can't I have no idea why. They kept sending me letter. I contacted them on few occasions and every time they said they will get it resolved, I should not worry. XXXX later on sold my account to collection company XXXX I spoke to collection company they agreed to put the account in dispute and not to inform credit bureau. They said they will contact XXXX and get it resolved. Well they didn't and reported to credit bureau. I called XXXX today they said they have sold my account so they don't care. I requested for the transcript of my conversations. They pretty much refused. How can organization like XXXX do that to their customer. In fact they owe me money for time energy frustration and I couldn't work for months because of service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
On XX/XX/2018, I visited to XXXX XXXX in XXXX XXXX MD to check out a vehicle I wanted and get a purchase order from them. I went in already having financing from my credit union. While at the dealership the salesperson had me to do a " hold contract '' ( which required an application with my social security number ) to hold the vehicle for me granted that I made a down payment that day then once I came back with the check from the credit union they would void the " hold contract ''. I only authorized XXXX XXXX to run my credit for the sole purpose of the " hold contract ''. But since then, I've been getting credit notifications about multiple hard inquiries being made on my credit report that I haven't authorized. Those hard inquiries include : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX all of which I didn't not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Dear CFPB Mediator, I filed a complaint # XXXX on Bank of America credit card with regard to being tricked out of my card opening bonus of {$300.00} on XXXX. 
I received an email on XXXX from Regulatory Complaints Dept. of Bank of America, which says, Our Regulatory Complaints team has received correspondence on your behalf from the CFPB. I am your dedicated point of contact until this matter is resolved. Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/XXXXto confirm that information. 
Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. My days and hours of operation are Monday through Friday, XXXX XXXX XXXX XXXX XXXX. Pacific. 
I called the number in the email 5 times during Monday through Friday, XXXX XXXX XXXX XXXX XXXX Pacific. Each and every single time, I was directed to a voicemail, and there is a warning message, saying the number belongs to a collector. 
This seems further trick on me. Im very sorry that Bank of America credit card uses a collector to deal with clients who file CFPB complaints against it.

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 2018-05-26
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am in the XXXX XXXX and I had my repossessed car returned to me. I agreed to the terms of the loan being rewritten under the new interest rate of 6 %. I have added my mother to my loan to manage it. I sent the email to XXXX XXXX he confirmed that this took place. My mother has made several calls to pay my loan with no luck. I will soon have a late fee and a ding to my credit due to her not being able to make any payments. I was also told that my loan started over when the car was returned to me which did not happen. There was also extensive electrical damage done to my car in which I have forwarded some of the bills to XXXX XXXX. He said that he would call us back to settle this matter but never did. My mother called this past week and spoke to XXXX XXXX and was told Im busy right now Ill call you back which he never did. All we want to do is have this loan rewritten as agreed and make a payment. My mother is the only one who can do this until I return from training. I was also told that the repo that appears on my credit would be taken off and that has not happen either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Preventing a service I've authorized from accessing my financial data

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: WESTERN UNION COMPANY, THE
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
WESTERN UNION FAILED TO FURNISH ALL DOMESTCI FRAUD INDUCED MONEY XXXX  FROM ME TO OTHER PARTIES. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Complainant submitted payment to Merchant ( Barclays ) on XX/XX/2020 - several days prior to the due date of XX/XX/XXXX. Merchant failed to post payment until XX/XX/2020, thus putting Complainant into " late payment '' status. 

Merchant failed to issue account statement for period of XX/XX/2020. Complainant recognized on XX/XX/XXXX - seven days AFTER payment was due - that Merchant had failed to provide statement. 

Merchant 's failure to timely post Complainant 's payment in XXXX caused Merchant to retroactively charge promotional interest deferral to Complainant. Complainant immediately called Merchant on XX/XX/XXXX to initiate correction. 

Merchant refused to remove interest, and also notified Complainant that Merchant " has reported the account delinquent to the credit reporting agencies. '' At no time prior to Complainant 's initiation of contact with Merchant on XX/XX/XXXX did Merchant attempt to contact Complainant for any reason. Merchant did NOT issue account statement to Complainant. Merchant did NOT attempt to contact Complainant to inform its intention to report Complainant account as past due.

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 2018-05-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My access to my financial data through a third party ( XXXX XXXX ) is being blocked even though I've authorized them.

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 2020-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 HAVE BEEN A VICTIM OF IDENTITY THEFT BEFORE. I REMEMBER REQUESTING AWHILE AGO THAT A FRAUD ALERT BE PLACE ON MY CREDIT REPORT. BUT AFTER EXAMINING MY REPORT TODAY, I STILL SEE THAT THERE IS A BUNCH OF FRAUDULENT INFORMATION STILL APPEARING IN MY CREDIT REPORTS FROM ALL 3 MAJOR CREDIT BUREAUS ( XXXX, XXXX   TRANSUNION ). THIS FRAUDULENT INFORMATION INCLUDES CLOSED ACCOUNTS, COLLECTIONS ACCOUNTS, WRONG NAME, S WRONG EMPLOYERS, WRONG ADDRESSES AND INQUIRIES. I WILL LIKE ALL THE CREDIT BUREAUS TO REMOVE AND BLOCK THIS INFORMATION FROM APPEARING ON MY CREDIT REPORT AGAIN. IF NOT ALREADY ON MY REPORT I WILL LIKE AN EXTENDED FRAUD ALERT TO BE ADDED ON MY REPORT. I HAVE NO IDEA WHO THESE ACCOUNTS BELONG TO AND I HAVE NEVER RECEIVED ANY TYPE OF GOODS OR SERVICES FROM ANY OF THE COMPANIES LISTED IN THIS REPORT AND IN MY FTC AFFIDAVIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO IDEA WHO USED MY INFORMATION OR HOW MY INFORMATION BECAME COMPROMISED. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNKNOWN XXXX XX/XX/XXXX UNKNOWN XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX I XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, WA XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, OK 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 2021-03-23
Company: Shellpoint Partners, LLC
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 information incorrect

Complaint:
We were recently granted a modification to our home loan with Shellpoint Mortgage Servicing.. The trial period for the modification was completed. Per the terms of the modification any previously reported late payments were to be erased and removed from our file. However the late payments are still showing up after repeated requests for them to honor their side of the modification terms. This is creating a negative impact on my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Direct Capital
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company calls from various phone numbers and they are very rude. They call my wife and harass her about a debt that she does not know about about. They talk with her about debt and confirm my SSN and info, which they did not check with me first. This guy tells my wife he is going to sue her and take everything and trys to scare her into paying. At one point my wife offered to make a payment, which her card was declined. She never received a call back to confirm payment. 20 days later this company calls from XXXX and they say they will seek legal action immediately. They called 3 times within a 2 min window. My wife asked for the operator ID of the person she was speaking too to write a complaint and the call was disconnected. This debt has disputed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Incorrect foreclosure reporting dates, and incorrect reporting of a late payment on an account that does not belong to me, Carrington mortgage services llc reporting to credit bureau, that I was late on a mortgage payment in XXXX, for a property I have'nt owned since XXXX, error still comming up on credit report in XXXX, I have the sheriff sale document, dated XX/XX/XXXX proof that, I could not have owned the property in XXXX, or XXXX, nor could I have been late on a property that idont own, when I contacted them about the issue they said there was nothing that they could do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$22000.00}, {$42000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XXXX  XXXX, XXXX with a credit limit of {$42000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$22000.00}, {$42000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$42000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I've applied for a second round PPP loan that is facilitated through Chase bank. After completing a first application I was denied and the reason stated " Insufficient evidence of business having employees on XX/XX/XXXX ; Missing 4 quarters of state payroll and unemployment insurance tax docs for elected period ; XXXX XXXX XXXX XXXX did not provide either XXXX or XXXX Tax Return ; Unable to verify average monthly payroll cost from information you provided '' All documents which were included in the application. I called Chase to figure out what was wrong and they verified nothing was missing or incomplete. I resubmitted another application to receive the denial of " Insufficient evidence of business operating on XX/XX/XXXX. '' Again documentation was verified as received when calling Chase. They have held on to this application for three weeks to send a denial email that is false. Prior to the denial, while checking the status of the loan it stated " awaiting SBA approval. '' I've contacted the SBA and they assured me none of the loans come to them. It's completely up to the lender to verify, approve and issue the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Creditor's Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Recently received a collection notice from Creditor 's Collection Service , Inc . They claim I owe a balance of {$75.00} to XXXX XXXX for a XXXX provided on XX/XX/2021 by " XXXX '' at XXXX XXXX. XXXX. XXXX. I have had numerous conversations and correspondence with their billing office, who assured me they would look into it. I have provided them with copies of checks and an online payment to prove I have made six payments of {$75.00} ( am also forwarding same to above referenced XXXX XXXX ). They continue to insist I owe them {$75.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: JPMORGAN CHASE & CO.
State: NJ
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:
JP Morgan Chase pulled my credit report three times in XXXX of 2021, and I only applied once.

Company response to consumer: Closed with explanation