BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
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:
XXXX, Transunion and XXXX have been allowing someone to run my name and social and I have been getting hit with hard inquiries that are fraudulent and causing my credit score to fall XXXX Fraud dispute number XXXX I also called XXXX and Transunion XX/XX/2022 and filed fraud claims as well XXXX is reporting XXXX hard inquires on my credit file and I had XXXX inquiries last month when I called to check upon speaking with the XXXX agent she made me aware that there were XXXX inquiries besides the one that I call about and when I checked it was indeed old fraudulent inquires that were disputer from my account years ago that they placed back on my file!

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 2022-04-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2015-11-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Balance transfer fee

Complaint:
Chase Amazon ( Chase ) is confusing its customers with balance transfer offers & purchases made on the same Chase card account. Supposedly, a balance transfer offer of % interest for a specified period of time, usually 12 months, ( with a 2 % upfront ) fee, suddenly is changed to an 18.24 % interest when both the purchases & Balance Transfer are lumped together, making void the interest free period. I am being charged for XXXX separate transactions as if they 're XXXX transaction. This is deceptive. No matter they tell you when you do the balance transfer that any purchases made, in addition to the transfer, you will be charged interest each month until t he entire amount is paid off completely. This is confusing to anyone who is not an accountant & just another way the bank is charging its customers unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: NY
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 understand that this account with XXXX listed on the credit report needs to be reporting accurately and complete according to the FCRA. Since XXXX of XXXX, I have in back and forth correspondence with the 3 credit bureaus outlining the issues with this account reporting. This account information does NOT reflect accurately and in return, the FACT IN POINT is that this account is in violation of the law AFTER I expressed my concern and showed the error. I have a confirmation from the credit bureaus AND from XXXX ( SEC 1681 ) that they performed their investigation. After reviewing my newest credit reports, I can see the inconsistent information STILL affecting my credit. 

ISSUE # 1 : XXXX DELETED this account after I expressed the issue to them. HOW could they see the issue YET Experian and XXXX  NOT see the issue. There was NO actual investigation done! 

ISSUE # 2 HIGH BALANCE is incorrect. Experian is reporting {$3500.00} and XXXX  is reporting {$3500.00}. 

ISSUE # 3 : Date of first delinquency ... This is reporting inaccurately with XXXX of XXXX on Experian and XXXX of XXXX on XXXX. That's over 60 days.. How is this even possible if there was an actual investigation ISSUE : Experian or XXXX Intentionally REMOVED the positive reporting for XXXX and XXXX of XXXX. They are manipulating my score. This ND reporting for multiple months is misrepresenting my account history. And seems completely intentional to hurt my financial health I have included the images of the reports that were sent to my house. I am highlighting the errors still existing today. There was no investigation because the information is still violating the FCRA. I understand my rights and for me to keep mailing letters costs me money and time. Both if which I will seek compensation for if this is not fixed NOW.

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 2020-03-24
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to request your help. MACYS/DSNB is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : XXXX /Date opened XX/XX/XXXX/ Charged off/ Status closed/ Bal {$900.00} This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from 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 2015-05-15
Company: Altisource Portfolio Solutions, S.à r.l.
State: MA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Nationwide Credit , Inc. ( " NCI '' ) frequently contacts me more than once per day and more than federal laws allow. At times, the telephone calls take place up to XXXX times in a single XXXX hour period. See attached copy of the XXXX XXXX, 2015 demand letter for additional details and examples. 

Although NCI received the demand letter on XXXX XXXX, 2015, they continue to call me repeatedly. XXXX has called me no less than XXXX times between XXXX XXXX and the present date. See attached : copy of certified mail receipt ( front and rear views ) and photographs of my cellular telephone log. 

NCI also violates federal law by failing to provide me with the information to which I am legally entitled. On XXXX XXXX, 2015, I verbally communicated a request to receive both a verification of my debt and a current statement of my account to a collection agent known to me only as " XXXX. '' Although this person told me that I can expect to receive the requested information and that it would come from a Pennsylvania address, I never received anything from NCI. For this reason, I have no contacts, monthly statements, receipts or additional correspondence to submit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: CARD Corporation
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card, with account number, in the mail. I did not open an account or solicit a debit card from the company, " Card.com ''. My name and address are correct on the mailing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have several inquiries on my credit report I didn't authorize. 

XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX 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 2015-08-22
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
eGS Credit did a hard inquiry on my credit reports without my permission or knowledge which affects my credit. I want the inquiries removed asap. I did not apply for a loan and not of your boxes applies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan
Issue: Can't contact lender

Complaint:
Hello, i would like information on trying to pay a old payday loan back with realistic amounts. My amount owed was {$580.00}, i paid {$100.00} on XXXX XXXX. The remaning XXXX was schulded to be paid back XXXX of XXXX XXXX. I did n't have the money at the time so i call back on the XXXX of XXXX with hopes to make a new arrangement. XXXX refused to accept a different payment. I have until the end of the month to make a payment but now i cnt contact the loan office. My calls are not being answered and i an up for a XXXX garnishment when i can pay XXXX in little payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022, someone used my Social Security Number and potentially other sensitive information to open a checking account with Chase Bank. The fraudster used a counterfeit US Treasury CheckXXXXEconomic Relief with my name and address on the check for the amount of {$600.00}. On XX/XX/2022, Chase reported the fraudulent check to my address with a copy of the counterfeit check in question. I received both the notification letter, along with a debit card associated with the new bank account in my mail on the morning of XX/XX/2022. I reported the fraud immediately to Chase after these documents and card. Chase has since closed the account and all online access into it, and has filed an internal investigation on the matter. I have also taken steps to report the ID Theft to my local police and filed an investigation on the matter separate from the bank. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I spoke with TransUnion on XX/XX/XXXX and spoke with a US representative to correct unauthorized inquiries on my credit report. There were inquiries removed during the breach of XX/XX/XXXX and XX/XX/XXXX that were reinserted. I DID NOT receive a written 5 day notice informing me of the breach or TransUnion reinserting the inquiries. The representative told me that I am not required to receive one for inquiries. This is a Violation of the FCRA. TransUnion can not continue to violate my rights.

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 2016-08-03
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have a parent plus loan I obtained for my son around XX/XX/XXXX. I am confused as to exactly what kind it was now, but it was for {$25000.00}. I made monthly payments faithfully beginning after his college graduation in XX/XX/XXXX. In XX/XX/XXXX I filed bankruptcy, but it was never confirmed and therefore dismissed in XX/XX/XXXX. After the dismissal I called the loan company ( XXXX XXXX ) to inform them I wanted to resume payments. The account is now with Navient. This company says they have " no record '' of payments prior to XX/XX/XXXX when they received the account. 
I called Navient at XXXX on or about XXXX XXXX, XXXX. The representative told me had to send PROOF of payments. I did, as payments were verified by the bank manager and properly stamped. I mailed an accompanying letter to Navient to the address they provided requesting a balance review and reduction. I have made XXXX calls and nothing has happened. All I have been sent is their " payment history '' which only goes back to XX/XX/XXXX!? 
That is not what I asked for. I have the requested proof of payment all the way back to XXXX. What is the problem? 
This loan is grouped with other private loans through XXXX XXXX that I began repayment for in XX/XX/XXXX. I could not check both boxes at the top but all are/were consolidated and grouped together now with Navient. Why have n't my previous payments been included as far back as XX/XX/XXXX? I want my balance adjusted reflecting all past payments back to XXXX XXXX. I have provided the proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: PNC Bank N.A.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC Bank has been paying other taxes from my escrow account that are not my property taxes which keeps making my escrow account have a shortage which is increasing my payment. I have asked them numerous times to stop doing this. My mortgage payment should only include my principal, interest, property taxes, and homeowners insurance. They should not be paying anything else out of this account. 

I have tried to fix with PNC but they have done nothing. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 traded a vehicle with XXXX XXXX back in early XX/XX/XXXX and it took over 2 months for then to payoff the vehicle with XXXX XXXX causing my credit report to reflect my account being 3 payments late and a drop in my credit score.

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 2018-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX inquiry 3 times on my credit report. Company said I wouldnt see inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Pioneer Capital Solutions Inc
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This should not be in my credit report. This collection agency reported this to the  XXXX  credit bureaus and they should not be in my credit report and I do not owe  Pioneer Capital Solution anything I want them provide me of contract a sign with th em.

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 2022-04-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered XXXX ottomans through XXXX with my synchrony bank/ snazon credit card back on XX/XX/2021. Merchandise was supposed to have been delivered to my house no later th a n XX/XX/2021. Total amount was XXXX. I am on 6 months deferred payments and made my first payment XX/XX/2021 of XXXX to date I have not received merchandise. I contacted synchrony bank and they told me account is under investigation but that XXXX XXXX and XXXX show items delivered. XXXX web XXXX ite shows delivered to a garage. My house has NO garage. To date I am still waiting on refund and am b e ING charged late fees while account is still under investigation

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 2017-05-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Portfolio Recovery, (   XXXX   ),   XXXX , calling after  XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I had late payments popup on my credit reports that I did n't know I had. I asked Navient to waive them last year as a courtesy due to I was not notified and they refused. I also called to ask what my repayment options were and why it was so much more money than before. I was told that my payments would be {$250.00} for each separate loan per month. That is way too much money and I do n't feel as though I have been properly informed of my rights and options. Additionally, I keep getting notifications from the credit Bureaus each time they change the amount of my loans. Why am I not being notified of the constant increases and decreases ahead of time? I feel as though I 'm being given no real options and explanation of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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: Information belongs to someone else

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