BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Transunion has received a police report and continues sharing my credit file. Additionally, there are XXXX credit inquiries that are fraudulent and unauthorized that they refuse to remove. 
XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry 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 2022-07-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/22, I tried to access my checking accounts via the XXXX XXXX  and received the error " We locked your account due to suspicious activity. Call us to unlock it. '' I called on XX/XX/22 ( a Friday ) and was told an account that I had just opened online ( at the bank 's recommendation ) was locked because my wife had used her XXXX app to make a deposit. So we had to go into a branch with ID to prove we made the deposit. Frustrating, but ok. In the meantime, ALL of my checking accounts, savings accounts, and credit cards can not be accessed either via the app or the bank 's website. Since I have paperless billing, that means I can not make payments on my credit card or pay other bills over the weekend. 

I called Monday morning to make an appointment at the local branch. An automated system informed me I had to make the appointment on the website. But, I am locked out of the website, so that's not possible. 

I called the local branch and was redirected to the central customer service office. After navigating the automated system to finally get to a person, she immediately transferred me to another department that had a wait time greater than XXXX minutes ( just to make an appointment! ). Realizing that this dept would be unlikely to actually be able to schedule an appointment, I tried again, navigated a bit differently, and reached a point where the system said no one was available to take my call and hung up on me. 

The last XXXX times I dropped by the local ( XXXX XXXX ) branch for assistance, I was told they couldn't help me because all available staff were helping people with appointments until closing time. So I believe I need to make an appointment, but it appears to be impossible in this situation. 

I still can not access any of my accounts and it is not at all clear what I need to do to regain that access.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: The CBE Group, 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: Old information reappears or never goes away

Complaint:
There is a account that appeared on my credit as XXXX XXXX and I disputed it XX/XX/2019 and it was removed. It next appeared as XXXX XXXX same account disputed it and it was deleted in XXXX of 2019. Now its been sold to CBE group and theyre back on my credit. I will like to report this account that keeps being sold and negative on my credit as it has been deleted multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Their is a property foreclosure sale set for my home XX/XX/XXXX. The state of Tennessee requires a 30 day notice be given prior to a property foreclosure sale being set, the letter is dated XX/XX/XXXX and the sale is XX/XX/XXXX. I have resubmitted a modification request and financials. I do want to keep my house. I need your help to assist me in getting my mortgage modified. i want to keep my home. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: CL Holdings 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 status incorrect

Complaint:
Jefferson Capital and XXXX XXXX Credit Card settled my account assuring me it would be removed from my credit report. I was deceived into paying off my account. The Credit Bureaus says now they won't remove XXXX XXXX Credit card from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Trying to collect on debts that I do not owe I do not have no form of signed credit obligations with Midland Credit Management never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Chime Financial Inc
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account with chime was done up until I got upset and said I wanted to close out my account. All of sudden I have no access to my account and are claiming fraud. 

I was upset because they claimed to have send me a replacement card but it was over XXXX  months and hadnt received the XXXX they sent. So I contacted them and was extremely upset. After communicating that I wanted to close out my account, they took access away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I Submitted On numerous occasions the inaccurate reporting on my credit file for aXXXX XXXX XXXX. they immedicably don't provide me the proper investigation on my credit report. they are hurting my file and character as reporting inaccurate information. they don't send me any proof to validate this inaccurate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
Dear CFPB I 'm extremely disappointed on how Discover conveys information to customers like myself. Neither the monthly statement nor Discover credit card website indicates ANYWHERE the expiring date of the promotional APR rate. I have contacted Discover live chat service last Saturday asking when the promotional rate would expire and where I could find this information. The answers were that promotional rate was already expired on XXXX XXXX and that this information would have been available ONLY in the initial welcome documents. This is unfair and unacceptable in my point of view. All other major credit card companies do explicitly indicate both in the monthly statements and in the website the expiring date informing as such properly the customers to avoid occurring interest charges. Actually the statement ending on XXXX XXXX was still indicating 0 % APR on the balance and there was NO WARNINGS whatsoever that it was the last period at 0 %. I 'm afraid to say that the lack of info seems done by Discover on purpose to have as much as possible customers carrying forward their balance outside the promotional period therefore ( consent me the strong statement ) with a deliberate dishonest attitude by Discover. I asked Discover management to reconsider the interest charged and bring them to XXXX since as a matter of fact no information was provided in the website and in the monthly statements with regard the expiring date of the promotional rate but at the moment there was no concrete action from Discover side except to thank me about the feedback and confirming they are striving to provide an excellent service to their customers. I confirmed to them my disappoint about their suspicious lack of information. 
Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX, This company has run inquires on my credit 40 times, I have never applied for anything with this company. Please stop this company from doing this.

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 2020-07-07
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company calling Stating I owe a debt I wasnt aware of it not the debt Even old to the XXXX Jefferson capital Llc owed to them I dont owe them I sent a letter asking for original contacts no information came yet a still reporting on my credit report the company name is Jefferson capital Llc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19
Company: Experian Information Solutions Inc.
State: GA
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/XXXX I have spoken to all three credit bureaus and was a recent victim of identity theft and have yet to have any communication with them on removing the inquiries this affect have caused me to be denied credit line increases and more Also credit bureaus have failed to update proper information on a vehicle that was paid off still reflects as if I owe on the car still

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 2016-02-09
Company: DISCOVER BANK
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I completely paid off Discover Card pursuant to an agreement ( attached herein ) from XX/XX/XXXX - XX/XX/XXXX ( as agreed ). Approximately four years later I found out ( in XX/XX/XXXX ) that they filed a judgment against me in XX/XX/XXXX even though I have proof of payment ( see attached copies of checks ). I have been trying to get them to talk to me since XXXX, but to no avail. I have sent by certified mail letters to all of the CRA 's and they failed to remove this debt even though I sent them copies of the checks and agreement. They ( Discover ) refuse to remove the judgment from my credit report ; they can not find my file ; they can not prove I owe the debt. I sent them the agreement and copies of the checks and they have never responded or sent any documentation they have on file to show I owe this debt. Apparently this debt has changed hands several times between debt collectors and they can not show that I have not paid. They did not even have my SS # until I sent it to their representative 3 weeks ago. Still no response. I feel they have violated UDAAP and the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On or about XX/XX/2020 I tried to establish an account online with PNC bank. After getting through most of the procedure, I was thrown out of the process and given information to contact XXXX XXXX. I did that, but could not understand how the information I received prevented me from establishing the account!!!!! I still don't. 

On XX/XX/2020, I called PNC directly. I guided through the process quite professionally by a representative. But, again, was told that it could not be completed because of some reason. The rep could said she did not have the information, but that I would receive a letter in the mail detailing the reasoning. I am awaiting this letter know. 

There are basically two complaints I have the process used to establish the account. 
Online : I'm over XXXX. Some of the questions asked are so far in the past, it would be amazing for me to remember the phone number, address, or whatever. Some things do shade a little light. But one on the questions about an old address, was totally wrong. None of them were my old address. 
In general this process allows for picking-and-choosing who you want as a customer. Last week I established 2 new accounts with 2 different banks. The process wasn't exactly smooth, but it worked. 
I do comparisons on almost everything and PNCs virtual wallet was an excellent choice for me. But, to not be able to tell me, immediately, why I'm rejected is suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
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 status incorrect

Complaint:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX not mine

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 2015-03-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving numerous calls from Midland Credit, they are looking for someone else, not me for over a month. sometimes it is automated and they just ring the phone, I called them back XXXX times and asked them to take off my number, calls keep coming. Today I spoke to a person that said he would remove it from the automated calls and now the manual calls have begun.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a notification that a new inquiry was added to my credit profile and I DID NOT apply for a new credit line or account. I am requesting that the following inquiries get removed ASAP as they are negatively effecting my Mortgage decision. I am scheduled to relocate next month and my family and I desperately need this mortgage approval. Please remove them. Thank you in advance for your assistance! 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2019-12-26
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ditech has denied my request to remove the PMI from my loan. This has been an ongoing struggle with them. In XX/XX/XXXX we reqeusted to have PMI removed from our loan and when they appraised our house, the appraisal came in at {$330000.00} which was 75.79 % LTV. Just short of the percentage where it could be removed.

In XX/XX/XXXX, we made the request to have PMI removed from our loan again. We have made our payments on time and the values of the homes in our area have gone up in the last two years. Ditech again had someone come out to do an appraisal. When that appraisal was completed, we were never sent a copy of it and we were told there was " a problem '' with the appraisal. Ditech said a second appraisal needed to be done. A second appraisal was done and the value of our home was set at {$310000.00} - {$19000.00} less than what it was appraised at two years ago. As soon as this appraisal came in, Ditech denied our request to remove our PMI because the percentage of LTV was 76.74 % - just short of the percentage where it could be removed.
After multiple requests, we have never been given a copy of the original appraisal and I believe that is because it appraised our home much higher than {$330000.00} and Ditech wold have needed to remove our PMI. After looking at reviews of the second appraiser online, there are frequent references to how low the appraiser tends to skew home values and the comps she used for our home 's value were far outside of our neighborhood. She made the claim that there were not enough recent sales in our neighborhood to give a good reference so she went very far outside of our neighborhood for comps. It is obvious that she cherry-picked comps that gave Ditech the number they wanted from her so they could deny our request.

I am now having a third independent appraisal done on my home by an appraiser I trust. Ditech is obviously trying to make sure I can not remove my PMI by replacing appraisals that do not benefit them with appraisals that do benefit them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a notification that a new inquiry was added to my credit profile and I DID NOT apply for a new credit line or account. I am requesting that the following inquiries get removed ASAP as they are negatively effecting my Mortgage decision. I am scheduled to relocate next month and my family and I desperately need this mortgage approval. Please remove them. Thank you in advance for your assistance! 

XX/XX/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 2019-12-26
Company: Premier Student Loan Center
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was contacted by Premiere Student Loan on XX/XX/2018 & started a forgiveness plan with them. They told me my student loans would be lowered to {$2400.00}, but I had to pay them 6 monthly payments of {$190.00} and then it would drop to $ XXXX/month and I could not pay more than this.

I tried reaching out with questions regarding my student loans & interest & spoke with a FSA representative & they informed me that I was paying $ XXXX/month for their services that I wasnt actually received & that my student loans still reflected {$10000.00} plus interest.

I was later notified by the Bureau of Financial & Consumer Protection that there was a lawsuit against Premiere Student Loan.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax has reported incorrect information on my credit file from XXXX XXXX/XXXX  trying to collect on this account I do not owe. This company never sent me any information and I want this account remove immediately. Equifax and XXXX properties and broken the law 15 U.S. Code 1692g.Validation of debts. This company did not send me anything or verify anything. This company purchased a debt that I don't owe and I want it removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
IVE BEEN DISPUTING A FEW ACCTS IN MY REPORT THAT ARE IDENTITY THEFT ACCTS AND ADDRESSES AND THESE ADDRESSES AND ACCTS ARE STILL ON MY CREDIT REPORT IVE PROVIDED FTC AFFADAVIT, IDENTITY THEFT REPORT FROM POLICE DEPT. AND XXXX LETTER FORM XXXX TO BLOCK ALL NEGATIVE REPORTING FROM REPORT BUT ITEMS ARE STILL ON MY REPORT PENALIZING ME WHICH IS VERY UNFAIR TO ANY CONSUMER GOING THROUGH A IDENTITY THEFT CASE. XXXX XXXX TOLD CRA IT WAS ME BUT NOONE HAS SENT ME ANY DOCUMENTS PROVING THEIR CLAIM ITS BEEN 4 MOS NOW AND STILL NO DOCUMENTS I EVEN HAVE FRAUD ADDRESSES I CANT GET REMOVED FROM MY CREDIT DUE TO CREDITOR SAYING ITS ME BUT AGAIN IVE RECIEVED NO DOCUMENTATION PROVING THESE ITEMS ARE MINE .IVE PROVIDED ALL MY DOCUMENTATION STATING ITS NOT ME BUT AND IM STILL GETTING SAME RESULTS FROM CREDITOR AND THEYVE DONE NOTHING BY LAW TO PROVE OTHERWISE WHICH IS UNFAIR TO ME AS A CONSUMER ... XXXX SAME OUTCOME XXXX XXXX XXXX XXXX SAME OUTCOME AND NONE OF THESE ITEMS HAVE BEEN VALIDATED TO BE DEEMED AS MINE BY FCRA

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