BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Ive submitted disputes to both transunion and XXXX on XX/XX/XXXX for Account number XXXX I have been told that the account has been verified. However the information sent by the debt collector is outdated. The Proof of validation that was sent to me was an expired lease signed in XXXX. The lease terms clearly state the initial lease beginning XX/XX/XXXX to XX/XX/XXXX. The dates for the charges sent by the debt collector show a notice given date and move out date of XX/XX/XXXX. the debt collector has failed on multiple occasions to appropriately provide proof to validate the collection. This inaccuracy has plagued my credit for XXXX years and after multiple disputes the bureaus refuse to properly investigate my claims.

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 2020-10-08
Company: SYNCHRONY FINANCIAL
State: NC
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:
The was an illegal inquiry/pull of my credit report by syncb paypal in XXXX. XXXX is displaying illegal and allowing illegal use of my credit report. I don't have and never had account with syncb paypal or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after syncb PayPal sent letters that acknowledged this XXXX  and XXXX XXXX continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also XXXX  stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. My name, social security number, and address has not changes ever. All the same. All documents have been attached including SYNCB/PAYPAL acknowledgement of illegal account and the request to delete it from XXXX  XXXX, false statements made on behalf of XXXX  and fake letters they said they 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 2021-07-21
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that AD Astra Recovery would verify the debt. So I took it upon myself to ask AD Astra Recovery for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had decided to cancel my homeowners insurance with one company, and go with another company 2 months prior to the end date of the policy. I had gone to a local branch to inform of the change, and make sure the company that I was leaving would not be paid and the new one would be paid for the upcoming year renewal. The representative took down all the information, and stated that she would make sure the now old insurance company would n't be paid, and would only release a payment to the new insurance company. I received a notice this week to inform that both insurance companies have been paid in a total amount over {$2400.00}. After paying two different insurance company Bank of America ran an out-of-cycle escrow analysis report knowing that two insurance companies had been paid ; which will cause my mortgage payment to increase effective XX/XX/XXXX, 2018 close to {$200.00}. I have contacted the branch representative who stated that she had forgot to get the information over to the mortgage company, and it was my responsibility to contact the insurance company to get the refund back on a cancelled policy. I was informed by the insurance company that a refund could take up to 7 weeks. In the meantime, the mortgage company knowing that an error was made on there end will not remove the escrow analysis which will cause the mortgage payment to increase.

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 2017-10-23
Company: Experian Information Solutions Inc.
State: GA
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:
Bankruptcy reported on XXXX and Experian credit report. I disputed the entries directly with each credit reporting agency. The credit bureau responded that the information was verified by XXXX XXXX, XXXX XXXX. However, I contacted XXXX XXXX and was advised that my file has been frozen since XXXX XXXX and no information has been verified. I also contacted US Bankruptcy Court and was notified that they do not do provide information to third parties. Therefore, I conclude that the response provided to me by the credit reporting agency has not been verified and is an automatic response. I have spoken with personnel at the US Bankruptcy Court and XXXX XXXX to confirm the accuracy of my conclusion.

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 2017-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XXXX XXXX, 2016 I called and spoke with a transuion regarding identity theft and unauthorized solicitation of my credit representative informed me that I needed to add a fraud alert on my account and that they would delete the inquiries, and incorrect addresses listed on the profile however non of the above has happen

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 2021-07-21
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I signed up for a Citi XXXX Promotion through my Citi XXXX XXXX, promising {$700.00} if I added {$50000.00} or more ( new to Citi ) to a new Citi Priority Checking and/or Savings combined and hold them for 60 days. By XX/XX/XXXX, I deposited {$57000.00} into the Checking and Savings from non-Citi Banks, and maintained at least {$50000.00} combined since that date. I was supposed to qualify after 60 days from XX/XX/XXXX, however I did not get notified about my qualification, so I called and asked and they created an inquiry for me on XX/XX/XXXX. On XXXX/XXXX/XXXX they notified me that I did not qualify for the promotion because I did not maintain the {$50000.00} minimum balance, which was untrue. I called back on XX/XX/XXXX and the Supervisor agreed with me, and created a note to reopen the investigation due to his review that I qualified. I called back on XX/XX/XXXX because I had not heard back, and they had no record of the call that I had on XX/XX/XXXX and that all they could do was open another inquiry for me. Another inquiry was made on XX/XX/XXXX and on XX/XX/XXXX I was rejected again saying that I did not maintain the minimum balance, which was again untrue. On XX/XX/XXXX I called to submit a complaint and was promptly hung up on, and once I was finally able to connect with someone again, all they were able to do was submit another inquiry that would take another 5-10 Business Days. I still do not have a record of them even creating this inquiry, so I have come to the CFPB since Citi refuses to cooperate with me. I have the letters stating the terms of the promotion, all of which I complied with but they refuse to honor the promotion.

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 2021-04-14
Company: CITIBANK, N.A.
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 XXXX XXXX XXXX
XXXX
INQUIRY  WAS PLACED ON MY NAME WITHOUT MY PERMISSION 

CITI CARDS
XXXX INQUIRY WAS PLACED ON MY NAME WITH MY PERMISSION 


XXXX
XXXX
INQUIRY WAS PLACED ON MY NAME WITHOUT MY PERMISSION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: AMERICAN EXPRESS COMPANY
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 XXXX XXXX XXXX
XXXX
INQUIRY  WAS PLACED ON MY NAME WITHOUT MY PERMISSION 

XXXX XXXX  XXXX INQUIRY WAS PLACED ON MY NAME WITH MY PERMISSION AMEX XXXX
INQUIRY WAS PLACED ON MY NAME WITHOUT MY PERMISSION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: EQUIFAX, INC.
State: NC
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:
Equifax keeps deleting an account from my credit and adding it right back on causing my score to decrease. It happened on XX/XX/XXXX as well as XX/XX/XXXX. I am aware that this is not allowed and I have to be notified in writing 5 days prior to it be added back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 


JPMCB CARD Bal. {$0.00} Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Re : Loan ID XXXX On XX/XX/XXXX I checked the XXXX online portal and it shows that there is currently a balance of {$1000.00} in the escrow account. 
I am not understanding this figure because on XX/XX/XXXX, NewRez disbursed {$6600.00} for Insurance Premium from the escrow account. My current insurance company refunded {$3600.00} to NewRez on XX/XX/XXXX. 
I made mortgage payments ( {$2000.00} ) for XXXX and XX/XX/XXXX, respectively. 
{$940.00} from each payment in XXXX was allotted to " escrow ''. 
How is it possible that only {$1000.00} remains in escrow? 
NewRez also indicates that I owe {$130.00} towards Mortgage Insurance. I disagree. 

It has always been very difficult trying to get to or communicate with NewRez. My calls are usually transferred between different departments. 

I am currently trying to separate myself from NewRez but there are unexplained delays. They have been tardy in sending a payoff request to my proposed refinance lender. During which time they sent me a counter offer. That looks suspicious to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: I.C. System, Inc.
State: AL
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:
IC Systems collection is reporting a collection on a balance of XXXX that is incorrect. First the account has been settled with XXXX XXXX XXXX XXXX XXXX and I have the letter that the account is closed and settled. It was a XXXX/XXXX bill. IC Systems is still trying to collect on the same closed account and the balance is not only incorrect, but I called them 4 times in the last 30 days to try to get them to correct it as well as disputing with XXXX. IC Systems continues to notify XXXX   the information is correct. Even after me providing the closed and settled account letter from XXXX. XXXX has acknowledged the account is closed and settled. Even though IC Systems is taking their time resolving the collections on my credit report, the amount is incorrect. Even when I log into IC Systems web page it still tries to collect the wrong amount as well as the settlement offered is higher than than the actual balance owed. It took XXXX  a year to finally admit that I they have had my equipment returned and finally credited my account. I still owed a balance of {$370.00}. IC Systems is reporting I owe {$610.00} and offers a settlement of {$480.00}. This is the only collection I have against me and it is being unfairly and wrongfully being reported. IC Systems contact is XXXX XXXX XXXX  XXXX, XXXX XXXX, MN XXXX. The reference number is XXXX. The account number associated with the XXXX   account is XXXX. IC Systems has caused me undue hard and unfair damage to my credit report after repeated attempts to have them resolve 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 explanation
Consumer complaint received 2021-07-21
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I accepted a promotional offer through XXXX to open a Credit Karma XXXX XXXX bank account after filing my joint taxes with my husband this year. Their was a monetary incentive. Our refund was to be deposited into this new account. I received my debit card shortly after opening the account ( XX/XX/2021 ). I did not deposit any additional money to the account being that my sole purpose for the account was to keep our refund separate from our income. 
Our tax refund finally deposited XX/XX/2021. When I tried to use the Credit Karma debit card it kept declining. I spoke with customer service on XX/XX/XXXX, and was informed my account had been frozen. They refused to give me any additional information or time frame for when this matter would be resolved. I have reached out and havent received any response or communication on their behalf. The customer service agent said they would expedite the issue and would send email confirmation. That did not happen. 
I linked an account on XX/XX/XXXX. On XX/XX/XXXX I received an email concerning new activity and the security of my account. They requested I send a front and back photo of my ID and bank statement for the linked account. Credit Karma Member Support said the issue would be resolved after they received these documents. I have sent two separate emails inquiring about my account status ( XX/XX/XXXX and XX/XX/XXXX ). They have not responded. My account has been frozen for 14 days and I have no clue why or how I can resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have had a loan with XXXX XXXX, now Navient, since XXXX. I recieved the loan because my father signed up electronically under my name and asked his friend to be a co-signer ( unknown to me at the time ). However, I have accepted responsibility for the loan and was told I could defer my payments while in school. However, in XXXX I w as informed that, even though I was im school, I no longer qualified for in school forbearance since it was a private loan. I began repayments and have periodically used forbearance as my only option when in between jobs ( a total of one year cumulative forbearance ). I called on Friday, XXXX XXXX to extend my one month forbearance and was told I no longer qualify for any temporary relief but could apply for interest only payments. I was put on hold and the representative came back to say I was approved and my loan would remain in forbearance for an additional week until my auto pay interest- only payment was processed. I completed an electronic agreement over the phone with the representative, getting confirmation # XXXX. 

Today, on Sunday, XXXX XXXX, I received an electronic message saying my request was denied and that my loan was now past due and in default since they had adjusted my auto-pay schedule ( thus, cancelling my old one ). My account now shows as 2 months past due and in default, which will not only negatively affect me but also my co-signer who also does not have the money to help. I have explained this to Navient and they said I am approved for this new plan, yet this paperwork was electronically sent today. 

They have done things like this im the past, such as saying I am in the in-school deferment program and then removing me randomly placing my loan status to default. 

They continuously do very little to work with me regarding reasonable payment options and it is getting increasingly difficult to deal with, as I am currently in between jobs. I hope there might be something you can do to help me resolve this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: EQUIFAX, INC.
State: FL
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:
THE FIRST THING I SAW THAT WAS FRAUD ON MY CREDIT FILES WAS MY NAME SPELLING I ATTACHED MY DRIVER LICENSE TO PROVE MY REAL NAME AND ADDRESS. I ALSO ATTACHED MY CREDIT REPORT SHOWING THE FRAUD, I PUT FRAUD NEXT TO EACH FRAUDULENT ITEM TO THE LEFT OF IT. PLEASE FORWARD THIS COMPLAINT TO EACH CREDITOR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: DISCOVER BANK
State: MA
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:
These are the Inquiries that I don't have permission and knowledge of. 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, Not Elsewhere Classified XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISCOVER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2022-05-02
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: Reporting company used your report improperly

Complaint:
I sent my letter off XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also attached is the letter I sent out and here is the certify tracking # XXXX XXXX XXXX. 

According to the FRCA the term " investigated consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is it verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate, according to the FRCA 15 USC 1681 everything must be 100 % Accurate. 

XXXX XXXX XXXX  account # XXXX NOT MINE XXXX  XXXX  XXXX  Accounts # XXXX NOT MINE XXXX XXXX Account # 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 non-monetary relief