BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/XXXX, I entered into a lease with XXXX XXXX regarding a new vehicle. The terms of the lease were for 39 months. I paid the lease off completely and returned the vehicle to XXXX XXXX XXXX and XXXX XXXX in XX/XX/XXXX. I talked to the sales manager at XXXX XXXX XXXX and told him that I was turning in a leased vehicle. He went out and he looked at the vehicle and said the vehicle was in excellent shape. I asked him if I needed paperwork to that affect. He stated that I did not need any paperwork and I was " good to go. '' The vehicle was in perfect condition when it was turned in and that was acknowledged by the dealership. Months later XXXX XXXX claimed the auto was damaged. I told XXXX XXXXl that that was not the case, and the vehicles was turned in in perfect condition. It was at that time the XXXX XXXX try to get {$2600.00} from me. I told them that I did not any money and they would not give me any information regarding the " damages '' to the vehicle. 

In XX/XX/XXXX I attempted to get a line of credit for XXXX XXXX my businesses and was turned down with my bank, XXXX XXXX XXXX XXXX XXXX, because of a poor credit rating. I obtained my credit report and it showed that XXXX XXXX charged off my account in XX/XX/XXXX. 

I sent dispute letters to all XXXX credit reporting agencies and XXXX we returned back that the company reported information was accurate. XXXX did no further investigation and did not receive any information or my side of the story. The other XXXX reporting agencies never responded. 

I obtained my credit report from XXXX and it shows the charge-off of XX/XX/XXXX. I attempted to call XXXX XXXX XXXX to find out information regarding this charge-off and I was told that they do not give out invoices and they will not submit any information regarding why they charged off this vehicle, considering that the vehicle was completely paid as per the terms.I contacted XXXX XXXX this week and received a letter regarding this account and was advised that I owe {$2600.00}. Again XXXX XXXX XXXX would not give me a detailed itemized list of these charges. This vehicle was in perfect condition when I turned this vehicle into XXXX XXXX XXXX. In addition there was no litigation ever filed against me from XXXX XXXXXXXX XXXXl for the {$2600.00}. 

The XXXX credit bureaus did not do their due diligence to actually truly investigate this claim made by XXXX XXXXXXXX XXXX. At no time was I given the opportunity to explain my side to the 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 2020-06-22
Company: Ocwen Financial Corporation
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: Account status incorrect

Complaint:
was out of work do to the stay at hm order do to cov19 contacted phh mortgage told situation an was tild to go to their website an request stay because US gov said no morgagtes would be reported late an no foreclosures an nothing negative should b reported to credit bureaus did online as instructed but they say it doesnt show WELL the GOVERNMENT said this was to be done so WHY is it even if it doesnt show NOT being adhered to HURT my score an now cant refinance my house an need some help havent had a pay check in almost three months an now this XXXX on my credit when the Whole Country was an is this should have been a no brainer for my mortgage comapny an the cedit bureau this was XXXX an XX/XX/2020 2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX, XXXX I received a XXXX dollars invoice XXXX from XXXX XXXX XXXX ( XXXX  ), for XXXX membership renewal. I contacted by phone XXXX XXXX XXXX, Executive Director of XXXX and authorized a one-time charge of XXXX dollars to my XXXX 's XXXX XXXXXXXX XXXX  credit card XXXX XXXX XXXX XXXX, in order to pay that balance in full. XXXX charged XXXX dollars to my credit card in XXXX, XXXX. 
On XX/XX/XXXX and XX/XX/XXXX XXXX made two charges of XXXX dollars each, total of XXXX to my XXXX credit card. I tried to contact XXXX  by phone, fax, e-mail but they never answered me. I even drove to XXXX 's office and it was closed. I contacted the card company to XXXX XXXX XXXX, to place those new charges of XXXX  in dispute. The credit card company, Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mailed me a letter stating that those charges were placed on dispute and that they will mail me a form if they need additional information. They never send me any form. Anyhow, I mailed to their XXXX XXXX XXXX XXXX Florida XXXX and also faxed to their fax XXXX XXXX XXXX all the pertinent documentation proven my dispute. Next, the credit card company send me a letter, making me responsible of those XXXX XXXX dollars charges, as " the cancellation policy for trial offers and product/service enrollment is determined by the merchant, and the merchant is indicating this was not cancelled according to the agreement. '' This statement does not apply to me. I paid my membership in full to XXXX on XX/XX/XXXX. I never signed any agreement. I contacted the credit card company again, disputing this statement from XXXX. I even requested them to send me copies of any documentation from the merchant, but the credit card company refused. 
This is an scam form XXXX and the credit card company is sponsoring this scam. 
XXXX XXXXXXXX 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 2017-06-14
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I went to   XXXX   XXXX   XXXX   in  XXXX , on  XX/XX/XXXX , 2017. I was told that my procedure would cost {$4000.00}. I agreed and was told to open a care credit card. My limit was for   XXXX  . I was called on the phone by care credit stating that I had purchased a total of {$7500.00}, when I told them that I did not authorized that amount which was over my credit limit, they said that they will investigate. I went to the  XXXX  office and the receptionist said it was a lack of communication and that they will refund me that money. I got a letter from care credit 's saying that their investigation found that I still owe {$7500.00} and when I said how can you charge me over my credit with out my consent, they said your credit is {$8500.00}. I feel that they increased the amount to save their selves. I only have had   XXXX   XXXX   removed, I do n't want to go to that   XXXX   again and I will only pay for the work that was done.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern : I have filed a previous complaint with XXXX, Transunion, and XXXX with no response. I submitted various letters to the above reference bureaus on different dates, with the last date to be given on XXXX, Can you please assist me in fixing the error. 

These are the facts : : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report 3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. This is a duplicate account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
6. The following account is not mine XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report 8. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. This is a duplicate account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
11. The following account is not mine XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

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 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-10-28
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX has violated my Consumer rights. Pursuant to 15 USC 1692c. ( c ) I notified XXXX XXXXXXXX in writing that I refuse to pay this alleged debt, and I am demanding that they cease all forms of communication with me through all mediums except by postal mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am Invoking my specified remedy as a consumer, and the original creditor I am demanding ALL of the following On the XXXXth of every month the account must have a XXXX Balance. Keep this revolving account open indefinitely. Increase my credit limit on this open-ended credit plan to {$50000.00} every month. Remove all monthly balances owed and report XXXX owed for every reporting month, since the beginning of this account to all credit reporting agencies. Pursuant to violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments Stop Illegal reporting of late payments to all consumer reporting agencies. Remove all late payments reported to all consumer reporting agencies. I would like all payments I MADE SINCE THE BEGINNING OF THE ACCOUNT ON XX/XX/2020, returned back to me via mailed check and any part of the amount of the credit balance remaining 15 USC 1666d ( C ). Failure to respond to my Cease and Desist and honor my demands within 30 days will result in me the consumer pursuing legal litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: USCB, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from USCB America on XX/XX/XXXX about a collection I owed to XXXX XXXX Georgia in the amount of {$130.00}. I immediately started having a XXXX XXXX since I am set up on auto pay with XXXX XXXX every month and this months was the final ACH being drafted of only {$22.00}. I frantically contacted the billing department on Monday XX/XX/XXXX to inquire about the balance and they reassured me it was only {$22.00} and that my account was never sent to collections. I believe this a scam company prying on people and they need to be stoped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am experiencing issues associated with ID theft and disputed items on my credit file. I was contacted by letter by a creditor I now know as Home Depot regarding an opened account with Home Depot 11 years ago. I proceeded to call the number stated on a letter from its representative (  XXXX  ) received on  XX/XX/XXXX  regarding my CFPB complaint #  XXXX .
<P/>
I now find that the same creditor may be reporting the same account although with a different account number under another name (  XXXX  ) and this can be seen on my  XXXX  credit report. It reports the same balance owed but under a different loan type ( Auto ) and again reporting on my   XXXX   XXXX   credit under personal loan also a different loan type.
<P/>
I called the phone number that is reported to be  XXXX   XXXX  and the number is not a working number but they do have the same address as   XXXX    which is :   XXXX   XXXX   XXXX   XXXX    XXXX , MO  XXXX  who does have a working number   XXXX  . I am asking for an explanation as to the purpose of reporting against the same balance owed (   XXXX   ) times using (  XXXX  ) different companies names but you are one of the same company. On top of that the original account with the Home Depot was opened without my consent and is a fraudulently opened account. My affidavit  XXXX  was reported as such to the FTC on  XX/XX/XXXX .
<P/>
Who are these collection companies and its creditors because they are not known to me and I certainly do not own this or any other account they report. Why are they reporting false information and using guises and pretenses to destroy my credi I request they forward all information used in the validation and authentication of the person who this account was granted.

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 2021-10-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
good afternoon, I have a Home Depot account on my credit report that belongs to someone else and is affecting my credit due to the fact that the account has a balance, that person called the company and asked for my removal and it has been 3 months and nothing has happened.. if you could please help me out with this situation.

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 2022-09-12
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: Was not notified of investigation status or results

Complaint:
Hi! My name is XXXX XXXX, I've just discovered that the items I requested for you to investigate and delete have not yet been removed nor did you sent me anything, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022, but a month has already passed. I still haven't received any response from you. A legal expert told me in an online forum that this is a violation for your willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: DISCOVER BANK
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: Old information reappears or never goes away

Complaint:
Discover bank {$750.00} XXXX XXXX account is settled and they agreed to remove it off of my credit report.-closed XXXX XXXX XXXX XXXX {$100.00} I closed this account because someone opened this account in my name and I paid it off and they agreed to have it removed-closed XXXX XXXX XXXX XXXXXXXX {$300.00} I dispute this charge and it came right back the account is settled -closed XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: AES/PHEAA
State: TN
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Original loan was created by us Dept of Education on XX/XX/XXXX. I filed for Chapter XX/XX/XXXX. At some point during the Chapter XXXX my loan was transferred to Fedloan Servicing. My Chapter XXXX was fully discharged XX/XX/XXXX with all debts satisfied. Fedloan shows that I owe them {$870.00} on the loan and the court shows paid in full. Payments from the court were paid to US Dept of Education. When I spoke with a rep from Fedloan Servicing, I was informed that it was not their fault the payments were sent to US Dept of Education and they were not recovered to them and it was not their responsibility to research this matter and that I pay it or it will go into default. My credit report shows the original loan from US Dept of Education was rendered and that it is closed. Fedloan Servicing shows the original loan amount and dates as US Dept of Education but the account is past due. I have disputed this with the credit bureaus with no success. This is also preventing me from rebuilding my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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: Investigation took more than 30 days

Complaint:
TransUnion has failed to complete its investigation within the allotted time. It has been 30 days since I mailed them the following : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e., an original consumer contract with my signature on it ) that you have on file for the account listed below. 

1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report immediately. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report immediately. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove immediately 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 5. Victim of natural disaster/ XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Please remove late payments immediately. 

6. Victim of natural XXXX In school and deferment XXXX XXXX # XXXX Date Opened XXXX XX/XX/XXXX Please remove late payments immediately. 

7. This account is not mine XXXX # XXXX Please remove it immediately. 

8. In School/deferment/Late payment are false XXXX XXXX # XXXX* Please remove it immediately. 

9. This account is not mine XXXX XXXX # XXXX Please remove it immediately.

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 2017-06-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Chase Slate Balance Transfer Card in perhaps XXXX XXXX XXXX. I have had a Chase British Airways Visa, at this same address, for  thereabouts decade now. I regularly received pre-approved promotions for Chase Slate balance transfer card. <P/>I chose to apply for this card. I received a letter from Chase stating my application was on hold, they asking me to provide proof of my address. <P/>I sent them a letter via Certified mail including copies of my professional ( XXXX ) license, as well as a copy of my XXXX XXXX XXXX phone bill. I mailed this to Chase at the address I was directed to return it to on XX/XX/XXXX of this year. I have still not heard an answer from Chase. <P/>I have 'A '' credit. Again Chase regularly mails me pre-approved applications for this card. While there are many such 'no interest balance transfer ' devices, I chose Chase because I already have had an account with Chase , st this same address, for many years. <P/>At this point, I have 'a ' incurred additional interest expenses I should not have occurred. 'B ' As Chase has done a hard query on my credit my FICO score went down XXXX points so any other such device I apply for, I may not get as high an approved balance transfer as I had applied for with Chase. <P/>I have photocopies copies of ll correspondence, documents and certified mail receipts to prove every word above. I have been unable to get a response from Chase. I have incurred several hundred dollars in unnecessary interest charges due to this intransigence on their part.

Company response to consumer: Closed with explanation