BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX  XXXX Balance : {$30000.00}

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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I complained about Transunion credit bureau & they retaliated against me by decreasing my score by XXXX points. They have failed to update my current payment history. I have more positive history than negative history yet the only reflect the negative history. My credit usage is not currently 90 % is lower than that according to the other two bureaus XXXX XXXX XXXX. I feel this may also be XXXX discrimination.

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 2021-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted the creditor in XX/XX/2021. After communicating with a manager in the collection 's department, I negotiated with the creditor regarding a payoff amount to settle the account and remove the derogatory information related to the account. The creditor agreed to the payoff amount, but did not remove the derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 credit reporting agency has failed to appropriately address my complaints about debt posted on my credit report. Ive filled numerous dispute that they do not resolve yet continue to post Unkown derogatory remarks and items with inadequate information that continues to impact my credit score. These items have been showing up on a monthly basis for almost 5 years now. Each time I file a dispute they never get back to me with substituting evidence to prove the claim and my association with the companies who are posting on my report. All three companies do not have a names, just the amounts Im said to owe. This is a gross misuse of my personal data and unfair reporting practices that both TransUnion and XXXX are enabling in 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 2019-01-08
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
For a Chase Sapphire Reserve credit card : XX/XX/XXXX : I attempt ( multiple times and with multiple hotels ) to book a hotel in XXXX using Chase Travel 's online portal for the weekend of XX/XX/XXXX. All attempts result in messages that the offer is no longer available, but it will let me try to book the same offer again. I call Chase travel, and they are receiving the same error on their end. I escalate to tier 2 support, who is also unable to book. Tier 2 offers me XXXX points and recommends I try again the next day. Points are promised to hit my account within 72 hours. 

XX/XX/XXXX : I try again online with the same results. I call again, and get to tier 3 tech support who has the same issue and claims to put a ticket in to have me alerted when the system is working. 

XX/XX/XXXX : I try again online with the same results. I call again with the agents having the same issue. I am promised XXXX points for my trouble by tier 3 support ( to hit the rewards account within 72 hours ), and that there will be an offer to cover the extra cost of being unable to use points. I book a hotel externally to Chase Travel ( meaning I am unable to use my points ). 

XX/XX/XXXX : No points have hit my account. I call Chase Travel, where a tier 3 support promises they will be resubmitted and hit my account within 72 hours. 

XX/XX/XXXX : No points have hit my account. I call Chase Travel and Chase Cardmember Services. Cardmember services is unable to help. Chase Travel offers to look in to the issue and get back to me. ( Email text below ) XX/XX/XXXX : No points have hit my account nor have I had any correspondence from Chase Travel. I call Chase Travel.  They claim they have not yet looked into my issue due to holiday jams. 

Email received from XXXX on XX/XX/XXXX : I am writing regarding your XXXX points that was promised by the previous agents. 

We will follow up on the call id recording that you provided that requires us to listen for further investigation in order for us to process your request. Once we found out that your promised points has not been processed yet we would be sending you an email immediately or you will receive a call back from us immediately for us to complete your request. We apologize for any inconvenience you've experienced. 

If you have any questions, please don't hesitate to contact us by dialing XXXX and requesting a supervisor. Were available 24 hours a day, 7 days a week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-08-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am unable to place a credit freeze on my account. On XX/XX/19 I went online and spoke to two Equifax agents about placing a freeze on my account. I have extremely detailed financial records and provided them all financial information I had on hand, but the questions they required of me did not permit them to give me access to my account. They provided no reasonable means for freezing my credit and I believe this is a violation of the law and that they should be liable in the event of a credit incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: LA
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 explanation
Consumer complaint received 2021-10-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX/Synchrony Financial Solutions . https : //www.mysynchrony.com/? XXXX. I needed a new XXXX device in XXXX/XX/XX/2021. My dentist office suggested I apply for the Care Credit plan/card. I was instantly approved. I was informed to register the card right away. I registered online that day. The credit plan is 0 % as long as payments are made in a timely fashion. I understand that if the last/final payment is late Synchrony will charge all interest for the original amount. This being said, the amount was only {$2500.00}. It is XX/XX/2021. My remaining balance is {$900.00}. Since the first payment, their website is horrendous. Every time I access their website I receive the message that the they are experiencing technical difficulties. Today I have been trying to make a payment for over 90 minutes. I tried their " Live Chat '' which turns out to be an automated algorithm. I requested through their " Live Chat '' to chat with a real/living person. The automated algorithm provided me a form to complete ( card #, SSN, zip code ). I did THREE times! While waiting for a LIVING BREATHING HUMAN BEING I called their XXXX number. Their rep 's name is XXXX. I explained to XXXX my problem and asked to speak to a supervisor. He offered to take a payment by phone. I don't make payments by phone. I asked three times to speak to a supervisor. He finally said he would - placed me in a que- i could hear # s being pushed- eventually I heard a message saying that my call timed out. Seriously? I called the number back and XXXX answered the phone again. What are the chances? Really the same person! I've tried different browsers including XXXX XXXX, XXXX XXXX and XXXX . None of which provide a different experience than I've stated above. I've tried to " log in to my account AND use their " Pay As A Guest '' feature. Neither are working on any browser. I would really like to pay the balance off with a payment this week and the remaining balance in two weeks. Please, for the love of GOD, help me!! I'm thinking now that they make their money by forcing people to pay their bills late. This has been a terrible experience. I do not recommend Care Credit NOR Synchrony Financing Solutions!

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 2023-07-11
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My social security number is XXXX on my transunion report theirs is three negative items a collection account called credit collection and 2 credit card accounts that are charged off account number XXXX and XXXX these accounts are fraud I filed a federal trade commission identity theft report on file please have Trans union removed these 3 items

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 2023-03-11
Company: Rausch Sturm LLP
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep on receiving Debt Collection Requests from Rausch Sturm LLP even after I've informed them that I never applied for any Credit Card From XXXX XXXX XXXX  nor any other credit Card. I don't even own a creit card for that matter. I have asked for additional information as well but never received 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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 non-monetary relief
Consumer complaint received 2022-11-08
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
My dispute involves a missed payment reported by US Bank to the credit bureaus for a credit card, Account # XXXX XXXX XXXX XXXX. This credit card account was stolen in the XXXX XXXX  XXXX and used to make significant unauthorized purchases overseas. US Bank never informed me of this. The card account was also set up for automatic payments. 

After discovering the fraud, I contacted US Bank. I was advised not to make any payments for the fraudulent purchases. The fraudulent purchases were reversed, and I was also advised that any resulting late fees regarding them would also be reversed. All of the fraudulent charges were reversed. I was issued a new card, and told all of the information would carry over to the new account. I have always used auto pay on all my accounts, which is why I have never missed or made a late payment. 

Despite being told auto pay would carry over to the new card, I noticed right after the due date in XXXX of XXXX that the payment did not process. I immediately made a one-time payment, and called customer service as to why it was not processed. The CSR representative acknowledged it was the fault of US Bank that the auto pay apparently did not transfer over. As part of this acknowledgment, all of the late fees and interest charges were refunded to my account, which is why my credit card account currently has a negative balance. Auto pay was then set up again. I was also assured that it would not be reported as late or missed to the credit bureaus. 

After dealing with this, I was not only surprised but angered that US Bank reported my account to the credit bureaus as having missed a payment. This caused my credit score to drop over XXXX points. 

I made a formal complaint to US Bank after filing complaints with the credit bureaus and no changes were made. US Bank then denied my request to have the late payment removed from my credit history with them, and thus with 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 2023-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 2023-06-05
Company: Synovus Bank
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a statement in XXXX about an overdrawn account at Synovus bank. I never heard of the bank prior to this. I called them and they stated it was opened online. I made them aware I XXXX not open it and they told me they don't have a fraud department and that I would have to write them stating it wasn't me. I sent the email XX/XX/22 stating that it was fraudulently opened with my maiden name. I kept getting statements and then a collection company called and I informed them as well. I called the credit bureaus to see if it was on my credit and explained everything so if it does I can start the dispute. I got a notice a few weeks ago that it hit my credit report. I started the disputes and XXXX shows it as valid. I did not create this account. I want this off of my report please. How is it possible to open an account online without having to upload an ID or show any proof of identity? I'm working in my credit and this will set me back. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: AES/PHEAA
State: TN
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 have been under an Income Driven Repayment program since XXXX of 2016 with a monthly payment of {$0.00}. I re-certify every single year in XXXX. XXXX and Federal Student Loans both reported negative information which lowered my credit score 148 points. In XXXX when it was time to re-certify, I received an email form both companies to let me know it was time to re-certify. I am still approved under that same IDR with a payment of {$0.00} per month as I am a single mother of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Associated Credit Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today XX/XX/2020, I received a debit collection letter in the amount of {$35000.00} for an organization ( XXXX XXXX  XXXX ) that I have never had a loan with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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