BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I have been disputed with Transunion, XXXX, and XXXX on numerous occasions, and they have not responded to ANY of my requests AT ALL. Each and every letter was mailed certified, and tracking from XXXX proves each letter was received by all three agencies. I am tired of being treated unfairly! I informed them over and over again that my credit report has many inaccuracies. I also informed them that I have reason to believe that my right to privacy is being violated. XXXX believe that my personal and private information has is being shared with and disclosed to third parties without my consent. I am sure this is against the law, because no consent means that it is identity theft. These are the items listed on my report that I have been requesting a thorough investigation for : 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 [ Reporting FIVE TIMES! ] ; XXXX XXXX XXXX XXXXXXXX [ Also reporting FIVE TIMES! ] and XXXX XXXX XXXX XXXX ; Also, XXXX XXXX XXXX XXXX [ No account number listed on my reports ] is reporting SEVEN TIMES! Please send them a dispute request as well. Lastly, DEPT OF EDUCATIONXXXX XXXX is reporting EIGHT TIMES! I never had any missed payments, but they are reporting that I did. Please have them change the status supposed late payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to reflect paid on time. ONLY if they choose not to correct the status of those dates, please have them remove all XXXX accounts for reporting inaccurate data. They have two of the late payments listed as 90 days, and the other two late payments as 120 days. How is this possible?? Isn't there supposed to be 30 day and 60 day first? How is ONE alleged missed payment reporting both 90 and 120 days late?? Overall, this matter has been causing me entirely too much stress. I could have also saved valuable resources such as time, energy, and money fighting this issue.

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 2022-01-05
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2023-12-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX, I noticed numerous inaccuracies on my credit report. I requested verification for all accounts listed in scanned documents.

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 2023-12-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 the Dates listed below the following companies obtained a copy of my credit report without my consent 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 non-monetary relief
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: IN
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:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-12-02
Company: CL Holdings LLC
State: WA
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:
I recently checked my credit because Im in the process of trying to rent a new apartment and was shocked to find that I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
From yesterday, XX/XX/XXXX of XXXX, XXXX, I received 4 emails from XXXX. The features of the offering of them are following ; XXXX. XXXX ( XXXX ) -- XXXX credit limit card XXXX. XXXX ( XXXX ) -- Digital Checking Account opening and a purchase of {$25.00}, and {$1000.00} win offer XXXX. XXXX ( XXXX ) -- Offering of a right loan XXXX. XXXX ( XXXX ) -- Credit card 0 % intro APR

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 2023-05-26
Company: ENOVA INTERNATIONAL, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Someone took a loan out in my name, they used my checking account and email address. 

Im willing to send the money back to the company minus the money they have taken from my checking account. If it was an error on their part then I will return what was deposited in my checking account - minus what has already been paid to them. There were bi-weekly payments being taken from my checking account. I did not authorize this loan to be taken out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Bank entity known as Truist purchased/took over servicing of my mortagage. I did not obtain a mortagage from Truist, they bought my mortgage without my knowledge or consent. I live in XXXX XXXXXXXX XXXX, the closest Truist bank branch is in XXXX, thousands of miles away. 

Truist sent me an email that mentioned logging onto my online Truist Account, which is how I manage, pay and track my mortgage, will serve as consenting to binding arbitration for any future disputes which may arise surrounding my mortgage. There were no instructions or provisions for opting out of arbitration. I called Truist to inform them of my my non-consent to arbitration. I was then informed that I would be permanently banned from online services with Truist and any log-on or use of online services would constitute my consent to arbitration. I informed the agent that I believed this course of action to be unfair and illegal. I spoke with XXXX XXXX, a " Customer Care '' Supervisor at XXXX XXXX XXXX  XX/XX/2023 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 2023-03-04
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: Account status incorrect

Complaint:
The offender is XXXX XXXX XXXX for a lease I held between XX/XX/XXXX to XX/XX/XXXX. 
They incorrectly reported several late payments up to 120 days which caused me to be denied a new lease. This information was provided to me by the XXXX dealer! All of the payments were made on time and my messages to XXXX were ignored or deflected to deal directly with the credit bureaus! This fraudulent reporting has caused an immediate family loss of {$3600.00}.

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 explanation
Consumer complaint received 2020-06-16
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XXXX IS TOTALLY DEFRAUDING ME WITH MY CHECKING ACCOUNT. THEY ARE STEALING MY MONEY OUT OF MY ACCOUNT. I CONTACTED THEM TODAY. XX/XX/2020 APPROXIMATELY XXXX XXXX  ARIZONA TIME. AND THE LADY WAS ON THE PHONE ASKING ME FOR MY INFORMATION. MY ACCOUNT NUMBER THAT IS : I PROVIDED TO HER ON THE PHONE. AND SHE SAID TO ME ... THE ACCOUNT NUMBER ISN'T WORKING. I SAID, THAT IS MY ACCOUNT NUMBER TO MY CHECKING ACCOUNT WITH " U.S. BANK '' FOR OVER `15 SOME YEARS I WAS BANKING WITH U.S. BANK. THEY ARE STEALING MONEY FROM MY ACCOUNT ... ACCORDING TO DIFFERENT BALANCE SHOWS ON BANK STATEMENT UNSCRUPULOUS DISSEMINATION MY RECORDS SHOWING {$7700.00}. BUT, STATEMENT SENT TO ME SHOWING {$5000.00}. I AM AN ELDERLY SENIOR CITIZEN. THEY ARE DOING THIS TO ME FRAUDULENTLY SCHEMES AND FRAUDULENT ARTIFICE AGAINST ME AND MY HARD WORKS EARNING IN MY LIFE ... .I AM ASKING FOR A STRICT SCRUTINY INVESTIGATION PLEASE. MY DAUGHTER SHE'S A 4 YEARS COLLEGE GRADUATED. IS HELPING ME NOW AND THAN ... BUT SHE'S BUSINE WITH HER JOB AND HER FAMILY FUNCTION. I RESPECT MY DAUGHTER XXXX FOR THAT. SHE'S BUSY WORKING AND TAKECARE OF HER FAMILY. PLUS ; HELPING DAD WITH MY FINANCIAL SITUATION. Because I am getting older and older. But, God will inspired me of BAD THINGS PEOPLE ARE DOING TO ME, TO BE AWARED OF EVERY DAY LIFE ... THANK YOU FOR HELPING ME PUTTING A STRICT SCRUTINY INVESTIGATION TO MY HARD WORKED EARNING U.S. BANK EMPLOYEES ARE TRYING TO ROBBED ME AND MY BANK ACCOUNT. IS A TOTAL LAW VIOLATION. MY ACCOUNT # 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 2020-06-16
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
Contained within my XXXX consumer report # XXXX is the following incorrect information.. 

GM Financial acct # XXXX incorrectly shows a delinquency of 30 days in XX/XX/XXXX, and Also XX/XX/XXXX. This account was paid in full and closed in XXXX of XXXX making these delinquencies impossible. 

GM Financial acct # XXXX incorrectly shows a delinquency of 120 days in XX/XX/XXXX. This account was paid in full and closed in XX/XX/XXXX making this delinquency impossible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: Direct Recovery Services, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020- I often get scam calls on my i-phone. If the phone has a name, I pick up-if it's an unknown number, I don't pick up. Often the phone will state SCAM. I kept getting a call fromXXXX XXXX an unknown entity so I didn't pick up. THEN that caller phoned two of my friends! How could they have my friends ' numbers? My friend picked up and the caller asked for { my name } so my friend asked who they were and they said directrecovery Inc. so my friend gave me that number. I called what I assumed was a debt collect agency. They said I had a debt with XXXX XXXX XXXX and I told them I have never ordered anything ever from that company. They stated they would proceed with collecting the debt from my bank account. THEN they hung up. I tried to call back and no one ever picked up. They would not tell me the amount of the false debt. How could they have my bank account? How did they have my friends ' phone numbers? How can I stop them if they somehow have access to my bank account?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have tried to resolve this for months. I spend hours on the phone, mostly on hold to get to someone. I always have to ask for a supervisor to even get someone to understand what I am needing help with and that takes a very long time. I have uploaded many files that I will upload today in regards to this claim. This company is blowing me off and I think its because they closed my accounts and now no longer care about me since I am not a client. That isn't ethical. 
In XXXX of XXXX  I purchased something with emerson ecologics for {$130.00}. Those items never arrived. I disputed the charge multiple times and each time, Capital one closes the account and now are asking for payment on this account. I have texted and talked to XXXX XXXX on the phone multiple times, and each time they tell me they credited me back in XXXX in two amounts, that do not show up on the account and Capital one has confirmed they never received credit. This should be a cut and dry case. The emails from XXXX  show that I am due a refund but for some reason, their credits don't come through. I am beyond frustrated with this process and the lack of support by Capital one. I wait on hold hours and then they tell me, oh, just upload the supporting documents and all will be fine. NOTHING changes. its so impersonal and I don't have the time or patience to wait online as a XXXX person who struggles with day to day health issues. The original charge is on XX/XX/2023. The charge has been credited then recharged, four times during this dispute process. I am due a full refund! This is my XXXX  XXXX account. 


The second issue is that after this XXXX XXXX charge is credited, my balance should be at zero but for some odd reason, there is an outstanding 30 some dollars remaining. i have asked capital one to tell me where this charge/ balance originates as all charges should be credited but they never answer. this should not be a question that can't be anwered. It would take too long to send you screen shots of my entire account of charges and credits but capital one should be able to go through that and tell me where the outstanding charges occur that make up this balance they say I owe ( minus the XXXX XXXX ). I have been asking this for months and months!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received phone call from XXXX on XX/XX/2020 at XXXX XXXX. Caller didn't identify himself with any debt collector and said I owe {$510.00} and how would I like to pay. I said I didn't owe anyone and I disconnected the call. 

Received second phone call from XXXX on XX/XX/2020 at XXXX XXXX. Caller again didn't identify himself with any debt collector and again asked how I would like to pay {$510.00}. I said if I owed a debt they must send me notification via mail. Caller argued and said I still needed to pay today to take care of this. I disconnected call after caller began to raise voice. 

On XX/XX/2020 I received a letter dated XX/XX/2020 from " XXXX XXXX XXXX '' concerning an owed collection from Capital One in the amount of {$510.00}. I contacted Capital One directly and confirmed I have no accounts in collection and the account number on the letter was not a valid account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: NJ
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX XXXX an old account from when I was an identity theft victim is on Experian. Experian continues to allow fraudulent debt to be put on my credit report as new debt over and over again. This violates my consumer rights and I was told by a consumer attorney also illegal for credit bureaus to allow it. It is ruining my credit over and over again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2020 I made an in-store purchase at a XXXX XXXX XXXX store ( hereinafter, " XXXX XXXX XXXX '' ) in XXXX, VA. The store advertised a XXXX XXXX XXXX Credit Card which would earn 10 % back in reward dollars on merchandise purchases in-store and online. 

To open an account, I was instructed to call the card provider, Synchrony Bank. I explained to their customer service agent that I wished to open a XXXX XXXX XXXX Credit Card. I made it clear that I did not wish to open a XXXX XXXX XXXX Mastercard, which is separate and distinct from the regular XXXX XXXX XXXX Credit Card. I was advised that my application would need to be approved and that I would receive the XXXX XXXX XXXX Credit Card within 7-10 business days. 

Subsequently, I received a XXXX XXXX XXXX Mastercard, not the regular XXXX XXXX XXXX Credit Card. I immediately contacted Synchrony Bank Customer Service at XXXX ( XXXX ) XXXX on XX/XX/2020. I explained what happened. The issue was escalated to a manager, XXXX ( Staff ID XXXX, working from XXXX  XXXX ). I was advised by the manager that my application was for both the regular credit card and the mastercard. I explained that their agent did not explain this to me when applying, despite it being made abundantly clear that I did not want any mastercard but the regular card. I received an apology for the misinformation.

I believe this to be a fraudulent practice, whereby Synchrony Bank, through design or negligence, advertises a regular card but replaces it with a mastercard upon application. At the very least, their agent lacked sufficient and appropriate training, and was unable to provide clear and correct information to me, a consumer. If I had known that I would be applying for both and that it would be up to them to decide which I would receive, I would not had applied in the first place. 

I closed the account after being advised that I could not be " downgraded '' to the regular card. I was also informed by Synchrony Bank 's XXXX that, if I opted to close my account, I may not be able to reapply for the regular card. I find this practice likewise bad business practice, seemingly a threat that if I opt not to do business with them now I may never be able to do so again.

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 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Name : XXXX XXXX XXXX Address : : XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Transunion I have previously disputed this item with you US BKPT CA XXXX XXXX Docket # XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is very clear that They do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681i ) and the information must be deleted immediately. 

I have attached the Court Response letter regarding the method of verification of a Bankruptcy and I also have attached the letter that I have received from XXXX stating that the Bankruptcy was removed from 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