BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Hello, I applied for a credit line increase on my XXXX XXXX XXXX credit card on XX/XX/2023. On XX/XX/2023 I was notified that XXXX pulled my credit report and did a hard inquiry with TransUnion for the increase. The fact that XXXX would do a hard inquiry if I summited my increase request was not adequately disclosed. There was no written disclosure on the increase request page and not check boxes for me to provide consent to the hard inquiry. Since it was not adequately disclosed, I did not give consent for XXXX to perform a hard inquiry of my credit report which is a violation of the FCRA. Had it been disclosed, I would not have requested the increase since I did not want an additional hard inquiry on my report. There is consumer harm with this unauthorized inquiry since my credit report is now negatively impacted for two years.

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 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Complaint about Transunion. Their records are not updated regularly, thus they are reporting my credit score as poor.

They indicate one credit card being paid regularly, and there are two which would increase my credit score. 
I submitted a discrepancy report regarding an account I'm paying through a third party, but they do not reflect 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 2023-04-22
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
The card was originally a credit building card in which I placed a {$100.00} deposit. In XXXX of 2022, I called the company requesting that the deposit be sent back to me as the card had since been closed. The company informed me that a check had already been sent out, but I never received it, and the company stated the check had never been cashed. The company voided the check and reissued it. At some point during that action, a {$100.00} charge was posted to my account by the company for this. 

I was only informed of the charge when I began accruing interest on it. I called the company several times over the course of the next eight months trying to resolve this charge. Each time I called, I was informed in no uncertain terms that the charge was going to be removed from my account and to disregard further communications as it would take time for systems to update. The charge was not removed, and has since accrued over {$200.00} of interest. This has been harming my credit score over the last eight months as well, preventing applications to other credit institutions. 

I have spent several hours on the phone with the company in attempts to resolve this. Each time I call, representatives make promises about the removal of the charge, and the next representative informs me that there was no action taken and the charges continue accruing. I have spoken with supervisors, I have spoken with various departments, I have done all due diligence possible, and the company continues giving me the run around and refusing to remove the superfluous charges. 

This has become an extended scam where the company promises resolution while letting interest charges rack up on the card, holding my credit hostage to force me to pay charges I never accrued.

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 2023-04-22
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My rights have been violated. I was not aware of this debt going to collections. Please view regulations. 
15 U.S. Code 1681h - Conditions and form of disclosure to consumers. A consumer reporting agency shall require, as a condition of making the disclosures required under section 1681g of this title, that the consumer furnish proper identification. 

Original Debt : Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX  , XXXX XXXX 
Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$76.00} Amount {$76.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Our country is currently under a National Emergency. The State of GA is under a state of emergency. XXXX County ( where I reside ) is currently under a shelter in place and state of emergency. My job has been affected by the coronavirus. I have not been working for two weeks. I yet have to hear from unemployment. This company is the worst ever. They will not work with you in financial hardship like right with COVID-19. All they want to do is give you a 2 week payment  extension. So many other companies are deffering customer payments for 60 days or pushing their payment to the back of the loan and they refuse to help people out. They recommend getting a loan in order to make payment to them or stop paying other bills so you can continue to make payment to us. GET A LOAN TO PAY MY LOAN?!?! Crooks. Bridgecrest should be ashamed of themselves. Half the country is unemployed not by choice, other lenders are stepping up but these clowns are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
FIRST FEDERAL CREDIT C took my identity and reported false information on my consumer report. I don't know who they are, I have never heard of them, and they cause my scores to decrease by 65 points. I never received any letter in the mail to have the ability to dispute or ask for a debt validation letter. A day before I was supposed to apply for more credit, I was alerted that my score I went down. I am holding this company responsible for the amount of money I was supposed to receive, but did not because of this adverse information. I don't even know what this alleged debt is for. I have attached a page of my consumer report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023, CAPITAL ONE BANK USA NA did a hard inquiry on me. I didn't apply for anything from this company. I have not applied for any credit cards or loans from any companies. I have contacted the company twice and both times was told that they didn't do any inquiries on me. Yet when I disputed this through XXXX I was told that Capital One Bank verified that the information is correct. I have also spoke to XXXX who wanted Capital One to remove the inquiry themselves. Since they keep saying they didn't do this, I can't get it rectified. 

I didn't apply for anything where a hard inquiry would need to be done on me. At this point I have contacted all of the credit bureaus and have not been able to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Exeter Finance Corp.
State: AL
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:
The credit bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I am filing this compliant against them for unfair credit reporting Unauthorized inquiries listed on my report : : Exter Finance XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: IL
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 never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX2023 hard inquiry is fraudulent. I did not authorize 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 2023-04-22
Company: Kikoff Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filing a complaint with XXXX and Kickoff Lending LLC. I sent my first verify dispute letter on XXXX XXXX, 2023, to XXXX. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation.On XX/XX/2023, I attempted to reach out with a letter to Kickoff Lending XXXX, regarding the inaccuracy and no valid documents for this debt. The letter was returned to me because their address they use to report to the credit reporting agency is inaccurate. On XX/XX/2023, I had sent my third validation dispute letter to XXXX stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. XXXX ignored my response and provided no reasonable method of verification on why they verified this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 2023-04-22
Company: Convergent Resources, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to make Convergent Outsourcing aware of the fraudulent debt they claim I owe them ( {$1800.00} ) Is not only unverifiable but I also have no legal obligation to pay them. I have never signed a contract agreeing to pay this company nor have I never done business with this company yet this company reports inaccurate unverifiable information to the credit bureaus. Not only is this damaging, it is fraudulent. The company continues to send debt letters and contact my phone after I asked them not to. This is harassment and a violation of my rights. Even after writing in to the company several time asking them to provide proof that I in fact owe them I was sent a frivolous bill. Of which a bill does not constitute a legal obligation.

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 2021-03-01
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
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 balance transfer

Complaint:
On XX/XX/XXXX or XXXX, XXXX, I went into XXXX XXXX XXXX XXXX  XXXX and worked with XXXX who completed an application for a balance transfer from the following : XXXX XXXX XXXX Amount due on the account as of today, XX/XX/2021 : {$12000.00} The goal was to move my debt from XXXX to XXXX. XXXX took extra time to confirm her log in, talk to a colleague to make sure a balance transfer was an option and find the place in her documentation on where she needed to click or go to make it happen. I have 100 % confidence that XXXX completed the application properly. 

On XX/XX/2021, I received an email saying I was approved and would get cards and info in the mail in 10 business days. On Friday, XX/XX/2021, I received the cards in the mail. 

On Monday, XX/XX/2021, I called the number to activate the cards and listened to the balance, expecting to hear that I had a balance of {$12000.00} due and the new due date. I was shocked when it said the following : Available credit : {$5900.00} Balance due : {$0.00} I immediately called the customer service number at XXXX. I spoke to XXXX and asked to speak to a supervisor. 

XXXX, a supervisor for First National Bank of Omaha got on the phone and I explained they had made a mistake. My application was for a balance transfer and not new credit. If I wasn't going to be approved to transfer the {$12000.00}, I would have expected to be notified and then given the option to not take the partial credit amount or to choose to transfer the partial balance. He said he didn't see anything that said balance transfer on the documents. I explained they have made a mistake somewhere. 
XXXX. 

I then asked XXXX for a callback to advise what they were going to do to fix the problem and he said he doesn't do callbacks and just can cancel the card. I told him my credit would be adversely affected by opening a card and then cancelling it immediately and they need to either increase my limit so I can transfer the balance of over {$12000.00} from XXXX or they need to cancel the card and pay to fix any error or issue that adversely affects my credit report and make it whole again. XXXX said " I am sending this to the concerns department. I don't know what they will do or if they will reach out. '' How do you improperly open a credit card account and then not follow up with someone when there is a complain about it? 

The call was started at XXXX CST. They came on the phone at approximately XXXX CST and the call occurred on XX/XX/2021.

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 2023-04-22
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Their has been virtual cards that I dont have and like u.s.bank accounts that I never even opened need help with like my credit report being pulled up threw other agencies I never did and home mortgage opening under my name and wen I try to get my IRS tax I can not dew to these things I'm having so many issues please help thank you

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 2018-09-06
Company: LEXISNEXIS
State: OH
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:
On XX/XX/2018 I requested method of verification from Lexis Nexis for inaccurately reporting a bankruptcy # XXXX. I was told by their rep that they call the court and the court verifies that information. Upon telling them the court said they dont verify ANY of that information they insisted that they called again and got the same response and was also told I would need to show proof. I then sent proof to Lexis Nexis via email in form of a letter I received from the court house stating they dont verify that information and they sent an email stating they received my letter from the court.They also asked if I had a FTC report and I started to send it to them. My thing is why are they asking for anything further when I have already sent them a letter from the court which would be the FURNISHER of the information??? The burden of proof is on them. I also asked for VALIDATION which means they should be able to provide proof in form of an original contract, promissory note, or some documents with my original signature which they cant because they would have done so by now. According to the CFPB and the FCRA they are violating my consumer rights. They continue to falsely report this bankruptcy on my file and its hendering me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: IL
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 have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: NV
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 have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX AND 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 2022-04-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased furniture along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX protection plan from XXXX XXXX ( at XXXX XXXX XXXX XXXX, TX XXXX XXXX ) on XX/XX/2022. On XX/XX/2022, I sent a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX ) requesting a complete cancellation of the {$290.00} protection plan and full refund along with the XXXX XXXX sales invoice, and the Original and only XXXX Protection Plan agreement that was provided to us at the time of sale at XXXX XXXX. At the top of the XXXX  agreement it says Agreement Number : XXXX and at the bottom of the XXXX agreement, it says XXXX. The agreement states on Number 4 ( Conditions ) - Section G ( Cancellation ), You may cancel this Agreement for any reason at any time. In the first thirty ( 30 ) days You will receive a full refund upon cancellation. To cancel within ten ( 10 ) days of receipt, contact the Selling Retailer of Your Agreement for a full refund. After ten ( 10 ) days, contact the Administrator ( Administrator means XXXX XXXX XXXX ) in writing with this Agreement and a copy of your sales receipt to receive a full refund. The certified letter was received and signed for by XXXX XXXX at XXXX on XX/XX/2022. We have provided absolutely any and absolutely every original document/agreement/sales invoice that was given to us at the time of sales at XXXX XXXX when we sent everything certified mail. XXXX is still refusing to cancel and refund the cost of the {$290.00} protection plan. We have filed XXXX XXXX XXXX complaints against XXXX XXXX and XXXX. It is fraud and a scam on the part of XXXX XXXX and XXXX refusing to refund the {$290.00}. I am disputing this amount of {$290.00} charge on my Synchrony Bank card. I have attached all original documents already received and signed for by 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 monetary relief