BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: Terrill Outsourcing Group
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The call is not for me. Somehow they got my direct line at work. They confirmed that the call is not for me and I was told that the number would be removed from the profile. However, their robocaller calls on a daily basis and leaves messages. However, I never witness the phone ring. I work from XXXX to XXXX which means the most be calling before XXXX or after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2021-12-02
Company: DISCOVER BANK
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased these so called Hoya plants from someone from XXXX purchased on XX/XX/2021. Even form the beginning I should have known better she kept telling me she only accepted payment by wire transfer or XXXX friends and family only. No other form of payment that was safe for the buyer. This was for a lot of money too. She wanted me to pay her multiple times not the entire amount at once either. The total came to almost {$3000.00} she wanted. Four different payments of XXXX then XXXX then XXXX and then I paid her in Russian currency of XXXX RUB. She wanted them sent al on different days. She then sent me an empty box with newspaper which I then reported to her and she claimed that it must have been customs because its not legal for her to ship them ( which I had no idea of! ) and that there should be a slip inside. There wasnt anything. I was extremely upset and wanted my money back to which she told me NO. I went to photograph our conversations on XXXX messenger and she DELETED all of the texts she sent! So I have no idea what to do! The fact that Discover stated because I have high amount of disputes ( which are ALL genuine ) is just outrageous and horrible service. They did not contact me for any information about MY side of the story. I was SCAMMED and Im extremely upset about this. They refunded me the other transactions but now denied me this one for no reason! This is not the first time Ive had issues with this credit card company not following up with my side of my story and at this point I will not be using them anymore!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21
Company: CREDIT ACCEPTANCE CORPORATION
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I voluntarily Repoed the vehicle. The vehicle was repossessed in XX/XX/XXXX. I have called Credit Acceptance and they do not do anything for me. They told me after the car was sold in auction they were stop reporting on my credit. its been a few months now and they still keep reporting saying Im behind on my payments when the car was repossessed voluntarily. The balance continues to increase although I dont have the vehicle and they told me they would stop reporting. The company never sent me a letter or any statements whenever I would make my payments when I had the vehicle it was all made over the phone.

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I never had a auto loan with XXXX. XXXX states i have a vehicle loan for {$66000.00}. I have the title for the vehicle in question, i have a letter from XXXX removing the fraudulent XXXX on the vehicle, and have a recording from XXXX stating I never opened a loan with 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 non-monetary relief
Consumer complaint received 2022-07-05
Company: Bull City Financial Solutions, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I informed Bull City that I do not have a consumer relationship with this company and the company is furnishing my private information without my consent. BullCity was also asked to verify this alleged debt. I informed Bull City of the many violations via certified mail on XX/XX/2022. Bullcity has failed to comply with the laws of the FCRA. Bull City failed to cease collection attempts during the investigation nor has Bull City provided me with any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Social Finance, Inc.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a SoFi credit card. On or about XX/XX/XXXX I noticed that my credit card had been paid in full and about {$5600.00} dollars had been taken out of my checking account. The next day their fraud department contacted me about a suspicious charge on that account for almost a XXXX dollars. When I looked at the account I noticed that my address and phone number had been changed to Florida. I live in California.  When I contacted the company they said the money would be sent back to my checking account in XXXX business days. That did not happen. I spent hours on the phone trying to find out what happened to my account. Every time I called they said they were looking in to it. A month has passed and the company has yet to explain to me what happened. I suspect it was either an employee with access to their system changed my information or their entire system had been hacked. In either case the company has stone walled me with an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today, XX/XX/2022, I received an alert in my mobile banking app ( Capital One ) that I am unable to withdraw funds from my account and to call XXXX. When calling this numbers and going through necessary prompts, it directs me to customer protection resolution team. However, the only option I have is to leave a brief voicemail that contains my name, account info, and phone number. The recording then goes on to say that my message will be reviewed and IF NECESSARY, I would get a call back within 48 hours. Here I am trying to resolve whatever the issue is with my account ( an issue that I know nothing about ) and Im left with leaving a voicemail that apparently has not even been answered. My account does not have any suspicious transactions so Im clueless. I cant reach a live person because each call sends me to the same number. I have a small child and I need access to my money. Capital One has yet to reach out via call, email, or even through the app.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Sears/Citibank was allowed to run my credit report based off false pretenses. The company and its representatives advised me that I would be able to make the purchase immediately and the card information would populate immediately in my sears cart online. After maybe 5 different calls to their different departments I was advised to drive almost a hour away to make the purchase via phone in store to confirm with my identification. Once I arrived I was told that XXXX XXXX and Sears are not connected in anyway. After seven or more additional calls to Sears on the long drive back home. I received the same run around with each representative blaming other departments for the misinformation. Finally on Sunday XX/XX/2021 I was finally told the truth that the Sears card that was advertised on their site in the check out cart as being " Apply and Use '' on their website was found to be an false advertisement. they told me the card would arrive via mail within 10 - 14 days. This was for a refrigerator my family desperately needed at the time. I immediately told them to cancel this account that was promoted falsely. They told me they would like to apologize for the mix up and incorrect information I was given ( also in the same call told me that it usually works ). I explained to them that I allowed my account to be accessed based off what I was told online and via phone by their representatives. And although credit is an privilege it is also something each of us have to protect. My request that this inquiry be removed from my account based on it being an inquiry acquired off untruth and false advertisement was declined by Sears/CNBA. After two complaints with XXXX the inquiry still remains. These companies cant give false information on the products or reasoning they are requesting a persons information for an inquiry. Its not right and its fraud. Thank you for your time and help. Please Help

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 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Having a problem with a financial product or service? 
We have answers to frequently asked questions and can help you connect with companies if you have a complaint. Sadly you don't have the answers because in my opinion by numereous experiences and by design of the system it is corrupt from top to bottom. Yes and you the alleged protector propagate that XXXX XXXX I choose to define my opinion and evil will never change but stand in it's arrogance and pride. Wecand all who are XXXX XXXXXXXX XXXX so called credit organizations and their cohorts understand who and what you are by your own thoughts, words and deeds. So filing a complaint useless but merely to serve truth. Yes we are as responsible because we use your services, need finance and share in the creation of who you are abdcstabd as guilty via our indifference.

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 2023-08-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reviewed my credit report upon review i have found multiple fraudulent accounts listed on my credit report XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) Account # XXXX XXXXXXXX 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 XXXXXXXX

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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$1800.00}

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 2022-12-29
Company: SYNCHRONY FINANCIAL
State: OH
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 cancelled a XXXX  annual membership within the first 30 days of trial membership. Since XX/XX/2022 Ive been disputing the monthly fee. In addition, due to frustration and unresponsive customer service I told them to cancel the credit card. That didnt happen and every month Im forced to follow up with an unanswered dispute.

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 2023-06-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. This caused me financial injury and this has also caused me defamation of character. I haven't been able to apply for credit. And has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: SYNCHRONY FINANCIAL
State: VA
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:
On XX/XX/2022, I signed up for the PayPal Cashback Mastercard. I was responding to a promotion whereby new card members who spend {$500.00} within 90 days would receive a {$150.00} bonus. I did not receive the bonus, as promised in the promotion. I called the customer service number, who referred me to PayPal. PayPal referred me back to the issuing bank. I tried calling the bank multiple times with no resolution.

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 2023-08-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2022-12-29
Company: FIRST PORTFOLIO SERVICING INC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I changed my address and then my card was " frozen ''. I called to find out why and they told me to fax a " letter '' showing my intent to change the address. I have sent that fax multiple times and then on XX/XX/XXXX, I called and was told I needed to send bank statement and my ID to have the address changed. This was done and the company still says after sending this information three times, that they don't have it. Even when the fax transmission report for all three faxes shows " success ''. I want the " freeze '' removed, if not then I will no longer want this card and will not be paying the balance since I can not use the card and for the primary fact that by not getting my faxes or lifting the " freeze '' I believe this company to not be trustworthy with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2018-08-16
Company: Global Portfolio Recovery, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery LLC is a debt collector. They have called me repeatedly for several years about a credit card that was charged off in XX/XX/XXXX and purchased buy PR in XX/XX/XXXX. I have never made a payment or promise to pay to this company. 
I recently reviewed my credit report ( XXXX  ) and found that Portfolio Recovery is doing inquiries on my credit report as follows : XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX: XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; You will notice that this debt is 15 years old. I have not changed my email or phone number for over 20 years. I have had the same address for the last 11 years. 
I am now XXXX years old which would most likely preclude full-time employment. 
Numerous contacts with this company have not resolved this issue. I believe that since they can not list the collection on my report, they simply place inquiries to damage my credit. Notice that some of these inquiries are done as little as four days apart. 
Thank you for your help.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
TransUnion it is your duty to ensure that all information reported is consistent and most importantly accurate and complete and you have failed to do so. I have made several disputes on XXXX XXXX XXXX  XXXX Acct # XXXX, please delete erroneous immediately. A proper reinvestigation was not completed or you would see all the inaccurate and incomplete information on my consumer report. Here are a list of inaccurate and missing information I found. 
XXXX. XXXX XXXX but missing data see bank statement. Fix it or delete entire account. 
XXXX. XX/XX/XXXX paid amount but 30 days late. Fix it or delete entire account. 
XXXX. XX/XX/XXXX has ok but XXXX in amount paid. How do I pay XXXX? Fix it or delete entire account. 
XXXX. XX/XX/XXXX has ok but XXXX in the amount paid. How do pay zero? Fix it or delete entire account. 
XXXX. XXXX thru XX/XX/XXXX missing data but ok. Fix it or delete entire account. 
XXXX. XX/XX/XXXX has ok but missing actual amount paid section. 
XXXX. Missing information XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. Fix it or delete entire account. 
XXXX. Incomplete and missing data from XX/XX/XXXX XXXX XX/XX/XXXX. Fix it or delete entire account.

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