BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
IMPROPER COLLECTIONS ON CREDIT REPORT PAYMENT HISTORY LISTED ON CREDIT REPORT UNAUTHORIZED THERE ARE SEVERAL ACCOUNTS OVER XXXX XXXX XXXX SOLD TO COLLECTION AGENCIES. 
INACCURATE DATES OF ACCOUNT OPEN DATES : XXXX * XXXX XXXX XXXXXXXX STATES DATE OPENED XX/XX/XXXX WHICH IS INACCURATE. 
XXXX, XXXX STATED I HAVE A CHARGED OFF AMOUNT OF {$450.00}. THIS IS INACCURATE. I WOULD LIKE TO SEE BAN STATEMENTS THAT I HAVE PREVIOUSLY REQUESTED ALONG WITH SIGNED DOCUMENTS OF WITHDRAWLS AND OVERAGES ON THE ACCOUNT. I NEVER RECEIVED THIS INFORMATION AFTER DISPUTING THIS ON THE XXXX APPROX. 2 YEARS AGO. I HAVE ALSO TRIED GOING TO THE BRANCH AND FOUND THAT IT HAS BEEN CLOSED. I NEED SIGNED DOCUMENTS PLEASE BECAUSE IDENTIFICATION IS NOT ALWAYS REQUIRED INSIDE OF YOUR ESTABLISHMENTS. ALSO MY XXXX REPORT STATES THAT THERE IS NO DATA AVAILABLE FOR XX/XX/XXXX UNDER MY PAYMENT HISTORY. PROVIDING ALL OTHER MONTHS BEFORE AND AFTER XX/XX/XXXX IS AVAILABLE ABOUT THE ALLEDGED DEBT I OWE. 
XXXX XXXX XXXX- CREDIT CARD ACCOUNT REPORTS MY CREDIT LIMIT WAS {$230.00} WITH A BALANCE OF $ XXXX IS INACCURATE. MY CREDIT LIMIT REPORTED BY XXXX XXXX IS INACCURATE AND SHOULD BE REMOVED FROM MY CREDIT REPORT. FIRST PREMIERE REPORTS ON MY XXXX REPORT THAT MY LAST PAYMENT WAS XX/XX/XXXX HOWEVER MY PAYMENT HISTORY REFLECTS PAYMENTS RECEIVED IN XXXX XXXX AS WELL AS XX/XX/XXXX THIS INFORMATION IS NOT ACCURATE AND GIVES CONFUSING INFORMATION ON THE PAYMENT HISTORY AND IS INACCURATE. THIS INACCURATE REPORT SHOULD BE REMOVED FROM MY REPORT AS WELL. 
XXXX XXXX XXXX THAT THE ACCOUNT HAS BEEN CLOSED AT CREDIT XXXX 'S REQUEST AND THIS IS INACCURATE. I CURRENTLY HAVE A OPEN ACCOUNT WITH A {$200.00} CREDIT LIMIT AVAILABLE AS OF XXXX XXXX PER XXXX WEBSITE. THIS INFORMATION ABOUT ACCOUNT BEING CLOSED REFLECTES NEGATIVELY ON ME AND SHOULD BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 
*

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a customer with Capital One for over 13 years. Recently I applied for a consolidation loan to get my interest down so I was able to pay off this card IN FULL. I had been in contact with them around the week of XX/XX/2018, letting them know that I would be paying the full amount of {$4500.00} at the beginning of XXXX and if it was possible to waive the {$25.00} late fee. The woman said that " it wasn't an option. '' However she did inform me that after the payment was received they would review the fee again. 
I paid them in full on XX/XX/XXXX. I called and again on XX/XX/XXXX and was told, " there's nothing i can do. '' Not only was I charged a late fee, but the interest was also applied at {$58.00}. 
I called again the same day asking to speak with someone else. The gentleman was nice but he couldn't do anything either, other than file my complaint. 
Now I have received a new statement for XXXX. When I only initially owed {$25.00} ( the late fee I was contesting ) my new statement has me owing a whopping {$61.00}. I was charged {$36.00} for {$25.00}?!?!?!?!?! 
I plan on calling and complaining again today. However, I doubt I'll see any action, since I never even received a confirmation email from Capital One from my previous complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10
Company: Experian Information Solutions 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:
Date of Fraudulent inquiry : XX/XX/2021, Company : XXXX XXXX XXXX Company address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Request Originator is fraudulent activity and I have already contacted all 3 credit bureaus & XXXX XXXX XXXX and reported this fraudulent activity that was not authorized by me or attached to any open account. I am contacting you guys to have this fraudulent inquiry removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Credit Karma, LLC
State: TX
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:
Credit karma said that the credit cards saying I was pre approved for, were incorrect, causing a hard hit to my credit score. This effected my house buying g process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: EQUIFAX, INC.
State: PA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Navient Solutions, LLC.
State: AZ
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:
Navient is reporting inaccurate information, they have reported to the credit bureaus that I was late in XXXX and XX/XX/2018. I wasn't late and it also states I was 90 days late, I had brought this up to them and they changed my credit reports to different 90 day payment late times to XXXX XXXX XXXX, they are falsifying information as they reported I'm late when I was never late, they are continuing to show that I'm late 90 days when I had on time payments in the previous months. I am requesting that these payments are showed as paid on time and never late, I've sent a letter to the CEO and they are just giving me the run around. it clearly is reporting in accurate information on being late in XX/XX/2018 and XX/XX/2018, then they moved the late reporting and changed it after I had did my last dispute so the credit bureau or navient is moving around the late payment dates with the bureaus and no one is wanting to help me resolve this I am asking for a full proof of what the in accurate reporting to the credit bureaus and also why on the credit pulls I've done they are changing the late times. please look at the credit reports that I've enclosed. its the job Navient to report the accurate info to the bureaus and they are not and then change the info and please look at the proof in the attachments. please look at the enclosed attachments and you can see they changed the information to the credit bureaus on the times I was late after I did my dispute on this in accuracy. the reports I have saved for XXXX and XXXX show the XXXX and XX/XX/2018 I was 90 days late and after I had done several disputes for the inaccurate info Navient then change the 90 day late payments to XXXX and XX/XX/2018 so this is falsifying or minupalting or certainly reporting inaccurate information please look at this and help me delete this account for reporting inaccurate information on my credit bureau reports. after I did my disputes they went and changed the information reporting to now a different time to the previous month so this shows they aren't telling the truth regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase Bank fraudulent transaction Claim # XXXX closed per Update letter XX/XX/19 and removed XX/XX/19 credit of {$3000.00} from account XXXX XX/XX/19 while XXXX took care of a coworkers identical fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: ONLINE Information Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : Online Information Services is reporting an " alleged account '' in the amount of {$100.00}. 

This " alleged account '' was never validated and is in violation of the FDCPA. Please delete asap. 



Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: NJ
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:
Disputed specific accounts on my credit report and included a copy of my up to date drivers license, social security card and proof of address such as my XXXX bank statement. That all match equally, and further more was sent an email notifying me that they will not investigate, obligating me to use their " disputing tools and credit services '' which many come with a premium price that should not have to be paid in order to freely dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: AZ
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 writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible.

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 2022-10-08
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
FedLoan Servicing is handling the student loan refund in such a chaotic way. I called first on XX/XX/22 to request a refund. They said they put the paperwork in for around XXXX ( what I paid during covid only ) and it will be 30 days. Apparently they have an automatic voice recording of when you filed for the refund and mine said my application was never filed. 

I called customer again on XX/XX/22 and filed another refund, but this time she said it will be a refund of XXXX, all that is eligible for the student loan forgiveness. Then I inquired more about the cutoff date for refunds since I read that it is only for what was paid during covid suspension. 

I spoke to like XXXX different customer service representatives that day and they all gave me different answers to my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
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:
On XX/XX/21 I made an online purchase for a air mattress with Mattress Firm. I immediately ask for a cancellation through chat ( which I wasnt aware that you can not speak to anyone by phone ). I sent a request to ask for a refund. On XX/XX/21 a representative name XXXX XXXX contact me by email saying it will take 2-3 business days for a refund. Well on XX/XX/21 I emailed XXXX XXXX asking for status on my refund. Per XXXX XXXX Please allow 2-3 business days. I emailed again on XX/XX/21 asking for status of my refund. Per XXXX XXXX She apologize for the delay and that my card will not be charged since the item wasnt shipped. I checked my account on Synchrony.com website ( which is the credit card company for Mattress Firm ) and my account was charged. I sent another email to customer service representative XXXX XXXX On XX/XX/21 asking for status of my refund and also ask for a phone number to speak to a Supervisor but no response back from XXXX XXXX I also contact Synchrony customer service Department at ph # XXXX spoke to Supervisor XXXX, per her shes unable to credit back until Mattress Firm show proof of cancellation but I can fax proof of the request to their fax # or upload it to my account with synchrony. I uploaded the emails online to synchrony account but no one has responded and no one has credited 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 2023-09-16
Company: EQUIFAX, INC.
State: VA
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:
I have XXXX hard inquires on my credit report and all but XXXX are actually mine. I have already submitted an FTC report and I would like these hard inquires removed from my credit report. According to the FCRA, I am eligible to have to unauthorized inquires removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: VA
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'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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-24
Company: DISCOVER BANK
State: VA
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:
According to the FCRA account # XXXX Discover card-Has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/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 2020-12-28
Company: OPORTUN FINANCIAL CORPORATION
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This company popped up on my XXXX XXXX saying that I had high chances of getting approved from a loan up to {$1500.00} with them. So I did the pre-approved application with them on XX/XX/2020. I submitted all of my documentation on the site and they allow me to link my bank accounts in which they did not accept but when I called them they refused to remove my XXXX  and XXXX  they said that they were prepaid accounts and that I can not use that for deposit. So I had to call XXXX  to get into my XXXX  account that I hadnt used in a while. I finally was able to access it after a week, throughout XX/XX/XXXX to XX/XX/XXXX this bank has called me continuously saying that I was pre-approved and that I had to send in the rest of my documents. On Sunday XX/XX/XXXX, I uploaded the first page of my statement ( as requested ) and was told I would get an answer back if approved or denied in 15-30 minutes. That time went by I called they told me the same thing, the time went by again, I called again they told me sorry for the miscommunication 30 minutes to 24 hours that I will received a TEXT MESSAGE or EMAIL stating if I was approved or denied. Monday came and left was calling and they would say the same thing 30minutes to 24 hours, Tuesday came they said the same thing, Wednesday through Sunday no communication from either one of us. Monday XX/XX/XXXX I call and spoke with someone they said my application was denied and that I will received a response by mail, then they told me my application was canceled. All communication was by phone, text, and email when they kept contacting me to send in documentation. Now? They refuse to give me an answer as to why I was denied, my credit is in good standing and all I needed to do was submit my banking information they ran my credit I received the inquiry but promised me a response with a certain time frame and didnt get back to me now are saying I have to reapply. I do not want my information in their system anymore they refuse to take it out of their system as soon as I sign in my name and personal information comes up telling me to reapply I do not want to reply I do not feel comfortable them having my information.

Company response to consumer: Closed with explanation