BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I purchased a XXXX XXXX on XX/XX/2019 from Kohls Department Store on XXXX XXXX XXXX as a birthday gift for a friend at the end of XXXX. Once I gave my friend the XXXX, we realized that it did not work properly. It will not sync and will not charge past 50 %. Kohls return policy states that with original packaging and original receipt ( which I have both ), purchases can be returned or exchanged up to 16 months from the date of purchase. When I attempted to return my item, only THEN was I told that this premium electronic item only has a 30 day return policy and there was nothing that could be done. It would have been impossible for me to return the item within 30 days because it was not opened or used until XX/XX/2019. All I asked them to do was exchange my non-working XXXX for one that works or credit back my account the purchase price of {$99.00} ( plus tax ) and they refused to do anything at all. I was never notified of this special time limit on my item at the time of purchase ( almost like when you are told All Sales are Final when purchasing a clearance item ). I am now - {$100.00} and have a XXXX that does not work. Its as though I am being punished for planning ahead and buying an item in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
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: 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 XXXX 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 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 2022-04-12
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 fraud alerts or security freezes

Complaint:
I received a letter from Transunion stating that they had experienced a technical issue which impacted the freeze on my file, and that I should call if I noticed any inquiries on my account. I called and was told I was never sent a letter. I was very concerned as I had to input all my personal data on the phone, including my full Social Security number, to get to an agent! I had to call twice, as I got caught in a loop that had no " go back '' or " talk to agent '' option. Finally got a rep who insisted and/or continually repeated that : a ) I had no such letter, b ) the freeze was active, c ) the inquiries would not impact my XXXX XXXX, and d ) I go online to check my report. She resisted several times transferring me to the XXXX department. That rep told me the freeze issue had been resolved but was unable to give any timeframes as to when the freeze was impacted.

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 2023-02-19
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent a payment in the amount of {$100.00} to XXXX XXXX, and it cleared my bank on XX/XX/2023 but was not credited properly to the account balance. The balance before I made " that payment '' was {$840.00}, and on top of that I Paid {$40.00} on the XXXX of XXXX, 2023. I called to speak to someone about it and all I got was rude representatives ( x3 ), one could not speak American English too well and the other two were just rude and not very customer friendly, so the communication ended without getting a resolution. There are two charges mad eon the XXXX and XXXX, but that was before I made the {$100.00} payment on the XXXX of XXXX, 2023 so my balance should be {$740.00} not {$840.00}. I could not discuss it with the reps cause they were not too customer friendly/oriented, etc. when I made the {$100.00} payment my balance was {$840.00} and that was " AFTER '' the charges made on XX/XX/XXXX and XXXX. I know American consumers have the right to discuss their account with financial institutions and have a right to be informed and their accounts be properly credited when payments are made outwith being treated with contempt and rudeness by the financial institutions agents ... ......

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 2022-04-12
Company: EQUIFAX, INC.
State: TX
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:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving 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 2021-08-02
Company: American First Finance, 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: Account information incorrect

Complaint:
Is this account was paid in full XX/XX/21 and was paid in full early.I need this balance to reflect XXXX balance I have with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Resurgent Capital Services L.P.
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:
My identity was stolen and was used to open multiple fraudulent accounts without my knowledge or consent. These accounts are now in collections and reflecting negatively on my credit report. I have Diputes these accounts multiple times and submitted police reports about my identity being stolen and these accounts have not been removed yet. Some agencies have even written negative remarks after Ive filed a dispute. This is impacting my life negatively with jobs, housing and applying for credit lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2021-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In putting my personal information in so I can have access to my credit report on XXXX XXXX XXXX From EQUIFAX Credit Report I click Equifax it said ready to get your report? Please enter the last four digits social security number to confirm your request and access your personal credit data. I do all that it ask it still will not let me have access to my credit report .I answer all security questions correct.still no access to my credit report on line. Equifax will mail me out one with no problem just received my report by mail 3-weeks ago. Equifax will let me access MY EQUIFAX.COM that they offer online but refuse to give me online access annual Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Bread Financial 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: Information belongs to someone else

Complaint:
Comenity Bank claims I had a card XXXX/COMENITY/VICTORIA. I am XXXX and a victim of identity theft. They refused to process my opt-out and they repeatedly respond to the credit reporting agencies saying it's my account and it's not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On Friday, XX/XX/XXXX, I opened a dispute against the XXXX Department of Education because they sent a letter stating my student loans were XXXX. Yesterday, Monday, XX/XX/XXXX, I received an email from Experian that my dispute was verified, and the creditor verified the information as accurate. There is no absolute way that my dispute was verified over the weekend if it was filed after hours on a Friday. I also submitted proof ( a letter sent to me from the XXXX Department XXXX XXXX XXXX, and a representative from Experian stated that the letter was not used to verify my dispute. This confirms Experian is not lawfully verifying disputes and illegally denying claims.

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 2018-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
I do not owe money to anyone. There is no reason for any debt collection service to be calling me. I am on the do not call list. I get multiple calls a day, four or five days a week from some company whose number comes up on my caller id as Portfolio Recovery. The phone rings once or twice, then they hang up. There is no message left. If I answer, they hang up. This has been happening for several months. I have called them back and told them to stop calling me. They insist they need all sorts of personal information from me to take me off their calling list. I have offered to give them the phone number only, but they keep insisting they need other personal information from me. I do not know these people. I owe no outstanding debt to anyone. I refuse to give out my personal information to them, but I want these calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was hoping it wouldnt come to this. But XXXXXXXX XXXX deserve to be protected!! I lived at XXXX XXXX XXXX for 2 years. I gave them 2 years of loyalty, never a late payment in spite of having to deal with, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX one of which was a good friend of mine in the neighborhood who owned the liquor store across from the apartment complex that happened directly across the street from my apartment unit and another third shooting that happened in my apartment complex at XXXX XXXX. Is one supposed to have to live like that? I carried out 2 years and when it was time for me to sign my third lease I had the option to sign that lease 2 months in advance. At the time my finances were not in the best position to move so I went ahead a signed the lease. Well, things changed when my friend was shot at the store, I needed to desperately move and for a peace of mind. My XXXX, my friend had just been shot and killed in his own store that I frequently shopped at. I never asked for any sympathy but 1 month before my new lease was supposed to go into effect I went to talk to XXXX who was the XXXX XXXX XXXX of the company that owned XXXX XXXX XXXX which was XXXX XXXX. I just asked that because my lease had not gone into effect could they simply waive the fee that they charge to break the lease. I've been a great tenant despite the issues. You have already taken my deposit that I paid which I never got back. Now you want me to pay {$800.00} to break the lease. so boom they put the {$800.00} on my credit when they know I'm moving to another place. the debt hit my credit faster than I could move out. So now I just recently settled the payment at {$400.00} which they could have offered that before and met me half way but now it effects my credit. This how you do XXXX people when it comes to credit. The lease had not even gone into effect. This entire situation was insane. I held up my end of the bargain by paying 2 years straight but they failed me as a tenant. provided no safety measures following the first shooting, didn't even offer resources for therapy for the mental health issues that could arise from simply hearing XXXXXXXX XXXX. we do our communities a disservice when we don't show empathy and we make it all about the money. that is pure greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Unifin Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was being bombarded by calls about a {$2000.00} XXXX ( varied ) debt to XXXX. Not having ever conducted a transaction with XXXX that would result in a debt, I largely ignored these calls for about 6 months. Finally, being fed up with call-blocking not being effective, I contacted XXXX directly XXXX probably sometime in 2020, I'm not sure ) by phone to ask if I had ever had a debt with them. They confirmed I did not, and then I closed my account as a precaution. 

Now I'm receiving statements from a debt collection agency called Unifin. Looking them up online, they appear to be legitimate- but many things can appear to be. I'm becoming more concerned about how this may affect me and I want it stopped before it causes me any damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
A 30-day late fee was place on my credit report with Capital One. They stated that they did not receive sufficient funds from my bank XXXX XXXX XXXX XXXX XX/XX/2019. My bank has sent a letter to them disputing this and informing them that sufficient funds were available during the time they attempt to collect the payment. Capital one will not resolve this and remove the negative mark on my credit or correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10  years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC 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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I insist that your bureau undertakes a thorough investigation into this matter and takes immediate action to correct the inaccuracies in reporting. The late payment dates must be updated to accurately reflect the true timeline of my payments, ensuring a fair and transparent representation of my credit history. 
XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
These inaccuracies not only tarnish my credit report but also have real-life implications on my ability to secure credit, loans, and other financial opportunities. I believe in the importance of accurate credit reporting, and I expect your bureau to uphold the highest standards in this regard. I request that you provide me with a written response detailing the steps taken to investigate and correct the inaccuracies on my credit report. Additionally, I urge your bureau to expedite the update of my credit report to reflect the accurate payment history without any further delay.

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 2023-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX Checking account opened online with Bank of America XXXX Called and verified, was told to visit a branch. 
XXXX left message for Mgmt to call, no response. Called Bank of America.. 

Verified chk was opened online. She advised i visit a local branch

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 2023-02-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I HAVE TRIED SEVERAL TIMES TO GET PAYPAL TO REVERSE A TRANSACTION WHERE THE PAYEE NEVER ACCESSED THE PAYMENT OF XXXX 2022 I REQUESTED PAYPAL TO SEND {$300.00} TO SOMEONE ( XXXX ) AND THEY NEVER GOT THE FUNDS AND I ASKED PAYPAL TO REVERSE IT THEY SEEM NOT TO UNDERSTAND AND HAVE CHARGED MY LINE WITH THEM FOR THE TRANSFER AND INTEREST CAN YOU GET TO THEM TO MAKE THE CORRECTION?

SECONDARILY IT SEEMSVTHAT THE LINE REQUESTED FROM PAYPAL IS RUN BY SYNCHRONY BANK AS A CREDIT CARD ADVANCE AVAILABILITY AND I AM CHARGED CREDIT CARD RATES BUT WAS NOT PROVIDED A ACTUAL CREDIT CARD VERY ODD .... 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