BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-27
Company: LendUp Loans LLC
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am attempting to cancel a credit card. I called the customer service line provided on the back of the credit card on 3 separate occasions on XX/XX/19 and XX/XX/19. First, it's pretty difficult to actually get to a customer service representative ( CSR ) and when I finally do and inform the CSR I wish to cancel the card, the CSR 'checks ' my account and then informs me another department has to process the cancellation and provides me a number to call. The number provided is the same number I dialed to get to the CSR I'm talking to. When I inform the CSR of this fact the CSR insists it's the only number available. I ask to speak to a supervisor and the CSR refuses my request. I have also sent emails ( X2 ) to their customer support email address requesting the card be cancelled with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit 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:
The company asked me for identity verification I provided it on two separate occasions and also made three separate phone calls and tried to talk with them very politely and ask them how did I get my checking account clear and verified my identity but yet I couldn't verify my identity for the card while my credit card that is but I definitely verified it for my bank account but yet they're both the exact same company and I used the checking account to pay on my credit card my complaint is why would they charge me interest on some small amount that's due which I will always pay my bills that's not an issue my issue is why do you want me to pay on a card that I can't use and also on top of it they made a couple of mistakes cuz I looked over my bill and I paid my balances all on time but yet now they're missing my credit up over some petty {$16.00} and the bad part about it is is I did pay my minimum balance every single month and have proof of it so they're wrong for that and I'm very upset I would just like some help with this please because somebody needs to let them know that this is not cool to do to people because when I'm at the store trying to use my card and it's embarrassing and also it's inconvenient and I'm pretty upset and hurt about this because I really trusted this company and I also have my banking account through them that I use daily I wish we could resolve this they won't even send me a new card they trying to act like I'm somebody else or something like that and that's not even possible because I've showed them proof of my social security card my identification of showed them everything possible I can think of to prove who I am it's not that hard for them to see and then they said that my card was undeliverable which I know isn't true because the other card that they sent me came with no problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX .... Balance : {$40.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Yes A few days ago I logged into my Chime Account and it was locked. It gave a message to submit documents to verify my identity. Upon submitting documents I received a immediate response to send documents again. This repeated all day for 4 business days. Ive called Customer service they tell me to wait for email Everytime. I explain the issue to them and the response is wait for email 24hrs. This is the bank account my weekly paycheck from work goes to and they are not trying to solve my issue. I am requesting account deletion and funds to be transfered to XXXX account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Convergent reported inaccurate information to the credit bureau on XX/XX/XXXX and XX/XX/XXXX 14 days apart not a full 30 days apart, the balance dates were different and the amount owed was different as well. Please see highlights in file. This caused my credit score to drop drastically by 65 points right in the middle me closing on a home, which in turned raised interest rate to a point where I did not feel comfortable accepting. I was so alarmed that I called Convergent immediately to clear up any balances without them verifying the debt because I just wanted it paid and removed from my credit report. Once I contacted them I was told by one of the agents that it would be deleted from my report within the next 30 days. This did not happen, this account still remains on my report. Convergent is in violation of 15 U.S. Code 1692e at this point for false or misleading representation. I have called them several times and asked if they would remove it and their answer is always no. I am continuously being quoted higher interest rates because of this paid collection. I would like this collection account deleted from my credit file, so that I can obtain a fair and reasonable interest rate on the purchase of my home and other credit purchases. The debt has been pay why is is still showing in collections on my credit profile. Please delete

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 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
In accordance with the Fair Credit Reporting act XXXX ( Original Creditor : XXXX XXXX ) # XXXX, has violated my rights. 

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 an account without my written instructions

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 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Not my information reporting.

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 2021-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I started receiving several fraud detection notifications from Capital One for unusual charges. I called, we closed that card number and reopened another, and disputed all the charges I did not make. About a week later I started receiving packages in the mail of random junk. I noticed that two charges were added back from the fraud dispute, and Capital One notified me that the merchants provided valid tracking information and that I was liable for the charges. 

I was advised to return to sender anything that I had. They credited one of the charges that was {$5.00}, but a charge for {$47.00} they were holding me liable for. I contacted the merchant, they said there was no way for them to refund anything that was processed as return to sender unless I called and got an RMA. 

I filed with US Postal Inspection Service for mail fraud, and Capital One still did not care and said the case has been resolved. I suspect this is some new fraud scheme involving mailing overpriced junk and sending consumers into a dispute circle with the hope that they give up from the small amounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21
Company: Sequium Asset Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While monitoring my credit I found a collection account for XXXX dollars, I immediately contacted SEQUIUM ASSET SOLUTIONS , LLC XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX and was informed XXXX XXXX had placed my account for collections as a result of missing equipment. I did not agree that I had not returned the equipment, but I paid the XXXX dollars to avoid having an active collection account. I Called XXXX XXXX  / XXXX XXXX XXXX XXXX. XXXX XXXX XXXX TX XXXX and disputed that I had not returned any equipment. After an Investigation XXXX XXXX agreed with my assertion that they had placed my account in collections erroneously and refunded the XXXX dollars. I then contacted Sequim Asset Solutions at which time I was informed XXXX XXXX would have to notify them the account was not supposed to be in collections and they would remove the negative information from my credit report. I then spoke with XXXX XXXX  and they informed me that they had notified Sequim and XXXX XXXX  could do nothing more with regards to my credit report. To date, nothing has been removed from my credit report with regards to this collection account. I have disputed the accuracy of the information and the information remains. I do not believe that Sequim has actually investigated the validity of the information only that at one time a false assertion and collection was engaged in. I spoke with XXXX XXXX and was informed they had notified Sequim the balance was paid and no further action was taken. This was in XXXX XXXX XXXX investigated My assertion in XXXX and a refund was sent to me in XXXX of XXXX. XXXX at XXXX XXXX considers this matter closed and I would have to Write to XXXX XXXX  for Further assistance. This seems to be a simple mistake to correct but both Sequim and XXXX XXXX  refuse to do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TRANSUNIon does not allow me a mechanism for placing a permanent credit freeze not for erasing all information from their 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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Last reported XXXX XXXX, XXXX {$500.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 5 mos ) 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

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 2020-03-18
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:
A while back I lost my purse with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$31000.00} XXXX XXXX {$6000.00} XXXX  XXXX {$7000.00} XXXX XXXX XXXX {$3800.00}

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 2023-11-29
Company: EQUIFAX, INC.
State: OH
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:
A small claims lawsuit has been filed by XXXX XXXX XXXX against XXXX, Equifax, and XXXX credit bureaus. The lawsuit alleges that these credit services have been reporting inaccurate information, compromising XXXX XXXX XXXX 's credit profile due to fraud. Despite multiple notifications to the credit services, the necessary corrections have not been made. This notice serves as an attempt to settle the issue of the misreported information. Failure to update the credit profile appropriately may result in the continuation of the lawsuit to seek damages from all three credit bureaus. This letter provides an opportunity to rectify the errors, and it will also be presented as evidence in the lawsuit. Thank you. 

accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
WAS LOOKING FOR THE CAR BUT NEVER GIVE PERMISSION TO RUN MY CREDIT REPORT WITH THE BELOW BANKS AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30
Company: ERC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Recievd bill from debt collector ERC in regards XXXX XXXX for a bill of XXXX which is incorrect. My service was cancelled with XXXX due to having no service dropped calls and poor service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: GA
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:
I currently have Fruad accounts and inquiries appearing on my credit report. I have attached an FTC Report for supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I, XXXX XXXX, am informing you of my final communication before I sue your company. You have failed to complete an investigation into the accounts that were disputed almost 6 months ago. I submitted a FTC report and proof that my information was compromised in the Equifax data breach, and you continue to report the following accounts and inquiries. I am keeping close tabs on each dispute letter and complaint submitted. 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. Please see the attached FTC report and remove the aforementioned accounts. I've sent multiple disputes and complaints regarding the information listed on my credit report. Please see the attached letters and remove the following accounts from my credit report including these unauthorized inquiries that should have been removed 6 months ago the unauthorized inquiries listed in the FTC report as follows CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: SYNCHRONY FINANCIAL
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:
I applied for a Verizon credit card from Synchrony bank a few weeks ago. The company pulled my credit from two bureaus and the company admitted they never pulled XX/XX/XXXX and to submit proof so theyd have it removed. A person called XXXX XXXX from Synchrony Bank told me to contact her at XXXX extension XXXX. Ive been calling that person for a week and she never answers or returns my calls. Effectively not fixing their mistake and not contacting me or caring in any way. 

If youre reading this XXXX XXXX, call me and provide direct contact information to submit a credit report showing your company indeed DID pull my XX/XX/XXXX. Ive left you multiple voice messages. It seems your company only cares when people file complaints.

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 2023-11-29
Company: EQUIFAX, INC.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
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: Investigation took more than 30 days

Complaint:
XX/XX/2023 a dispute was sent to Trans union in relating to accounts that were on my credit report that did not belong long to me. These accounts were fraudulent. I submitted a FTC fraud report, police report, attached to a letter to TransUnion, as well as XXXX, and XXXX. XXXX and XXXX removed the fruadulent accounts but not TransUnion. On XX/XX/XXXX, I sent a 2nd letter to TransUnion stating that XXXX & XXXX removed the information. How is TransUnion verifying this information if all 3 bureaus get the information from the same source? I reattached the police report and FTC fraud report. On XXXX, XXXX XXXX  I received a letter from TransUnion stating they will reinvestigate. As of XX/XX/XXXX the information disputed has not been properly verified by TransUnion.

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