BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to me.

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 2023-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello I have tried a numerous of times to have XXXX and Capital One to correct my soft inquiries. I have 128 Soft inquiries from XXXX and Capital One each party keeps sending me to the other party. Which I am told to get it corrected by the other party. No one seems to want to correct it this has affected me it has hurt my credit report. Each party consistently tell me it's not hurting my credit report 128 inquiries does hurt your credit report. Especially when you have not applied for any credit. I spoke with the 20managers at Capital One each one of them refused to help. I begged to speak to anyone for help me. The manger by the name XXXX stated there was no one above him and so did the next manger. I felt as if they should have gone overboard for 128 inquires in which the mistake was on Captial one. I was antagonized as if it was my fault asking me questions and basically stated it's my responsibility to dispute the 128 inquiries, however when I tried to dispute with XXXX. I was told to go to Capital One. It's just a redundant domino effect and no one seems to want to help me. Please get this corrected regard to my credit reports. In which has affected my livelihood. No one wants 128 inquiries on a credit report. No party seems to want to take accountability and get it corrected. I been turned down for credit with bigots when my credit score was XXXX. 

Thank You XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 called Trans Union in regards to the glitch that happened last summer in 2016 and again in the beggining of the year 2017 where inquiries were deleted and then re added back to my report illegally due to the fact no one notifed me in writing within the 5 days. These inquiries add a hardship and my rights were violated! Please fix this as I feel victimized by trans unions tactics.

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2019-09-12
Company: U.S. BANCORP
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:
Two ( 2 ) applications for credit fraudulently using my name were submitted to XXXX by : 1 ) US Bank and 2 ) Elan Financial during XX/XX/2019. The person committing the fraud used a 10 year old previous address. I was called by US Bank as they were suspicious of the old address. I confirmed I did not apply for credit with US Bank and Elan Financial. They told me they would : 1 ) cancel both credit applications, and 2 ) advise XXXX to remove the inquiries from my Credit Report. I wrote to both XXXX and US Bank/Elan   formally requesting removal of the hard inquiries twice. They have NOT removed the fraudulent hard credit inquiries.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
It is customary and a precedence as well as consumer reporting practice to notate when an account is in dispute. This account was not notated as such, therefore mandating a removal of the 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
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: PA
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:
XX/XX/2015 a XXXX  XXXX account was open fraudulently. I continue to dispute the account off of my experian report and they will not delete it. The XXXX XXXX account is not on any of my other credit reports. I am providing documentation from XXXX  XXXX stating theyre linking the account to me by the address XXXX XXXX XXXX XXXX XXXX Pa XXXX which is not my address and not listed on my credit report. I have also been told by Experian that they will delete the account and it has not been deleted. At this point Experian is allowing inaccurate and wrong information to be reported on my credit report and this is a violation of FCRA. If this account is not deleted immediately my next step will be to hire an attorney and sue Experian as this is costing me thousands of dollars in interest and taking time to handle this.

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 2022-10-18
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list items that needs to be delete in my file : 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 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 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 2021-12-14
Company: CAVALRY INVESTMENTS, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried to reach someone to pay the account and I have a mortgage pending. Everyone is unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: CITIBANK, N.A.
State: SC
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 tried to dispute charges on my Citi Card with a company called XXXX   XXXX XXXX. The charges on 2 of my Citi Cards totaled over 8,800.., but I paid XXXX XXXX in total over {$16000.00} for services that were never provided. That is the reason for this dispute : I did not receive the product and services as was described to me. 

Around the time of XX/XX/2015, several different companies approached me when I was starting and trying to make a successful online business. 

In that period, I was taken advantage of and defrauded for thousands of dollars by these companies who allegedly and falsely promised me great earning potential. I was led to believe I would greatly benefit by signing up with XXXX XXXX XXXX to market my website. In total I have paid them thousands of dollars to create a website that is worthless and non- functional. Instead I have been left with severe debt because of their false promises. 
It has been brought to my attention that these companies are con artist and the FTC is investigating companies such as these. PLEASE HELP ME GET MY MONEY REFUNDED AND HELP PUT A STOP TO THIS.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: LA
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 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 2019-12-20
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: Was not notified of investigation status or results

Complaint:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need this items deleted from my credit report : XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, NO ACCT NAME, XXXX, XXXX XXXX. Inquiries : XXXX  XXXX   XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. 

I have contacted my local police and the FTC. I am doing this on my behalf.

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 2021-02-01
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I use autopay for most of my bills to ensure they are paid on time. However, I use the paper statements, sent in the mail, to validate purchases and reconcile my bank accounts. Furthermore, I check my email infrequently so I never enroll in paperless statements with billers. When checking my email, I noticed the attached " Email 1 '' from Synchrony bank sent on XX/XX/XXXX informing me that my Amazon Store Card account will switch to paperless billing. Upon discovery of this email, I clicked the link to continue to receive paper statements. Now I'm keeping a much closer eye on my email in box and received the attached " Email 2 '' on XX/XX/XXXX announcing that my " statement delivery is about to change. Again, I clicked the link to continue to receive paper statements. I should not have to respond to weekly emails to continue to get my credit card statements mailed to me. I wonder how many Synchrony credit card holders were impacted and how many did not see a notice of this change. I believe it is also very likely that some people could potentially miss a payment and be subject to late fees and interest charges as a result of not getting their statement in the mail as they have become accustomed. I always thought that consumers had to agree to receive paperless statements but apparently sending statements in the mail has become a cost burden for a company that charges almost 26 % interest. This is ridiculous and should be illegal.

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 2023-03-14
Company: The Savings Group, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On Sunday, XX/XX/23, I signed up for XXXX XXXX after completing my taxes using XXXX. XXXX XXXX " recommended '' an auto loan refinance with RateGenius, and displayed an advertisement for RateGenius showing the outstanding amount on my current loan an estimated monthly payment of more than {$70.00} less than my current loan, and an interest rate of 3.30 %, which is 0.69 % lower than my current loan, for a 36-month loan, and no fees are indicated. That offer made sense to me and so I applied. I completed all of the required information and answered questions for a RateGenius representative who called me. 

This included agreeing to a " hard '' credit inquiry -- which impacts my credit score. Still, I was willing to do so because of the amount of money I would be saving monthly and over the life of the loan. 

And, by the way, my credit score is excellent -- XXXX. So there is no legitimate claim that I should not qualify for the best rate. 

The RateGenius representative then called me back saying I was approved for a loan at more than 4.6 % APR -- far higher than I already am paying! Obviously that is not even close to what was advertised and in no way something I would have even thought about had the advertising not been misleading! 

Clearly the rate and monthly payment amount advertised by RateGenius on XXXX XXXX was nothing more than a " bait-and-switch '' type offer to get me to apply for a loan. Now I have a " hard '' inquiry on my credit history for no good reason whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The company continually applies fees when payments are late. Email notifications are not being sent. The company has acknowledged this several times over the past year. It's just not getting fixed. It's 2019. People rely on email and text reminders. The company teases customers with rate and credit line increases but coincidently will forget to send a notice when the time comes for a credit increase. 

I've been a Capital One customer for over 12 years and I'm treated like trash. I opened this card as a credit builder and my experience has been mostly obscenely long hold times ( sometimes over 60 minutes ), condescending customer service reps and misinformation. I've given up countless evenings after work or I have to wake up an hour early just to call about getting my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Set monthly payment up on bi-weekly for {$650.00} and after the first of the year my escrow amount increased. Instead of the company notifying me of the increase of escrow and change in payment, they automatically changed the payment amount drafted out of my checking account. I already paid an extra {$20.00} towards principal each payment and they increased the amount withdrawn out of my account anyways. It should be against the law for them to change the amount drafted without getting permission from the account holder first. Thank you for your help with this.

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 2021-07-16
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My dorm room was broken into & all my stuff including my ID was stolen. I now have unauthorized inquires 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 explanation
Consumer complaint received 2023-08-09
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: Information belongs to someone else

Complaint:
I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) RE : Account Number XXXX Account Number XXXX XXXX {$3200.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$4400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT 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
Consumer complaint received 2023-03-14
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: Account information incorrect

Complaint:
I have spoken to XXXX XXXX XXXX on numerous occasions about not turning in correct information to the credit reporting companies. I have paid XXXX XXXX XXXX off and have a credit of about {$30.00}. They keep reporting that I have a balance of XXXX as of today XX/XX/23. My balance was paid 2 weeks ago. They reported to XXXX that my balance is only {$85.00}. I don't have 2 accounts with them, I only have 1, so they are attempting to keep my credit score at a minimum score by reporting one amount to 1 agency and another amount to the other company. Fraudulent 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 non-monetary relief