BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have addressed these issues multiple times to the Bureaus and furnishers with all the documents attached but what I get after these attempts was nothing except for errors, inaccuracies, and unverified remarks which are hurting my credit. I hope this time you can take action in accordance with the practices required by FCRA which some are providing feedback to the consumer 's request and information with100 % accuracy. Here, again, are the items that I am disputing for I believe they are erroneous and fraudulent : Charge off : 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 2019-06-26
Company: PNC Bank N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I removed an authorized user 2 years ago but she was still in my account today. I tried to add my grandson on XX/XX/19 it won't process because PNC never removed the other person. 
For this and other reasons I will be closing Checking., Savings, PNC every day rewards & PNC cash rewards account. I just need PNC to allow me 2 months so I can contact and change direct deposits from Government agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I got an Amazon only store card on XX/XX/XXXX got a bill made a payment of XXXX XXXX XXXX During the month of XXXX charges were made to my XXXXXXXX XXXX Card which was on file by not the Primary card on the Amazon account. So both accounts were put on hold XXXX sent me a new card and amazon refunded the money to my card XX/XX/XXXX XX/XX/XXXX they charged a late fee excessive if the cards charges are in dispute I called them XXXX XXXX XXXX XXXX and XXXX XXXX and all they could say was pay over the phone I verified on XXXX XXXX my profile and how the information is inputted and comparing the information to online statements. I made the attempt to pay XXXX XX/XX/XXXX and it shows it went through online. I called again in XXXX XXXX cause more charges were added and all they could tell me was insufficient funds. So I called my bank and gathered the numbers and verified the account numbers I paid the bill of XXXX with XXXX XX/XX/XXXX and still have a bill of over XXXX They are bullying me and committing 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 monetary relief
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Since XXXX I have attempted to get my credit reports to reflect accurate information. I contacted the creditor, who provided letters. I have had these updated and removed due to them being too old and TransUnion has made me write and call in multiple times. I was told by one supervisor, XXXX that he would place an expedited request to have it removed as it was too old to report on XX/XX/XXXX. Then on XX/XX/XXXX my credit report showed there was no update. I contacted them and spoke to XXXX XXXX who told me that the creditors letter did NOT state the date of delinquency was XX/XX/XXXX and that TransUnion can report up to 7 years after the account is closed. Well if that is the case, the account was closed on account # XXXX on XX/XX/XXXX so they are long past the 7 year time frame then! Also, the account ending in XXXX was closed XX/XX/XXXX and the account ending in XXXX was closing XX/XX/XXXX. So I am respectfully requesting that TransUnion remove the old negative information now as the timeframe is 7 years from the first date of delinquency and even if they wanted to take the account that was paid on XX/XX/XXXX, that Statute in MN ran XX/XX/XXXX, so anything else was time barred if it would not have already been settled.

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 2019-04-24
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Repeated phone calls and leaving messages that its a debt collection call because of deficiency, asking personal questions about me as a person in my place of employment, spoke with other staff member in my place of employment, leaving threats in my phone, sent a threatening letter.

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 2022-10-27
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2019-04-29
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I recently purchased a new car and the dealership arranged financing through XXXX XXXX. I received a letter 15 days later from Ally Bank stating they were denying my request due in part to credit score reporting from XXXX, XXXX  and XXXX. They listed a XXXX score from XXXX, nothing from XXXX and XXXX from XXXX. XXXX apparently listed as reasons : Not enough debt experience. Limited history at this phone ( I have had my current number for over a decade. No phone number is even listed there. ) Proportion of satisfactory trades too low ( I don't understand the term or grammar ). Too few bankcard accounts. 

I have a feeling this is not a legitimate company and they have access to my information. I am reading comments on XXXX XXXX and online and see a lot of people with the same complaint. It feels as though they are fishing. 

I do not want XXXX or Ally to have access to my accounts.

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 2019-04-24
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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2022-03-08
Company: JPMORGAN CHASE & CO.
State: MO
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 contacted chase bank due to fraud on my account. Chase told me not to worry and then sent out a new card. Come XXXX XXXX XXXX I notice an unauthorized charge from XXXX and they tell me it somehow processed on my old card and not to worry because I would not be responsible for this charge. XX/XX/XXXX I get a letter stating that I told them this charge was valid and that is a flat out lie. The charge was for XXXX which is a significant amount. My fear is that now I need to get legal representation because they say had an investigation but never asked me for any information. Everytime I call I am hung up on or transferred and transferred and transferred and then that person will tell me not to worry and that I am not responsible for those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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:
Trans Union is in violation of the Fair Credit Reporting Act and they are damaging me daily. I have requested that Trans Union ensure maximum possible accuracy of the information they compile in my consumer file and report about me in consumer reports. I have been disputing the same information that is not 100 % accurate since XX/XX/XXXX. When Trans Union refused to delete the incorrect and incomplete information in my consumer file, I sent follow up dispute letters demanding deletion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Because Trans Union refused to delete information that I provided proof of inaccuracy, I sent evidence from the California Secretary of State showing that companies did not exist in my state. I also requested a 609 full disclosure on my entire consumer file in writing since it appears that Trans Union has information that I am not privy to that refutes my disputes. Trans Union can not possibly validate and verify any information they are refusing to delete being that the alleged creditors do not exist. I have no recourse against any of the listed creditors as they do not have registered agents for me to serve legal process in California. Is Trans Union conspiring against me with entities that are elusive to me? It appears that Trans Union has some vested interest in continuing to damage me. 

Trans Union has refused to send me the 609 full disclosure of my entire consumer file in writing within 15 days. I sent it to Trans Union 's registered agent in California, so they can not say that they did not receive it. I also gave them a copy of my ID card. 

I have also requested that Trans Union delete addresses that do not belong to me. I can not and do not receive any important and/or legal mail at any address other than what I've provided to them. I demand that any and all other addresses immediately be deleted as I've been requesting. They do not have my permission to have any other address associated with me. This will expose me to identity theft attacks. 

I demand deletion of the information listed below. Trans Union can't possibly send my dispute to a company that does not exist and they have never provided me the address of the entity. Therefore, no further investigation is necessary. DELETE the accounts instead of continuing to harass me, defame my character, and damage 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 2017-11-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I applied to refinance the remaining balance of a 2nd mortgage ( XXXX XXXX ) in XXXX which was denied due to incorrect information being reported from primary mortgage lender. I continue to make payments and have never missed a payment but in XXXX XXXX charged the account off as a bad debt. My credit accounts should reflect, " charged off, paying as agreed, '' but does frequently does not. XXXX has been contacted regarding this issue at least twice, once in XXXX of XXXX and once in XXXX of XXXX. 
In a letter dated XXXX/XXXX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect account reporting as charged off, paying under a partial payment agreement. 
In a letter dated XXXX/XXXX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect Account reporting as charged off, paying under a partial payment agreement with all credit marks removed after the charge off date in XXXX of XXXX. 
I applied for a mortgage loan in XXXXXX/XX/XXXXof this year and was approved for same pending appraisal and final underwriting. I am now in receipt of a loan denial because XXXX is still reporting an inaccurate charge off date and is not reporting that the loan was charged off and paying as agreed. 
XXXX was contacted via USPS and via CFPB, according to XXXX they are reporting to that credit bureaus that my account is " charged off and currently paying under a partial payment agreement '' and that " XXXX XXXX is the charge-off date. '' The letter went on to say that the problem lies with the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had a Kohls Charge Credit Card for 9 years. For the 9 years of having this credit card I either went to the store and made a payment in person, or I called on the phone or did a one-time payment on the website. 

In XX/XX/2021 I forgot to make my payment by a few days, once I remembered I called Kohls, they reversed the late fee no problem and I processed my payment for the minimum due. After almost forgetting to make that payment, I decided I should just sign up for automatic payments so this didnt happen again. My bank account information was already saved in my account so all I had to do was set it up for the automatic payments, which I thought I had done. Next payment for XX/XX/2021 was suppose to be automatically drafted from my account, and then XX/XX/2021. Apparently the automatic payments didnt process. The 9 years of having this charge card this was my first time setting up the automatic payments and for some reason it didnt go through, possibly could have been an error on Kohls end. I was unaware of the XXXX and XXXX payment not going through, until I received a call from Kohls saying I was 2 months late, which I thought was a mistake and this was a scam caller because at that time, which I had thought I made my automatic payments. The rep. Told me I didnt make the payments, He told me if I paid the balance in full he would waive the late fees and the late payment wouldnt be reported. The late fees got waived but the late payment was reported which drastically dropped my credit XXXX points! 9 years I have never had an issue like this with Kohls, and after the late payment got reported I reached out several times to kohls and they said they cant do anything, even though they said they wouldnt report the late payment especially since this hasnt happened to me before and Ive never called them with a problem like this. This late payment is the only thing affecting my credit score, I havent had a late payment like this in 6-7 years and because of their website thats already difficult enough navigating through and didnt process with my automatic payments, I have to go through this. Not hard enough that at that time it was still COVID-19 and considered a natural disaster like everybody wasnt struggling enough, they couldnt even do a 1 time courtesy, or a good will adjustment due to all the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Diversified Consultants is reporting this account on my credit report for XXXX with account number XXXX after it was being reported & deleted by XXXX XXXXXXXX XXXX account number XXXX. I disputed this account per the FCRA and FDCPA and it was deleted by XXXX XXXX because it was not accurate and could not be verified or validated. Then, I get an alert on my credit report that Diversified Consultants reported it and I was never even sent anything in the mail from them. They just put it on my credit report and never gave me a chance to dispute it. This is a violation of the FCRA and FDCPA and should not be allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07
Company: Convergent Resources, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over the past few months, Convergent Outsourcing has sent me letters telling me to pay them XXXX because they 're claiming XXXX can not sue me for debt. I have asked XXXX for proof that I have any outstanding debt with them and they have stated no. I called Convergent and the moment I said I had called XXXX for proof they hung up.

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 2022-03-08
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit acceptance was paid in 2018 after an accident. Insurance paid total loss of car. This account was closed. The company is committing fraud by keeping account open and still accumulated charges after debt and amount was settled. They are providing false information stating account is open and they are still charging m9nthly charges when the car was sold to Insurance company. Credit acceptance agreed to amount check was issued. The company has been performing abusive acts by false reporting each month and past harassing collection calls

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 2021-04-16
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
As of XX/XX/XXXX PNC HAS NOT UPDATED MY BALANCE CORRECTLY. My account number is XXXX. I've longed complained for the sum of 3 months about my ledger balance. PNC 's algorithm hasn't been updating correctly. My ledger balance is not updating correctly which is causing overdraft fees and misappropriated funds. XX/XX/XXXX i was granted a covid relied fund totaling the amount XXXX and XX/XX/XXXX my payroll deposit went in in the amount XXXX the morning of XX/XX/XXXX my account was overdrawn XXXX by no cause of my own. My total spending did not exceed the amount of available funds. I contact pnc 's escalations team about the missing Money in my account in the latter of XXXX XXXX .The account escalations rep XXXX XXXX XXXX XXXX XXXX, of whom I've yet to have a conversation with about the account however she has noted the account as if the bank has no wrong doing. PNC sent me a email stating my account was overdrawn for 12 days in the amount of XXXX since XX/XX/XXXX, i emailed XXXX XXXX my receipt for that day and the copied email stating the system is no calculating the account activity correctly. i also visited the branch in XXXX Maryland and spoke with a XXXX XXXX XXXX about this and although he was polite he referred me back to XXXX XXXX. I can't prove yet it appears someone employed is preying on lowered income peoples accounts.

Company response to consumer: Closed with explanation