BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
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:
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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old 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 explanation
Consumer complaint received 2018-06-11
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:
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 explanation
Consumer complaint received 2018-04-25
Company: Convergent Resources, Inc.
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: Account information incorrect

Complaint:
XXXX XXXX has incorrectly reported on my credit report for a collection of {$230.00}. My balance was paid through XXXX and XXXX XXXX has incorrectly reported a collection report on my credit report. I would like XXXX XXXX to immediately remove it's report upon my credit report to all 3 credit bureaus. 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
Consumer complaint received 2018-04-25
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Someone open accounts using my private information without authorization and cause a debtor status to be placed upon me without authorization or disclosure.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have two XXXX XXXX accounts that were apparently charged off and bought by this company, but they have very similar amounts, and the same account number. I've only ever had one XXXX XXXX product. The dates are similar too. I am requesting validation of these debts as they do not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
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: Investigation took more than 30 days

Complaint:
On XXXX I sent letter addressing the problems on my credit and I still have heard no response at all from the credit bureaus. Credit reporting, credit repair services, or other personal consumer reports

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 2018-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
Mail offer for 0 % 18 months on purchases and balance transfers and {$0.00} balance fee for first 60 days. Received new card with disclosure summary which reflected same as mail offer but when the card was activated CS rep said no!!!!! card terms were 15 months 0 % and 3 % transfer fee! Was transferred to 6 CS reps for total of 2 hrs and last one only offered to waiver 3 % after transfer posted to account which I refused. I WANT THE TERMS OF THE DISCLOSURE SUMMARY THAT CAME WITH THE CARD APPLIED TO THE CARD WITH WRITTEN PROOF before I do any transfer balance! Clearly BANK OF AMERICA is using this tactic. of bait and switch targeting retired people

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 2019-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have two Capital one accounts that were apparently charged off and bought by this company, but they have very similar amounts, and the same account number. I've only ever had one capital one product. The dates are similar too. I am requesting validation of these debts as they do not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home is being foreclosed on by, and tried to get help with a loan modification, but Well Fargo will not work with me. I also mailed a QWR and Debt Validation letter, and they have not responded to either

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 2018-02-14
Company: JPMORGAN CHASE & CO.
State: IL
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:
Yesterday I received a notice from Chase ( dated XX/XX/XXXX ) XX/XX/XXXXin regards of the XX/XX/XXXX charge from XXXX XXXX merchant. The dispute arises from the XXXX XXXX was not willing to issue a refund deposit of XXXX XXXX at its XXXX, XXXX location when the card was returned on XX/XX/XXXX. The dispute was initiated the same day and I requested the card to be closed to prevent other unauthorized charges being conducted by the merchant. The merchant attempted to also charge me with alleged damage to the car dispute purchasing a valid XXXX coverage for the duration of the car rental. 
Subsequently the card was closed and all remaining balance paid. Chase also de-listed the card from the electronic menu so getting the letter dated onXX/XX/XXXX comes as great surprise. 
I would like Chase to provide its own internal chronology of events as pertaining to the cards use starting XX/XX/XXXX and all applicable credit card statements showing the transaction sequences including all activities on the card. 

Also please note that all applicable dispute took place in XXXX and not in US $ as referred to me in its communications as all transactions in dispute took place not in US but XXXX. 
I would also like to ask CHASE the following : 1 ) Why the issue is now being resurfaced after Chase own attempt to intervene on behalf of the merchant dispute its own stipulated 45 response time. As response to my message it provided records which had its time marks deleted and the follow up call on its behalf refused to present a coherent time frame in which the matter was being investigated and handled? 
2 ) Why the message is being sent 4.5 months after the initial dispute ( XX/XX/XXXX ) took place and the credit card closed? 
3 ) What does it say for Chase own procedures and processes where it issues its own finding on the issue without any supporting evidence and documentation?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my wife passed away on XX/XX/XXXX we had mortgage insurance it took several atemps for the ins. com. to get the payoff for XX/XX/XXXX i finially had to do a 3 way call to get the payoff i was aiready XXXX enough from the loss of my wife of 45 yearsthis took all of XX/XX/XXXX then on XX/XX/XXXX XXXX XXXX XXXX sent the ck. for XXXX for the payoff chase motgage said they lost the ck. they could not find it. the insurance comp. put a stop pay on ck. after 30 days on XX/XX/XXXX a new ck. was sent as of XX/XX/XXXX it is still not paid off i have contiuned to make the payments and now am asking for your help all of the ins. cks. have had my account number on them their is no excuse for this not being paid off they have contiuned to charge interest daily this should have been paid off at least by XX/XX/XXXX i  feel when they do finally get their act together they should reimburse the interest from XX/XX/XXXX the ins. comp. said they had never had a bank loss a cks. plus chase was aware that we had mortgage ins. it was part of the loan package with XXXX XXXX that had the mortgage to start with they sold it to chase back in appro.year XX/XX/XXXX i do not this contiuned XXXX i only did the mortgage ins. because i thought i would always go first can you help. my wifes name is XXXX XXXX XXXX mortgage account numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX in reference of XXXX, account number XXXX. A debit that Is not mine, I would like that Company to verify the debt with my signature, and the original date of the debit. But they sent a letter stating the debt was closed. I state the debit does not belong to me, they have ignored my letter, Please send me the original contract of the debit with my signature verifying the debt, and I am suspect of the date of the debit, it is a 2008 debit.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a letter dated XX/XX/2022 stating that my 18 MONTH CD with Synchrony Bank would mature on XX/XX/2022. I called a few days later and requested from XXXX that the CD not be renewed, that I want the money deposited in my checking account. She assured me it would. When the money didn't arrive in my account, I called again on XX/XX/XXXX and talked to a man, XXXX, in XXXX, who told me there was a security hold on my account ( that I had placed on a savings account years before I opened the CD account ), and that he would have it removed. He put me on hold and never came back. On XX/XX/XXXX, I called again and spoke to XXXX who assured me she would have the security hold removed and I would receive the money. When that didn't happen, I called XXXX on XX/XX/XXXX who said the same thing XXXX did. I told XXXX that if I didn't receive the money, I would report Synchrony Bank. Four business days later, I still have not received the {$15000.00} ( balance as of XX/XX/XXXX ) that is the CDs worth.

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 2019-03-21
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Recently, ( XX/XX/XXXX ), I had my payment to Navient refunded to me for the second time. The first time was XX/XX/XXXX.These were refunds for payments I made online. 
I sent an email to Navient for an explanation of the first time and received this response on XX/XX/XXXX : " Our records indicate your overpayment was made to your private loan, which overpaid the loan, and the private loan is serviced on a different platform than your Department of Education loans, with different payment addresses, so the payment does not get automatically transferred to your remaining loans, but goes out as a refund to you, which you could then apply to your Department of Education loans so they are not past due. '' I called them on XX/XX/XXXX to ask what was the deal when it happened again. Their response began with the private loan but ended with the mailing address for payments was changed recently. Two caveats, the agent I spoke with said that if the payment was within 30 days of the address change ( Which they said took effect XX/XX/XXXX ) then the payments should have been forwarded. BOTH payments were made before XX/XX/XXXX. The other caveat is both payments were made online, so there should have been no confusion about what loan it should have been going too. 
Additionally, I've looked all through my account and I don't see any private loans listed on the Naviant website. It shows two loans, both Dept. of Ed. 
And last, I have listed on my account that if I make any overpayments then it should go to principle and not be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
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:
I requested a copy of my credit report from Transunion and they did send one. After analyzing information on my credit report from Transunion, I identified inaccurate information in regards to XX/XX/XXXX( auto loan ) acct # XXXX. 
On XX/XX/2020 I mailed a dispute to Transunion about the inaccurate information pertaining to XX/XX/XXXX ( auto loan ) acct # XXXX. 
On XX/XX/2020 I mailed a " Demand Letter '' for deletion of the account disputed ( XX/XX/XXXX ( auto loan ) acct # XXXX ) for " Non response. "

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 2020-01-24
Company: ERC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
date open XX/XX/XXXX Paid in full I called the bureau told them about the collection I paid this in the full amount and was told this would be taken off my report and that was back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019, I initiated a {$10000.00} transfer from my Capital One account to my XXXX account. I am the sole owner on both accounts. Capital One unduly profiled the transaction as suspicious based on discriminatory reasons, froze my accounts and notified me all my accounts were frozen.

I called them right away and spoke with a member of the security team who subjected me to a series of prying Securities questions and steps to verify me and that I had initiated the transaction. After I patiently and successfully complied to all Capital One uncalled for security steps, I asked the agent if everything was in order and he confirmed that it was all good.

The next day, I found out from XXXX that the {$10000.00} transfer was reversed by Capital One from under my nose.

Capital One never bothered to inform me this would happen at any point in my dealing with the security team, on the contrary they said that it was all good.

I followed up many times since I found out from XXXX about the illegal transfer reversal by Capital One and my funds are still to this day not back on my account. It is now the XX/XX/XXXX and Capital One is still not telling where my funds are.

No one from Capital One Customer Service or Capital One security team bothered to give me updates ( I have to call them every single day to get different answers ) and they tell me they have no control over this ; when they are the ones who purposely made the mistake and created this mess.

I believe I have been profiled/discriminated against as there was no objective/factual reason under the sun to flag my transaction as fraudulent. It is a regular domestic transfer from one account I solely own to another account I solely own, that I also went through the extra step/hoops of thoroughly verifying on the phone with the security team at Capital One.

I am asking full reparation : my funds + compensation for interests lost and for the time spent dealing with this ordeal and aggravation I have been through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-28
Company: EQUIFAX, 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:
I'm showing a voluntary repossession with a joint account from XX/XX/2015 on my credit report with XXXX XXXX XXXX that I'm not aware of. I've contacted them to provide my some type of validation to this account ( signed ink or any document proving, I'm the one who got this account ) and they have nothing on file so they tell me not even as much as who else is on this account so I've tried disputing this with both the company and the credit bureau ( Equifax ). This currently has effected my credit in a negative way and all I want is some resolution and to know if I can pursue this through legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my two previous complaints I requested Cooling & Winter for some specific items and I was never provided with them nor was my request in those request were not responded to. 

I asked for contract with my signature on it and I was only provided with statements and a Bill of sale. That is not a complete validation of the alleged debt which is in violation of the FDPA. 

I also requested for all debt collection attempts cease and the lawsuit be dismissed against me and you guys failed to respond to that request. I am only being offered to discuss a payment plan. 

I am a recent XXXX XXXX and I am currently unemployed with no income coming in at this time which will not meet any requirements for a payment plan.

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