BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
TransUnion and XXXX are fraudulents on my following accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquires from following accounts are frauds 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 explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 submitted a complaint to all three credit bureaus. I also submitted a police report of identity theft. They made no effort to eradicate the items off of my report even with proof of identity theft.

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 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX  XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ARE FRAUDULENT INQUIRIES. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer

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 2020-07-09
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland Credit Management has sent out letters to collect a debt in the amount of {$4700.00} for XXXX XXXX but I didn't authorize nor give consent for Midland Credit Management to have my personal or private information. While attempting to collect a debt that they aren't authorized to collect they used obscene and profane language and threatened to sue to me. They have damaged my reputation via my credit profile, caused me to miss opportunity for business growth. Due to this they have caused major stress in my family as well as my life. They have violated my federally protected consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
A credit inquiry dated XX/XX/XXXX was made on my Equifax Report by XXXX XXXX XXXX XXXX in error. The creditor has contacted Equifax several times to remove it. The creditor sent a letter dated XX/XX/XXXX and was told it would be removed. It has not been removed. This was a soft hit made by XXXX XXXX on the same date. I have contacted Equifax and they refuse to take it off. 
It needs to be removed. Letter is attached. Make this happen it has been over XXXX months!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I am an authorized user on XXXX XXXX account # XXXX, a credit card with a {$3500.00} limit and very low balance. 

This company is not reporting a credit account with a good payment history, low balance, and high credit limit, which adversely lowers my credit score preventing me from obtaining new credit accounts and purchasing a home, Failing to report that I have other credit accounts that are in very good standing very good credit worthiness is a violation of my consumer rights and an unfair credit reporting practice.

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 2020-07-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I've been attempting to refinance my mortgage for over 5 weeks now and new lender is being delayed due to an escrow closeout not being completed in FHA connection. It has been requested several times and not happened. 

Per HUD, the escrow closeout is a task that the lender who originated the loan ( i.e. the company whom you closed the loan with ) or the company who services the loan ( i.e. the one you send your mortgage payment to ) need to complete. 

Per new lender, this is preventing the case number from being transferred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Genesis FS Card Services, Inc.
State: AZ
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 reached out to this company multiple times requesting that they review the " late payment '' shown on my credit report from XXXX XXXX XXXX. My dispute letters were dismissed, and never responded to. I am a long-standing customer and I make all my payments on time. Please correct this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: MI
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 am a victim of identity theft and the XXXX  data breach. I submitted the fraudulent account information, fraudulent names, and addresses that continue to appear on my credit reports to XXXX, XXXX, and Experian on more than one occasion, over the past few years, to be removed. They have not removed the inaccurate information. According to section 605B of the fair credit reporting act, the bureau 's should have removed these items of identity theft within 4 business days, but they have not. My most recent attempt to remove the false items was on XX/XX/2020.

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 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am a victim of identity theft and the XXXX  data breach. I submitted the fraudulent account information, fraudulent names, and addresses that continue to appear on my credit reports to XXXX, TransUnion, and XXXX  on more than one occasion, over the past few years, to be removed. They have not removed the inaccurate information. According to section 605B of the fair credit reporting act, the bureau 's should have removed these items of identity theft within 4 business days, but they have not. My most recent attempt to remove the false items was on XX/XX/2020.

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 2020-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One has charged me {$3.00} in interest for a credit card that I have with them. I paid the account in full when it was due, in the amount of $ XXXXon XX/XX/2020. I contacted Capital One on XX/XX/2020 and spoke with " XXXX '' a supervisor with Capital One, and explained that I paid my card in full for the period that Capital One was charging me the {$3.00}. XXXX would not remove the interest charge although she confirmed that the account was paid in full for the prior period. I notified XXXX that I would file a complaint with the consumer financial protection bureau which XXXX acknowledged I could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-28
Company: CURO Intermediate Holdings
State: OR
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Rapid Cash on XXXX XXXX XXXX and XXXX in XXXX, OR is where I have taken out many payday loans. I got to the point where I could not pay and I had XXXX out for {$330.00} = {$670.00}. I called ahead of time to make payment arrangements and they refused to work with me. I was told that the transaction would have to go to my bank and once returned would then make pymt arrangements. I had stop payments put on my account beings I knew I would not have the money. The payment was stopped on XXXX but not the other beings they ran the payment as a different name.If a customer wants to make arrangements why would they want to cause all these fees for someone that wanted to pay but needed to make payments does not seem right

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I went to Georgia XXXX XXXX and XXXX XXXX Both XXXX   Colleges. Georgia XXXX changed their name to XXXX. Both schools were forced to close because of shady dealings and list accreditation. Noone would except certificates from these schools. They have been in the media and haven't deleted this from my credit report. I had a XXXX in XX/XX/2010. I'm currently XXXX. I've sent in all of my documents from my doctor and still Navient won't stop calling every day and they won't except my XXXX papers from social security or they just won't do it. These loans are affecting me badly. I've done all that was required of me legally and I feel I'm being bullied. They literally call me over 5 times a day. I don't owe them they owe me. Despite all the law suits they still won't do right. Please help me .They wronged so many people and still they refuse to follow the law. Navient is bullying me despite their illegal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Text and emails from www.synchrony.com phone # XXXX XXXX Claiming {$9.00} was charged on my TJM rewards card and this was a fraud alert and to verify if I recognized this purchase. When I called they wanted the numbers on that card, I would not give them. They wanted my address, I said to email. They wanted physical address. I asked them to tell me what they had and I would verify, they denied. I asked them to verify my address in bits of information I gave them, giving them incorrect information in some cases and they could relay that it was not what they had on file. They asked if I had lost any of my forms of ID. I replied no. I tried to call them back to inform them I was reported this as scam and the automated system said it didnt recognize my number and could not put my call through.

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 2020-07-09
Company: SYNCHRONY FINANCIAL
State: CA
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 reached out to all my creditors including care credit as I was closing some accounts and making payment arrangements you see late 2018 I lost my only brother and had to help my mother financially since then, My brother was hit by a car and taken suddenly so no time to plan. But trying to make good with all my creditors I put this account with care credit closed status and to withdrawal {$10.00} monthly from my bank account they then unknowing to me sent the account to collections drastically hurting and impacting my score leaving other creditors to believe I do not pay my bills and is false ; I have other synchrony accounts that are almost paid off or paid off in full.

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 2023-06-09
Company: EQUIFAX, 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 status incorrect

Complaint:
Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never applied for any of thes items I called equifax and told them i sent them info on deleting these items along with a police report and they said they couldn't do anything for me now this situation is stopping me from obtaining things i want in life for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: EQUIFAX, INC.
State: FL
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:
I am unaware of the inquiries your company listed on my credit file. I have attached a letter in the file section below along with pictures showing the inquiries. It came to my attention that your company is reporting inaccurate errors on my credit file. I am in distress and I feel violated as a consumer that your company is reporting such information in my credit without me knowing this was going on. Pleas read letter in the files section. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
All of my credit cards and loan accounts are set to auto payments. I have never been late for any credit card payments. 

Citicards cancelled my autopayment on one of the cards in XXXX. I did not receive a single email or phone call regarding this. I received a call 34 days after the due date regarding the late payment. I immediately made the payment and called Citicards to  clarify the matter. Citicards credited the late payment and told me that they are not reporting this as a late payment due to COVID. 

I monitor my credit score and received a notification a few days later that Citicards had indeed reported this as a 30 day late payment. I called Citicards back and went over the situation again. I finally spoke to a supervisor that understood my issue and told me that they would report this as a banking error and the late payment flag would come off in the next 30 day cycle. Unfortunately, that did not happen. 

I have raised this issue with Citicards many times since the last couple of weeks but am not having much luck. 

Citicards cancelled my autopayment without proper notification. No email, secure message or phone call. Under CFR Part 1026.10 - Payments Section 10 ( f ) -4.v, if the card issuer can not charge a late payment for 60-day period, then the payment should not mark as late either.

CFR Part 1026.10 - Payments Section 10 ( f ) -4.v v. A consumer has elected to make payments automatically to a credit card account, such as through a payroll deduction plan or a third party payor 's preauthorized payment arrangement. A card issuer changes the procedures for handling such payments and as a result, a payment is delayed and not credited to the consumer 's account before the due date. In these circumstances, a card issuer may not impose any late fee or finance charge during the 60-day period following the date on which the change took effect for a late payment on 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 explanation
Consumer complaint received 2023-02-16
Company: United Funding Logistics, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
This business, who advertises their false services through social media such as XXXX, is nothing more than a scam, deliberately keeping peoples money who need help and not providing the service they promise upon receipt of payment. 
When you first call for a consultation, they are very quick to ask for their upfront fee of {$270.00}, and then they ask you to schedule a call to go over your credit issues, but you cant schedule a call until 2-3 months later. 
I did just that, expect that when they decided to call me back over 2 months later, I had already solved my credit issue on my own. 
I filed a lawsuit against the credit bureaus in which I prevailed and got the fraudulent items removed from my reports. 
This company did absolutely nothing more than lie and steal my money, as they have done with every other innocent potential client they have ever tried to have. Their reviews under the XXXX speak for themselves. They scam people and get away with it. 
I filed a charge back with my credit card company and this ridiculous company argued that they provided a service which they most definitely did not. Therefore my credit card company inadvertently sided with them, not knowing what the scam they are dealing with. 
Their owner, XXXX XXXX XXXX, constantly uploads videos on XXXX bragging about all the money he has deliberately taken from people. This scam of a business must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 requested my 3 disclosures to opt out of reporting my personal information to unaffiliated third party consumer reporting agencies, pursuant 15 u.s.c. 6802 ( b ), but they dishonored my request, sent me a copy of a promissory note. This is my second time notifying XXXX XXXX XXXX XXXX. They are violating my rights to privacy. They have no PERMISSIBLE PURPOSE to furnish my personal private information to the CRAs

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 2020-07-09
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XXXX I purchased an item AMAZON MARKETPLACE XXXX WA XXXX XXXX Portable Propane Wat SHIPPING AND TAX I did not receive the item. The record and available information clearly confirms that I did not receive the item. I filed a dispute with Synchrony. Synchrony responded that it would investigate my dispute while also providing a temporary credit to my account for the disputed amount. No temporary credit was provided, and Synchrony refuses to respond further. I have requested an accommodations under the ADA Title III from Synchrony, which they have ignored in violation of the ADA.

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 2023-02-17
Company: EQUIFAX, 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:
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 XXXX XXXX : # XXXX, Account 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 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 response to consumer: Closed with explanation