BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have sent 3 letters to Transunion. the first dated XX/XX/2021, the second XX/XX/2021 and the last one on XX/XX/2021. I never received responses to my first 2 letters, they responded to the letter dated XX/XX/2021 on XX/XX/2021 as if they had responded to the previous letters. They said they will not reinvestigate my disputes because they already investigated, which they have not because I have not received any response letters from them besides the one dated XX/XX/2021. They have 30 days to respond to a consumer and they are not following the laws of FCRA.

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 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Dept of Ed : # XXXX XXXXDept of Ed : # XXXX XXXX/Dept of Ed : # XXXX XXXX/Dept of Ed : # 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 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 2022-01-19
Company: Stuart-Lippman and Associates, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received several annoying phone calls from Stuart-Lippman and Associates , Inc. On XX/XX/2022 at XXXX XXXX XXXX called this company to enquire about the annoying calls that I was receiving, I spoke to XXXX, who refused to give me her last name, but connected me to XXXX, whose last name sounds something like XXXX. I explained to her that their company was making mistake and Oh my XXXX, she took off on me like a pitt bull. I was extremely surprised because I never knew that a customer service representative could be so abusive to someone on the other line the way she was talking to me it ridiculous. This representative claims I owe XXXX which I do not know about. Then I visited the credit bureau and saw the XXXX plus XXXX. Now that's vindictive. Consumer Finance how could a company operate like with such anger to someone on the other line. How could they abuse their authority like that. I had called to inquire about the erroneous debt that I was being accused of owning and that's what I encountered. This company Stuart-Lippman and Associates is very malicious and inhumane. I never heard about this company before now and after this I would not want to hear from them again. I don't have a contract with them how could they have the audacity to boldly destroy someone's credit just like that. My only debt is my student loans. I would like this company to be reprimanded to the highest degree. They treated people like animals and that's not right. So after XXXX XXXX disrespected, then she asked if I was going to pay up I said no. Then she hung up the phone in my face. At XXXX I called again and spoke to XXXX and requested to speak to a supervisor, she the transfered me into someone's voice mail. Please investigate their aggressive and abusive behavior towards the public, it's obnoxious and distasteful and should be stopped immediately. They are destroying innocent peoples ' life who is trying to make it in society. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical bill debt collection that has been paid. Requesting that the Congress Collections Agency remove the collection totaling {$130.00} from my XXXX and XXXX credit reports. I can verify that this account was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Thanks, 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 2023-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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/23, I discovered a charge have been made on my capital one card statements. The charge had been made on XX/XX/23 to XXXX XXXX XXXX. As soon as I discovered the fraudulent charge, I contacted Capital One and was assured that they would investigate, and that a temporary credit would be put on my account. Before I even hung up the phone with the representative I had received XXXX different letters from capital one via email, and their investigation was concluded. Before the call was ever complete. When I called back in about this, I was informed that because I had my card in my possession at the time that I discovered the fraudulent charge on my statement, I was responsible for the charge, and I made the charge. It should be noted, I do not have a pet. There is no reason for me to spend money at a veterinary clinic. Ive repeated that to them several times, and they are unwilling to investigate further or let me file an appeal. Apparently, although the rest of the world has heard about cloned cards, they stated to me that their policy law, ( their words, not mine ), states and mandates that if I still had the card in my possession, I mustve made the charge. Therefore, they will not return my money for something that I did not authorize. I have also now filed a police report with the XXXX Police XXXX. Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The terms reported is incorrect, please DELETE. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 


Please DELETE/ UPDATE the above accounts as quickly as possible. 

Sincerely, XXXX XXXX XXXX # XXXX DOB : XX/XX/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 2023-09-01
Company: ROBINHOOD MARKETS INC.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XXXX I notified Robinhood about purchases made to a particular vendor with my digital Master Card issued by XXXX XXXX. I inquired about filing a dispute for purchases not received. I tried to work with the merchant directly and the merchant continued to block me from my purchases. They wanted me to agree to new terms and conditions after the purchase in order to gain access to what I paid for. I provided Robinhood with the communication between myself and the vendor including them acknowledging my XXXX XXXX which had not been used and how they deactivated my account not allowing me access. They did this all because I noticed duplicate charges from them and inquired about them to the merchant. They would not respond and therefore I took recourse in disputing the purchases I made to this merchant as I do not have these purchases that I made. 

On XXXX I received notification from the merchant that they received the chargebacks. 

On XXXX I forward more communication to Robinhood confirming my XXXX XXXX with this merchant and how they had deactivated my account. 

On XXXX I received an automated message from Robinhood " Our processor investigated your claim and did not find sufficient evidence to conclude that an error occurred in your Spending Account because we are not responsible for the delivery, quality, safety, legality, or any other aspect of goods and services that you purchase from others with your Card. '' I feel they are using the term Spending Account to get around doing their job because I used a Master Card to pay this merchant. 

If I do not have access to what I purchased and I have a right to file a dispute based on me not getting my purchases, then why would I be denied and basically told I didn't have a right to dispute getting these purchases in the first place as their reason? 

I do not feel confident that my claim was filed properly or that anyone actually looked at the case. They did file the chargebacks to the merchant as the merchant notified me of such. If the merchant had compelling evidence I have a right to see that evidence and dispute it as I do not have access to these purchases as shown in the documentation I provided to Robinhood.

I have attached the repones I got from Robinhood regarding my dispute. I attached my receipts from the the merchant showing what I purchased. I also have attached proof from the merchant of them deactivating my account and confirming my XXXX XXXX I will not agree to new terms and conditions after a purchase and I question the ethics of a business that would deactivate someones account without any explanation because I inquired about duplicate charges. I bought these coins and I do not have access to these coins or the ability to use what I paid for. At his point due to how the merchant has handled my account I no longer even want them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Genesis FS Card Services, Inc.
State: TN
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 called cb indigo in XXXX of 2020, I had my late fee waived and can indigo gave me an financial accommodation. Cb indigo told me not to worry that they would waive my late fee due to the pandemic. I also called them and told them I was suffering due to the pandemic. XX/XX/2020 I called them to have the late payment fee credited back and they did just that. According to the Cares Act they gave me relief and they shouldnt have reported me as late during this timeframe. I would like this late payment removed as it is unlawful due to the Cares Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
New complaint Kohl 's XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX used an outside collection agency at different times in the year of XXXX, giving me the option to settle a credit card debt for {$400.00}. I wasnt able to pay this at the various times they contacted me, and I informed them of this. Now as of XXXX, and XXXX of XXXX, Kohl 's contacted me, stating they want me to pay {$800.00}, to pay the credit card debt in full. I have a credit card statement dated XX/XX/XXXX, and it is for {$350.00}. I have made payments. I do not believe that I should be over charged so much over my initial statement balance as of XX/XX/XXXX. When they go through, my credit card history, I always paid my card off, and when I had a balance, payments were on time, every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Bank of America - primary mortgage and XXXX XXXX XXXX line of credit from XXXX  thru XXXX - Both banks negotiated payments to avoid foreclosure with my ex-spouse only. I was left out of all communications even though I called both banks on multiple occasions. This caused extended delays, emotional distress around divorce proceedings because all was stalled by my ex in bankruptcy court divorce court said they couldnt do anything about it.

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 2020-01-01
Company: SYNCHRONY FINANCIAL
State: MN
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:
In XXXX, my XXXX XXXX XXXX told me they provided a promotional interest-free discount with CareCredit for 6, 12, 18, or 24 months. I had previously only heard about the six-month promotion, which I was planning on, so I told them six months when I paid for the XXXX service costing roughly {$2700.00}. I wasnt thinking straight that day, so the next day I wondered why I wouldnt have chosen 24 months. 

Soon after, I called the XXXX XXXX, and they said they werent sure how to change it but that I should call CareCredit. I called CareCredit in late XXXX/XXXX XXXX and spoke with a supervisor there eventually who explained the process to me. He said the clinic can change the promotional period within 90 days of the original event. That was great -- I was only a few weeks after the original event, so I called the XXXX XXXX that day ; they instructed CareCredit that same day to change the promotional period to 24 months. I called back CareCredit, they said they had received the instructions from the XXXX XXXX and it would appear on my account within a few months. 

Fast forward to the XXXX statement, when it showed that my promotional period had expired and since I hadnt paid my balance in full, I was charged {$360.00} in deferred interest. I called CareCredit to dispute this, and they told me they werent sure why that had happened. The agent on the phone said they saw notes on my account from XXXX and XXXX that said I would get the 24-month promotional period. They said they would correct the error, remove all interest, and the corrections would appear on my account within a couple of billing cycles. 

Then, I recently received a letter from CareCredit notifying me that they would not be honoring the 24-month promotional period. 

I called CareCredit again today and asked why the 24-month promotional period wasnt being honored. Now, CareCredit claims they never received anything from the XXXX XXXX instructing them to change the promotional period. The supervisor today, however, did acknowledge at least that the XXXX XXXX notified CareCredit on XX/XX/2019, that they wanted to change the promotional date from six to 24 months. But CareCredit now claims the XXXX XXXX did not follow the proper process. 

CareCredit is the one who gave us instructions on how to change from six to 24 by  having the XXXX XXXX submit their intent. The XXXX XXXX did so, and CareCredit acknowledged receipt of those instructions on XX/XX/2019, and said they would honor the 24-month promotional period. Their position to not honor it at this point is without merit, and they are charging me for hundreds of dollars in interest expressly against the original agreement.

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 2018-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have a bank of america credit card that has a fixed 8.99 % fixed interest rate. This card was paid off but we still had it open and started using again last year XX/XX/XXXX. i noticed when i logged onto my account that my rate had changed to 10.15 % variable. I have not been late and have excellent credit XXXX per my bank this week. I called XX/XX/XXXX and talked to someone regarding the change. He informed me that because prime went from .25 to 4.50 all credit cards were being converted to 10.15variable as of XX/XX/XXXX. I explained this doesn't make sense since this is not what i signed up for and i also was not notified. He said i should have gotten a letter. I checked my online account and i never received a letter from them. This seems wrong that they could take a fixed rate and not only raise it but convert to variable. We have another card with them that has a lower rate and that card was not changed as of today ... i will be paying off these cards but still think this is a violation. He gave me no more explanation then that. I believe people should be aware if their credit card company is able to change their rate without notice and no probable cause. Everyone should look at their rates!

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