BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-31
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: Personal information incorrect

Complaint:
TransunionFile # XXXXDate XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is not an address is a office address and is not my address nor have I ever rented lease or own at this address. Error of bad address that's by Transunion.

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have noticed I have not had a update on my score for XXXX 2020. What is going on I need my score reviewed I have suffered enough.

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 2020-10-09
Company: Navient Solutions, LLC.
State: LA
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:
On my XXXX and XXXX credit report. I never authorized XXXX credit inquiries by XXXX  services in XXXX of XXXX. There should not be XXXX credit inquiries by XXXX XXXX XXXX within a 5 day window. Remove all XXXX of those inquires as there was never anything signed by me that proves that I signed any paperwork that states that I authorized XXXX inquiries by XXXX  mortgage services. I never signed anything to authorize such usage of my credit. 

Also Every account by Navient and XXXX should be completely updated to reflect there was never a time a late payment occurred in XXXX. I request that Navient provide documentation of a deferment and/or forbearance which was not justified ; in that all requirements were met that deferment or forbearance was applicable in my case for the FULL YEAR OF XXXX. Navient and XXXX needs to provide the documentation of income and every single source that states I was not eligible for those programsat that time. XXXX sure that they prove that all documentation is completely accurate that a forbearance and/or deferment was not applicable at that time. Lawsuits are currently pending against Navient and XXXX for not sending proper information to all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Google Compare Credit Cards Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Money ( {$2400.00} ) was sent to the Google Wallet of my father ( who is deceased ) on XX/XX/2019. Google has locked this account and will not allow deposit into the linked bank account. As personal representative of the estate, I have provided documentation showing my authorization to act on behalf of the estate and deposit the money into the account. Despite numerous emails requesting a status update on the disbursement of the funds and closing of the Google Wallet account, I have yet to receive confirmation that the funds have or will be disbursed or a timeline for disbursement.

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 2022-02-02
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a Uber branded credit card issued by Barclays. In mid-XXXX, I was surprised to receive new credit cards in the mail with different account numbers and without the Uber brand. I immediately called customer service and was told that the arrangement with Uber ended on XX/XX/XXXX, and that these were my new cards. I asked why I had not received notice of the change and they told me that they had sent me a letter with an opt-out option and, since I did not reply, they signed me up for the new card. I immediately cancelled the new card because I did not want it. 

I have asked multiple times for a copy of that letter and have been told that they would mail it to me. I have never received it. They have refused to fax or e-mail it or send by registered mail. In the meantime, I used the card with the prior account number numerous times between XX/XX/XXXX and XX/XX/XXXX believing that I was doing so under the

Uber terms and conditions and the Uber reward program. But I have come to find out that Barclays just transferred my purchases from that account to the new non-Uber account. I never agreed to any of this and had no notice of the change. The consequences of this are that I lost existing Uber rewards and that I earned Barclay rewards points on the early XXXX purchases. When I asked for a credit for the value of my lost rewards, Barclays refused because my point value was below their minimum redemption. When I asked them to reverse the charges for my XXXX purchases, so that I could repurchase using a different card, they also refused. 

My concerns are : 1. They did not provide notice of this change ; 2. Even in the notice that they say they gave, they used an opt-out model ( rather than an opt-in model ) to get people enrolled in a card they did not want ; 3. They wrongly allowed charges after XX/XX/XXXX on an account that they closed and transferred them to an account for which I did not have the card and one in which I never agreed to the terms and conditions ; 4. They delayed sending the new cards for two weeks, which meant that I had no notice of the fact that I was effectively using a card that I did not know about and did not want ; 5. When notified about this, instead of working with me to compensate me for the value of my lost rewards, they basically told me to pound sand ; 6. They have repeatedly refused to send me a copy of the notices that they say they sent, but which I did not receive. Notably, they refuse to use any form of communication ( such as e-mail, fax, or registered mail ) where both parties would have a record of the communication.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 filed an FTC report # XXXX and a dispute with XXXX on XX/XX/2022, for the fraudulent address XXXX XXXX XXXX, XXXX, NJ XXXX due to fraud and provided a police report # XXXX. XXXX deleted the address in XXXX of 2022. They then added the address back on my consumer report recently when I checked the account XX/XX/2022. I also asked them to delete the fraudulent account XXXX XXXX XXXX due to fraud. 


I also filed an FTC report # 's XXXX & XXXX and a dispute with Transunion on XX/XX/2022, for the fraudulent accounts XXXX XXXX XXXX, XXXX XXXX XXXX due to fraud and provided a police report # XXXX. Transunion never deleted the accounts due to fraud. I also asked them to delete the fraudulent account XXXX XXXX XXXX  due to fraud on XX/XX/2022 but no response yet.

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 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On my Transunion and XXXX credit report. I never authorized XXXX credit inquiries by XXXX services in XXXX of XXXX. There should not be XXXX credit inquiries by eXXXX mtg services within a 5 day window. Remove all XXXX of those inquires as there was never anything signed by me that proves that I signed any paperwork that states that I authorized XXXX inquiries by XXXX mortgage services. I never signed anything to authorize such usage of my credit. 

Also Every account by XXXX and XXXX should be completely updated to reflect there was never a time a late payment occurred in XXXX. I request that XXXX  provide documentation of a deferment and/or forbearance which was not justified ; in that all requirements were met that deferment or forbearance was applicable in my case for the FULL YEAR OF XXXX. XXXX and XXXX needs to provide the documentation of income and every single source that states I was not eligible for those programsat that time. XXXX sure that they prove that all documentation is completely accurate that a forbearance and/or deferment was not applicable at that time. Lawsuits are currently pending against XXXX and XXXX for not sending proper information to all XXXX bureaus.

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 2020-02-10
Company: Recovery Solutions Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The recovery solutions group llc has sent many threatening emails. They have said that they will take property, they have contacted relatives even when they were asked to not contact. They are giving my information out to relatives. Most recently XX/XX/2020. 
This company has more so harassed me about a debt. They send threatening emails that they will go through all my bank accounts. They have even threatened me that I better hope I have all legal documentation for my company and Im not illegal. I have asked them to stop over and over and they wont. They are still contacting my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: NV
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 have noticed that there are accounts on my credit report that don't belong to me. I am not a credit repair company, and I have provided my personal documents to you. Please investigate these accounts and remove them when completed. 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 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have credit monitoring. Well recently some hard inquiries have shown on my report that were not there previously. I did n't get a notice that they were going to be added back on. I have called the companies and they say I have to call the credit agencies to resolve it. I call the credit agencies and get a foreign person that says they can not help me I need to call the business. At this point I am frustrated because I am trying to upgrade in home for my kids and this is keeping my scores down. I need them removed. I also know that there has been some reported glitches in more than one of the major credit reporting companies and I do n't understand why end of last year the inquiries were gone the re appeared this year just does not make sense, then to bring my score down in points is devastating in the least XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX X/XX/16 XXXX X/XX/16 XXXX XXXX X/X/16

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 2021-08-05
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Entered into a consumer credit transaction with Ally Bank. Ally Bank violated several consumer protection provisions. Underneath of TILA, Fair Credit Reporting, Fair Credit Billing, and others. More details will be attached in exhibits.

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 2019-05-15
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is still reporting incorrectly to Equifax and XXXX. The collection company had agreed to delete these line items in XX/XX/2019 four months ago - however this is still appearing on my credit report. ( Please see page 12 of the attached credit report. ) This incorrect reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is still reporting incorrectly to XXXX  and Transunion. The collection company had agreed to delete these line items in XX/XX/2019 four months ago - however this is still appearing on my credit report. ( Please see page 12 of the attached credit report. ) This incorrect reporting is harming my credit score.

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 2019-05-15
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt with Amazon/Synchrony Bank. The amount owed is indispute based upon amazon 's rejection of prior returns, without any notification of what the returns concerned. 
I also was charged an amount in excess of the quoted Amazon amount. I would like a current balance so I can timely make payments as I always have and that the 3 Credit Reporting Agencies be advised payment is current or disputed.

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 2022-08-13
Company: Experian Information Solutions Inc.
State: MI
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 have submitted my police report identifying a fraudulent account from XXXX XXXX to Experian reporting in error on my credit report. I am requesting that Experian honor my police report and avoid violating federal law in investigating identity theft. The account number and fraudulent account details are included in my police report. I also included a copy of my drivers license and social security card. I am requesting that the fraudulent account be blocked pursuant to the Fair Credit Reporting Act, Section 605B.

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 2019-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Need an old loan removed from the title of my mom 's mobile home. She has passed away and I am the personal representative of her estate. It was a 15 year loan for {$10000.00} originated in XXXX which would have paid off in XXXX however never released. I called XXXX XXXX on XXXX, informed the customer service representative what I needed and she informed I can not speak with the lien release department however gave me an email address to send supporting documentation ( XXXX ). Tried to email several times however, failed every time. Called back and spoke to XXXX/CSR and she gave me a fax number of XXXX and on XXXX faxed request and all supporting documentation. On XX/XX/XXXX spoke with XXXX/CSR to follow up on request and she informed me she can not speak with the lien release however would email XXXX and one of them would call me back. Never heard from them. On XXXX tried XXXX XXXX extension however got XXXX who was not helpful at all. I asked to speak with a supervisor and she transferred me to XXXX which again showed no interest in helping. Just told me to fax the documentation again. Every time I call I have to tell my story all over again and if no one can speak with the lien release department how can this issue get resolved. I XXXX the fax number and confirmed it belongs to XXXX and see other complaints regarding this same issue. I also called Bank of America because the title showed XXXX XXXX XXXX XXXX, they immediately assigned me a case number and within 24 hours responded to my request and was told loan was transferred to 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 2017-12-06
Company: EQUIFAX, INC.
State: IN
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:
did not remove these fraudulent inquiries : XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX I Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXXXXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/20 I started receiving a statement from PayPal credit saying I had transferred a balance onto this credit card. I called and explained that this was not me. Then on XX/XX/20 I receive a statement from them again with another account number and another balance transfer. Once again, I called and told them I have not used their credit card. They opened yet another card under my name falsely on XX/XX/20. I have contacted the credit bureau. It has been removed from my credit but I continue to get statements and phone calls from synchrony daily saying I am going to collection. 

Can you please help me find a way to stop this fraud. 

Thank you. 

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 2019-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
PORTFOLIO RECOVERY ASSOCIATES is the debt buyer of which I do not have a contract with. Nor was I ever properly served to offer the opportunity to dissolve this account. During this time period indicated on my XXXX account the economy crashed, we were devastated by Hurricane Sandy, lost two cars our home was unlivable for one month and I didn't qualify for any programs because of my gross income which does not take into account loss of pay due to time/pay loss from work to attend numerous and frequent appointments.My credit was greatly effected from these events. Prior to this monumental time in my life, my credit was great. I am appealing to you to remove this derogatory account from my three credit reporting agencies. It has been with great difficulty attempting to recover from our my unfortunate situation. It has been almost seven years reaching the statute of limitations. I am hopeful that you are understanding of the unfortunate circumstances in our life you could understand that families affected by natural disasters, loosing time at work and not being compensated, and complete devastation you could offer the opportunity for this family of XXXX to recover and remove this account from all three report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
on XX/XX/2019 bank of America illegally closed my checking account and on at least 6 times I went into branch and called corporate office only to get yelled at and called nasty names they refuse to give my my funds back on this account I have a whiteness to everything I just want my money

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