BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Since almost the opening of my account I requested payments be allotted to non-promotional purchases before promotional purchase so I may make a greater effort to avoid accruing interest. Recently the credit card provider added a new kind of promotion that requires that type of payment first and changed the allotment of payments to equal pay first, expiring promos next, then non-promos for the remainder. I was NOT notified of this change that I was no longer able to designate how my payments were allotted, as I had SPECIFICALLY had done in the past. I made a payment last month that should have covered the non-promo balance and not incurred interest, but with the unknown change I ended up getting charged interest. It may be a small amount, but the principle of the matter is they made these changes without my knowledge, consent, or adequate explanation on the bill. The statements are confusing with all the different types of transactions now, and nowhere can one easily figure out how much needs to be paid to avoid an interest charge for the month. Neither a customer service rep or their manager were willing to at least waive the interest for one month to maintain customer satisfaction, and could or would not adjust my payment allotment to how it was previously.

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 2020-02-06
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My Husband & I sat through a Wyndam Vacation club presentation in the XXXX XXXX, SC area on XX/XX/2020, We declined the purchase, but said we may consider it in the future. We were asked for my Husband 's SS # and signatures for their files. We were told that they needed this for informational purposes only and they required it to give us our gift of XXXX free points for sitting through the presentation. We were told they would not check our credit or do anything with the information. We started getting alerts from XXXX the next day. We also were notified that we were both approved for a Wyndam VISA credit card in each of our names - with a credit limit of {$30000.00} each. When we arrived home after our vacation ( XX/XX/2020 ), we called and canceled both cards. We are still receiving correspondence as if the cards were still active and haven't received written notification that the accounts were closed. We did not give anyone permission to check our credit and/or apply for a credit card. It's my understanding that this may have a negative effect on our credit rating and would like to have it removed from our credit report. I can provide more info. and dates from our XXXX alerts if needed.

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 2019-08-27
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: Information belongs to someone else

Complaint:
I Have been a victim Of Identity Theft Someone is Using My Identity Which has cause Damage to My Name. I did Not Authorize These Accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed a dispute several time with the credit bureaus XXXX, experian and XXXX  to investigate this account and it keeps coming back updated. I also sent certified dispute to the company for investigation and the mail continues to come back. this company should not be reporting on my file at all

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 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed a dispute several time with the credit bureaus XXXX, XXXX  and transunion to investigate this account and it keeps coming back updated. I also sent certified dispute to the company for investigation and the mail continues to come back. this company should not be reporting on my file at all

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 2018-03-27
Company: Patient Accounting Service Center
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I checked myself into XXXX XXXX XXXX XXXX Regional Medical Center in XXXX, AZ for emergency room care. They treated me, took down my insurance, and discharged me. About 90 days later I received a bill for {$550.00}, despite the fact they were in network with my XXXX medical insurance and I only owed them {$150.00} for a co-pay. I have had my insurance call them and their billing on 3 occasions, each time they said a supervisor would review the account, get it updated, and meanwhile my account would be put on hold to avoid collections. They refused to update it after each of these times even though my Explanation of Benefits/EOB shows they agreed to the {$150.00} co-pay charge. After that, I called them about 10 times ( with witnesses ) and was told recently on their recorded line that an Explanation of Benefits form I sent to them back in XX/XX/XXXX was received and successfully reviewed to update my bill, they also said I would receive a new statement ( for {$100.00} as I paid them {$50.00} in good faith ) and have approximately 15 days to pay. I received a bill on XX/XX/XXXX still for {$500.00} and had a due date of XX/XX/XXXX. Despite this, they sent me to collections on XX/XX/XXXX with a sister company of theirs ( XXXX - they sent me a formal notice ). Representatives for XXXX XXXX refuse to put a supervisor on the line, the supervisors do not call me back after I am promised they will, and just tonight I was hung up on completely by a representative who did not wish to help me. I contacted XXXX who gave me the same run around with sending in the same EOB form. I am very concerned and afraid these people are just going to report this incorrect amount and ruin my perfect credit. They are behaving like incompassionate, rude, thugs who just want to get an extra {$400.00} out of me for no reason or else they'll destroy my credit. The documents prove what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We took out a loan in XX/XX/2006 with Beneficial Financial in the amount of {$10000.00}. We were paying on the loan and they went under. We received paperwork in the mail stating that they were in a lawsuit we were owed back money and no longer paying on the loan. Fast forward 12-13 years and we are selling our house. To our surprise, we have a lien on our house. This company is out of business and we have NO way of getting in touch with them. No letters stating our loan was transferred, no other debt collection process happened. 

Reconveyance of the Deed of Trust, dated XX/XX/2006, filed XX/XX/2006, in Instrument No. XXXX, to XXXX XXXX XXXX XXXX   XXXX, Trustee and Beneficial XXXX XXXX XXXX, Beneficiary, stating that it secures a debt in the principal amount of {$24000.00}. 

PLEASE HELP?! We would like to rectify this by either paying what is due ( if there is anthying small ) and getting a release of mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
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:
The report I sending is about the fraud accounts I found on my credit file.

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 2019-02-06
Company: American Recovery Service Incorporated
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Prior to XX/XX/XXXX, i received a call and a letter attempting to collect a debt that had outlived its statue of limitation. I wrote the company and asked them not to contact me again. Today XX/XX/19 they called again.

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 2019-08-27
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I Have been a victim Of Identity Theft Someone is Using My Identity Which has cause Damage to My Name. I did Not Authorize These Accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$7000.00}, {$10000.00}, {$6200.00}, {$280.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 

-- CLOSED ACCOUNT -- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 5. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my 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 2021-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a company that decided last XXXX to claim I owe on a card that I paid off and cleared over 10 years ago. The card hasn't been active for around 15 years. I know who the original card company was ( XXXX XXXX  XXXX XXXX ) but can not find any information to contact them directly in order to clear this up. The company claiming I owe them ( XXXX XXXX XXXXXXXX ) is known for fraudulently re-opening old card accounts. I want this off my credit report, it is false and was settled a long time ago. Since it was paid off so long ago, I doubt I can find any type of paperwork from me paying off the account. Please help me with information so I can attempt to get proof from the original card company that this account was paid in full. This account has not been on my credit report for at least 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The information that has been report and posted to my credit, file by the credit bureaus, is not valid and not in compliance, per the Federal Fair Credit Reporting Act. YOUR COMPLAINT XXXX XXXX XXXX ( collection agency ) XXXX creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally. XXXX ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service. XXXX   XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX XXXX and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX doesn't have any documentation, where I have agreed to service or signed for service.

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 2019-08-27
Company: JPMORGAN CHASE & CO.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I found out that 3 checking accounts and 2 savings accounts have been opened in my name and I didn't open them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my credit report that are not mine, I know that there was a data breach and my personal information was compromised. I have a whole list of inquires that were made by an unknown source. These inquires were not made by me. I am a victim and it has truly hurt my credit score. 

I have provided the list of inquiries that were not mad by me. 

XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
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 belongs to someone else

Complaint:
Dear XXXX Experian XXXX I go by XXXX XXXX and not XXXX XXXX that is the first inaccurate information that I am disputing. So every inaccurate account listed under that name isnt mine my name is spelled XXXX XXXX. I am unaware of the accounts and inquiries. Last time I purchased anything it was for cash. I have never used my credit and dont ever plan on it. My report is clear. None of the accounts or inquiries are mine these are errors youre reporting. I am in total distress due to the my credit report. I have sent certified letters, including faxed letters on several occasions. You have removed some of the inaccurate accounts but not all. I have attached a letter with the inaccurate accounts that you are reporting and didnt not remove. My credit report should be clear on any inaccurate information you are reporting because its a violation to place items on my credit report that doesnt belong to me. If you dont comply within the time frame of our appearance in XXXX XXXX County Courthouse you will be summon and I will take further actions on making this a serious legal matter if you continue to report any other error on my report. I am working with an investigator to make sure we find out who is placing the inaccurate accounts on my report. I have been told in the past that these credit bureau are purposely leaking information to cause severe breaches so that you can make an income. I advise you that you remove every single inaccurate account from my credit report. I havent checked my credit report since XXXX so therefore I shouldnt have any foolishness on my credit report.

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 2019-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
TransUnion is stating I have an XXXX XXXX Card that I do not have. My ex had a card and I was never on this account nor was I responsible for it. There is a balance of {$29000.00} that is showing up on my credit report that is not mine and is has been reported fraudulently. 

This is to be removed off of my credit report immediately and remediation to ensure that XXXX XXXX does not report incorrect information on a person 's credit report needs to be ensured going forward.

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 2018-04-08
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I was informed that all my Citi cards had been closed for some mysterious reason. Called and spoke with several representatives, none could give me any information other than to write to the Executive Response Unit. I did, they haven't responded a full month later. In the mean while they stole {$810.00} of my cashback ( the majority of which I was awarded back in XX/XX/XXXX and hadn't cashed out yet ) from my Double Cash card. 

This card earned 2 % cashback in the following manner : 1 % cashback for purchases, and the other 1 % cashback when those purchases were paid in full. Conveniently they aren't giving me access to my statements which shows the cashback amount. I have a statement for the status of the account as of XX/XX/XXXX showing I have a cashback reward balance of {$620.00}, and a charge for {$9000.00} for that cycle ( the {$620.00} amount includes the 1 % cashback for the XXXX charge ). Since I have no late or missed payments on any account on my credit reports- it means I have paid that balance off in full, and it also means that I would have received another 1 % cashback for that payment giving me a cashback balance of {$710.00} ( XXXX + XXXX cashback for paying the balance off ). 

Then in XX/XX/XXXX I made a charge for {$9500.00} which would have earned me {$95.00} ( 1  % cashback for the purchase ), leaving my cashback reward balance at {$810.00} ( XXXX + XXXX ). This is the amount they stole from me- I want a check sent to me for the amount of {$810.00}.

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