BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The XXXX XXXX  account was closed as a charge off and closed account is off XX/XX/2020. The creditor agreed to remove off the report and is still popping up on the report I tried to dispute it numerous times and is still there it is in violation of my rights. According to the fair credit report action section 609 you are required by federal law to verify through the physical verification of the original sign consumer contract any and all accounts you posted on the credit report. I already demanded the verification proof the original consumer contract with my signature on it. it havent been sent. I disputed this account numerous times are ready.

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 2019-04-26
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit account at Home Depot, which is serviced by citibank. 

I received an invoice in XXXX that clearly stated if I paid {$1100.00}, that I would avoid interest charges. I made 3 payments that total {$1100.00} prior to the due date. When I received my XXXX invoice, only {$350.00} was applied to my high interest revolving balances of 22.99 %, whereas the other {$780.00} was applied to 0 % interest promotional balances that expire XX/XX/2019. 

I called to have them correct the issue, but they simply gave me credit for the {$18.00} interest charge generated by the misapplication of funds to balances with different interest rate charges. This has occurred twice in the last few month, where the bank applies payments to the lower interest rate prior to the high interest rate, thereby generating more interest charges. 

I am aware of the rule where the minimum payment can be applied wherever the bank chooses, but the remainder is applied to the highest interest rate first. In this case, the minimum was {$190.00}, but {$780.00} was applied to the lowest interest rate and {$350.00} was applied to the high interest rate. 

If I wasn't paying attention to the bank 's hijinx, I would not have noticed the {$18.00} in erroneous finance charges.

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 2023-09-30
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Santander is trying to collect on a debt that was already paid via charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First Federal Credit Control is reporting incorrect information on my credit report showing the following information : Date Opened : XX/XX/2017 Account Type : Collection Balance : {$270.00} I have never had any legal or signed contracts with this company yet they insist on reporting to my credit file. I have submitted a formal dispute to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
After much investigation I discovered an auto loan had been submitted to Prestige. The dealership I believe that submitted my application is refusing to provide me with the original loan application.

I contacted Prestige to see if they could provide this information and to ask their policies on self employment, XXXX  pay, child support and verifiable part time employment as they denied the use of this income - according to the vague explanation by the suspected dealership. And why I was denied a consumer interview or to speak with anyone regarding my application. The company has refused any and all attempt or requests for clarification and or information. 

Prestige declined to provide any of the above information and referred me to the XXXX. 

I do believe that not only was the application submitted by the dealership - not myself was inaccurate. And also believe my verifiable and protected sources of income were denied against the Fair Lending guidelines. And personal bias was used in determining my worthiness in this case but am unable to discern or consult due to the refusal to provide any information - Ive since requested only a copy of my initial application which has gone ignored. 

I called XXXX XXXX and was told I would receive a call back and have not gotten a return call. 

Ive attached email correspondence below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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: Personal information incorrect

Complaint:
Thank you in advance for your prompt attention to this matter. 

I have information on my reports that are outdated and I believe they are affecting my credit negatively. 

I no longer live at XXXX XXXX XXXX XXXX, XXXX NC XXXX Nor do I live at XXXX XXXX XXXX. 
XXXX NC XXXX I also request that all 3 of my past job history information be removed. As I feel this information is not necessary to be shared. My personal phone no. and address puts me at risk. Please remove. 

My only name and always has only been XXXX XXXX XXXX Thank you! 
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 non-monetary relief
Consumer complaint received 2019-12-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested a copy of my credit report from Experian after having a long process trying to get my credit unfrozen. They finally unfroze the report and immediately dropped my credit report # severely. I requested a free credit report from them and instead was referred to their self-service dispute website which permanently says " due to technical problems '' it can not be used. 

I believe the information being used to report my credit score by Experian is wildly inaccurate and incomplete. Their score is 80 points below that of the other two agencies. 
Essentially, Experian is refusing to provide my credit report. 

I need a copy of my Experian credit report immediately so that I can take action against them. 

I will wait 1 week from the date of this complaint to have in my possession a complete Experian credit report. Failing that, I will seek counsel in this matter.

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

Complaint:
i disputed a debt with XXXX XXXX with XXXX it was deleted only to be rereported again on all 3 bureau from a different collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: MD
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
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: Their investigation did not fix an error on your report

Complaint:
i disputed a debt with XXXX XXXX with experian it was deleted only to be rereported again on all 3 bureau from a different collection agency.

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 2019-04-26
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Had issue working with XXXX after making a payment for XXXX and XXXX. Was instructed that payment wasn't posted for XXXX but for XXXX after making payment for XXXX in end of XXXX. Company failed to help or take that into consideration and have charged account to be late. Company still reported past due even though a payment was made for XXXX, XXXX, and XXXX, and XXXX. No letter was sent to me to share this information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
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: Account status incorrect

Complaint:
XXXX Initial correspondence sent to Credit reporting agency XXXX , Experian , XXXX XXXX regarding the accurate reporting of items disputed. In letter a requirement was made for all items to be validate 100 % ( Status, amounts, etc ). After review was completed items in question came back verified, however due to inaccuracies in balances reported vs statements received from the Original creditor. 
XXXX/XXXX/XXXX a 2nd review letter has been submitted to have items in question removed as a full investigation was not completed validating all criteria to report the items in question. I feel the items in question were not full investigated as 100 % accurate as required by the FCRA guidelines for reporting information. 

My resolution requested is to remove/delete the items in question due to negligence in not fully verifying all required pieces of information.

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 2022-10-20
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email about a application opened XX/XX/2022 in my name that has hit my credit report. It says it is from Synchrony Bank/JC Penny XXXX I tried calling and got ahold of Synchrony and told them this wasn't me and it was fraud and they needed to fix it. They took my information and said they would look into it. I received a letter in the mail Dated XX/XX/2022 saying that they looked into it and that " the information supplied at the time of application matches the credit Bureau file that was accessed during the application process and that since the information matched, they were unable to do anything about it. 
I called back as soon as I got the letter and told them again that it wasn't me that filled out the application and that it was fraud. I finally got ahold of someone that could look up information. She said they see the app and that it has my social security number and date of birth but my address and phone number was wrong. I asked for information about the application but they wouldn't give me anything.

The lady said that the application was processed but was denied for some reason but it did hit my credit report. I asked her how it was denied when I have two emails saying things like " Thank you for being a Synchrony Home Credit cardholder '', " Promotional financing '', " your card is now accepted at thousands of locations nationwide '', " Credit is extended to you by Synchrony Bank ''. 
I'm having a hard time understanding how the application was denied while saying things like the above!? 
They wouldn't provide me an account number or any information regarding the app. 
I take my credit seriously and I want this fixed but unfortunelty Synchrony doesn't seem to care to much. 
I have received XXXX emails now about this account I supposedly have. 
Please help me Thanks I have been sent emails and letters from Synchrony Home Synchrony Financial Synchrony/ JC Penny 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 2023-09-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dates : XX/XX/XXXX  Amounts : {$700.00} from one checking account and {$1200.00} from the other, each done in individual {$100.00} withdrawals. 19 in total. 

The company sent a fraud alert to my phone that same day asking if I wanted to close that card due to fraudulent activity. I said yes. I have photo records of this. They did not close the card and continued to let activity happen on it. 

Chase representatives wouldnt tell me how the investigation was conducted but stated that they have ways of determining that a card was used. 

Chase representative at the bank said there is no way to copy a debit card from them. I have read several articles that say otherwise. 

Chase representatives refused to tell me the location of the ATMs Chase representatives required me to provide proof that I did not make those transactions but stated that they could not specify what proof would be sufficient I escalated the matter with Chase and the representative told me as the first line that he had already decided he would deny the claim and there was nothing or no one else I could talk to. Then he hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 special promotion loan from Capital One bank. This was for a period of 18 months with no interest until the period was complete. Unknown to me the period of no interest ended on XX/XX/2019. The problem was there was no mention of this ending on that statement. Had the company let me know somewhere on that statement that it had ended,I would have paid off the balance with no interest. However the XX/XX/XXXX. statement came and showed interest due for $XXXX.I feel this is an underhanded way to do business and is very unethical. I contected the company and asked them to remove the interest charge. I spoke to a supervisor and was refused . I phoned a second location for the bank and spoke to a senior supervisor and he also said he could not remove the charge. I explained that I was an old and very good customer for years. This made no difference to them. In all my dealings with credit in the past I have never run into a problem like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-27
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Dear Sir/Madam, I 've met the sign-up purchasing two months ago, and yet my bonus XXXX XXXX points are still not in my account till now. I 've contacted AMEX a couple of times but the issue has n't been resolved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Global Lending Services LLC
State: GA
Product: Credit reporting 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 writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and XXXX credit report. 

On XXXX XX/XX/2023 I notice unauthorized hard inquiries on my credit report, Id like them removed because I did not authorize the report to be pulled for any reason. 

XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, 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: 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 name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : DXXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : 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 an 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
Consumer complaint received 2021-03-17
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 Paid {$500.00} XX/XX/2022 I was not sent a letter after my payment that I was going to be reported to the credit bureaus I was trying to prevent this and I was assured by the representative XXXX XXXX. I have recorded messages and my bank receipt. The last time XXXX XXXX called me was XX/XX/XXXX just two weeks after I paid {$500.00}, no connection after this I was immediately reported to the credit bureaus out of anger.

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