BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

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 2022-10-13
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:
Upon reviewing my updated reports, there are incorrect items were found in my which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, C ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} ; 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

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 2023-06-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This account is over 7 years old. They had a duplicate account and one fell off, They refused to take the other account off. I disputed this account about a week ago and they took off paid collection status when I let the credit bureau know that the date of last activity is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
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:
Equifax has been reporting FALSE information regarding collection activity on my credit report. I submitted 3 credit report dispute complaints over a 3 year period to have this false collect claim removed and provided court documents showing the debt claim as false and not valid. Each time the dispute results are in favor of the creditor with ZERO proof that the debt belongs to me. 

Equifax is not doing proper investigations into consumer dispute complaints. And are failing to collect proof of debt from creditors before submitting negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Siggi LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX  military returned from XXXX and family needed money. I feel I was lured in being they are less than XXXX miles from base Im sure Im not the only one. They constantly are calling friends and family and wanting an allotment set up to make the payments. I know I narrowed the money and dont dispute that. I ask they lower my interest on remaining balance to 12 % or lower. Also I have requested copies of the original al signed contract that was done digitally and have yet to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
In XX/XX/2010 I foreclosed on my property. I had a HELOC loan ( XXXX ) with XXXX XXXX  attached to that property as well as other loans. Its been over 7 years and XXXX XXXX is still reporting the loan on my credit report as over 180 days past due. I have been in contact with XXXX XXXX and have had no resolution Since I need to apply for other home loans I need to get this off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Navient Solutions, LLC.
State: KS
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a loan with Navient and had been placed on a program but when it was up they never sent my renewal paperwork to get it started up again. It was based on my income the program and was able to get no payments due to my job not making enough. I was told when the time was over just call them and they would get the paperwork over to me. I did call and spoke with a representative and they acted like they did not know what paperwork I was talking about. By then I had lost my full time job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: EQUIFAX, INC.
State: GA
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, EQUFAX AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX XXXX  Inquiry date : XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On Monday, XX/XX/XXXX, I received a notification from XXXX that my credit score had changed. I went to check it out and discovered a hard inquiry from Bank of America. They had approved a {$5000.00} credit limit credit card for someone that isnt me. That someone used my information to get this credit card. When I called Bank of America about it, I had requested the application information. The representative I spoke to told me I would need to send in a copy of my ID. When I asked her, " Why it that you need my ID for a copy of the application but didn't need an ID to approve the credit card? '' The representative got snotty with me and hung up. So, not only did Bank of America approve a CREDIT card without any identification under my name, their representatives were rude and didn't help either.

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 2020-09-18
Company: JPMORGAN CHASE & CO.
State: FL
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:
Enforcers better look into the scams on seniors with fake subscriptions placed on your credit card. 
The bank Cards said they are aware but don't do anything but void your credit card? Shame on U.S. 
You inquire about a product and then without your knowledge the scammers place a $ XXXX/mo membership on your card without your approval?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
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 is missing that should be on the report

Complaint:
Transunion Credit agency, for 3 months straight has downgraded my credit rating, by removing 3 times now my XXXX XXXX XXXX  accounts, each that I have had opened for 4 years now ... andf have always been on time and A rated credit, both carrying a {$0.00} balance and XXXX lines of credit accordingly, last month i disputed their removal of these accounts in good standing, now again they removed them again ... the bank verified that they did in fact report the credit to all 3 Credit monitoring agencies, XXXX   and XXXX have this account listed and in good standing. 

On the XXXX I applied for vehicle loan with XXXX XXXX, was approved..today my loan value due to decreased fico score, has been raised an extra XXXX in interest due to credit rating, enough of this XXXX ... Transunion has held no credible response, nor response of repair and clearly violated my credit rights..please fine them

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 2018-04-10
Company: Experian Information Solutions Inc.
State: MO
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:
After looking over my credit report i have found a few items that are being reported inaccurately by Experian and request that they comply as i look to have an accurate updated credit report reporting only accurate 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 2019-10-31
Company: LEXISNEXIS
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:
I asked to have investigated two bankruptcies on my current consumer report by LexisNEXIS. There is a chapter XXXX Dated XX/XX/XXXX and a chapter XXXX dated XX/XX/XXXX on my current reports that are inaccurate. The credit bureaus have reviewed the reports as been accurate. I am requesting from all the credit bureaus verification of the accuracy on my credit report. I would like to know exactly how the account was verified and the contact person who verified the account. I tried calling the Bankruptcy court USBK COURT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to ask if they verified this account to the credit bureaus and I was told by the clerk that they do not verify information to lexisnexis or any other consumer bureau. Please provide me with as many details as possible as to who verified these accounts because I never filed a bankruptcy. I would like original documents showing my signature as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I tried repeatedly to dispute accounts that was open fraudulent. They want take it off. These accounts are hurting my credit and making my life hard. They continue to keep the accounts on file. The companies or credit bureau ot doing anything

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 2019-10-31
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:
I asked to have investigated two bankruptcies on my current credit report. There is a chapter XXXX Dated XX/XX/XXXX and a chapter XXXX dated XX/XX/XXXX on my current reports that are inaccurate. The credit bureaus have reviewed the reports as been accurate. I am requesting from all the credit bureaus verification of the accuracy on my credit report. I would like to know exactly how the account was verified and the contact person who verified the account. I tried calling the Bankruptcy court USBK COURT XXXX WISCOXXXX XXXX XXXX XXXX XXXX XXXX, XXXX to ask if they verified this account to the credit bureaus and I was told by the clerk that they do not verify information to any credit bureaus. Please provide me with as many details as possible as to who verified these accounts because I never filed a bankruptcy. I would like original documents showing my signature as well.

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 2023-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Dear Consumer Financial Protection Bureau, I hope this email finds you well. I am writing to file a formal complaint against Capital One Credit Cards regarding their refusal to accommodate my request for a financial hardship review. Despite being on public assistance and facing severe financial challenges, I have encountered significant resistance from Capital One in obtaining the necessary assistance to manage my situation. 

I have been a loyal customer of Capital One Credit Cards for several years and have always strived to meet my financial obligations. However, due to unforeseen circumstances, I am currently experiencing extreme financial difficulty, and my ability to make monthly minimum payments has been severely impacted. I reached out to Capital One requesting assistance in the form of a financial hardship review, which would include waiving late fees, lowering interest rate, arranging a feasible payment plan, or even settling the full balance at a reduced rate. To my dismay, I have been met with rejection on all fronts. 

I am deeply frustrated and disheartened by the lack of empathy and understanding demonstrated by Capital One 's representatives. While I understand that credit card companies operate within certain guidelines, I believe that there should be room for compassion and assistance in cases of genuine financial hardship, especially considering my consistent payment history prior to these difficult circumstances. 

I have explored various avenues to resolve my financial situation, and my request for accommodation is not made lightly. The refusal from Capital One has left me in a state of uncertainty and distress, as I am unsure how to navigate this challenging period without their cooperation. 

I kindly request your intervention and investigation into this matter to ensure that Capital One adheres to fair practices and provides assistance to customers who are genuinely struggling. I believe that a reconsideration of my case and a willingness to work with me to find a suitable solution would not only be in my best interest but also align with ethical and responsible lending practices. 

I am grateful for the Consumer Financial Protection Bureau 's commitment to safeguarding consumer rights and promoting fairness within the financial industry. I look forward to a prompt resolution of this matter and appreciate any support you can provide in facilitating a productive dialogue between myself and Capital One. 

Thank you for your attention to this pressing issue. Please do not hesitate to contact me if you require any further information or documentation from my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: SYNCHRONY FINANCIAL
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
{$19.00} charge on XX/XX/XXXX statement. cleared my bank on XX/XX/XXXX was due XX/XX/XXXX. Synchrony Bank claims XXXX not paid. My bank ( XXXX provided the tracking number of the debit from Synchrony to show that it was paid but they still say we owe them the XXXX, We provided dates by fax with numbers to show it was paid. XXXX letter from Syn. states we still owe the amount. again we prove the money was paid but they say that they can't verify what they did with the! XXXX. So I will still have to pay on my XX/XX/XXXX statement. 
So what is my recourse?

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 2022-10-27
Company: Risecredit, LLC
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: Account status incorrect

Complaint:
Rise lists my paid in full account as a settlement. Balance of {$1300.00} was paid in full on XX/XX/2019 ( confirmation # XXXX ). Company refuses to validate or correct status on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: JPMORGAN CHASE & CO.
State: CA
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:
I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and come to an agreement to have the authorized charge to be resolved.

Company response to consumer: Closed with explanation