BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
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: Account status incorrect

Complaint:
I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it clear that failure to review an item within 30 days will result in its removal from my credit report immediately. These entries should be deleted immediately as they are older than sixty days. I demand the immediate deletion of these accounts ; otherwise, I will sue you for the stress you have given me. 

XXXX. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX. XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX. XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

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 2017-07-11
Company: General Motors Financial Company, Inc.
State: WI
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:
I recently purchased a car from a dealership. I went with a preapproval letter from XXXX XXXX with the intent of getting a loan from that credit provider. At no point did I authorize any other bank to run a credit inquiry. I did authorize the dealership to run my credit once on X/X/17, because they told me that I had to in order to purchase the car. Unfortunately the car dealership proceeded to allow several banks to run my credit resulting in over a 60 point drop in my credit score. The dealership told me that it would only be counted as one hard inquiry since it was within 14 days, but XXXX stated that in fact is not the case. Nothing else has changed on my ( XXXX ) credit report since my credit pulled a little over a week ago. As I plan on purchasing a new house within the next year, I am unable to wait for all of these inquiries to fall off of my credit report. So far I have contacted GM Financial who said that they would not be able to provide a letter for me to submit to the credit bureaus to have this inquiry removed. They stated that they got permission from the car dealership to run my credit and would not be able to assist me in removing this from my credit report. I did not authorize the car dealership to allow GM Financial to run my credit. Other banks that have run my credit without my authorization include : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GM financial, and XXXX XXXX via XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 contacted Transunion on XX/XX/XXXX because I have been violated of my rights by an incorrect account reporting on my credit file. Transunion said that the account that is reporting inaccurately was verified from the courthouse. I called the courthouse and they said they do not have any records on file and that they do NOT share anyones personal information to the credit reporting agencies nor do they intervene with the dispute investigation. They also sent me out a letter as verifiable proof. I called back to Transunion on XX/XX/22 to tell them that they are not doing a proper investigation of this account and they said that they are certainly verifying this from the XXXX XXXX XXXX I was transferred over to the supervisor who then confirmed that it was verified through XXXX. I told them that XXXX does not have it on their credit file and I showed verifiable proof from the dispute that I sent out in XXXX that was not properly investigated. The supervisor then said that the letter I sent in from XXXX was not something they can except because it came from a third party and that XXXX has to send an electronic file in order for them to accept it. I called XXXX and they said that they were sending out a dispute to Transunion with my new credit file. They also said that Transunion did not contact them about a dispute or an any account on my credit file. I am so upset with the progress I have received disputing this inaccurate account on my report. Transunion will not give me the right answer as to who they are verifying their information from. They are violating my consumer rights and laws by not telling the truth/false information or showing me physical proof of the verification. This is unfair practice and has become detrimental to my livelihood.

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 2017-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
There was a balance on my credit report of {$680.00} and I settled with XXXX XXXX for {$300.00}. Then, Capital One updated my credit report to only reflect a {$300.00} payment, leaving a balance of {$380.00} and my credit score dropped 90 points. How can do they do this? I did my research and found this is a violation of the Fair Credit Reporting Act. I have spoken to several people at Capital One and they assured me it would be reflected to a XXXX balance and now it is n't. I am trying to get a mortgage and I paid this account to satisfy my debt and now it just hurt me more than paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I have been charge {$270.00} on my credit card from XXXX but they denied any charge for that amount but it showed on my credit card statement but when I disputed it with the bank they asking to wait 90 days witch way too much specially I didnt make those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: PNC Bank N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
BBVA is a fraudulent company.

BBVA unilaterally closed my account without any notice or explanation to me.

I timely paid my balance in full last month and was told that would bring my account to {$0.00}.

I checked my account today and found that I am being charged {$6.00} for Interest charge promo charge and {$1.00} minimum charge.

I called BBVA and spoke to XXXX XXXX. I asked for an explanation of these new charges - she didn't provide one. I asked to have the {$7.00} reversed- she refused. I asked to speak to a supervisor- she said there was no-one available and they would call back but didn't say when. I offered to pay the {$7.00} if she would provide written confirmation that no more charges would be incurred- she refused. 

I want this matter investigated. I will not pay these fraudulent charges without verification that doing so will bring the account to {$0.00} for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2019 with an amount of {$300000.00}.

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
Consumer complaint received 2019-06-12
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: Public record information inaccurate

Complaint:
I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information. Chapter XXXX Bankruptcy Discharged 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 2021-02-13
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
in XXXX of XXXX i took out a loan with santander to purchase a vehicle. The Dealership i bought it from, XXXX XXXX in XXXX Texas asked me if i wanted to purchase gap insurance. They informed me in case of a loss this insurance would cover any gap between insurance payout and balance of the loan. i purchased the gap insurance at the dealership.the gap insurance company is XXXX XXXX XXXX in XXXX of XXXX i was involved in an accident and the insurance deemed the car a total loss. i called the gap insurance company to file a claim and was instructed to fill out a form and send it to them. i sent them the form and they only paid part of the gap. not all of it. now santander has been reporting negatively on my credit report for years. ive tried to resolve the issue with the credit bureaus and santander but all they do is keep updating and changing thier reporting to the credit bureaus. i feel all options have been exhausted and i need to file a complaint to get this removed from my credit report as i do not owe this money. the XXXXXXXX XXXX owes this money not me. it is not a large amount of money owed and i have enough to pay it but i feel it is unfair that i payed for gap insurance every month and they refused to pay up in full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CITIBANK, N.A.
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: Problem with rewards from credit card

Complaint:
I have the Citi Thank you account. I initiated transfer of XXXX points from my Thank you account to their partner, XXXX XXXX on XX/XX/2021. I have transfer points XXXX points prior to this and twice after XX/XX/2021 and all have no issues except this one. My account stated it is fulfilled but it does not show up on XXXX XXXX points. I called Citi Thank you and they stated XXXX XXXX didn't accept it so it will be returned to Thank you point and wait for a week. A week past, I called again and spoke with XXXX XXXX on XXXX Cse # XXXX. She states she will look into it. Nothing happened call XXXX spoke with XXXX and ask XXXX to call me back. XXXX called back XXXX XXXX and left a voice mail stating the result is we are unable to refund the points can't be cancelled or reversed once the order has been submitted. The problem is I didn't cancel the transfer or ask for reverse. Citi systems shows complete when it is not. The XXXX points is worth {$3000.00} was transferred, never got to their partner as stated and now they say too bad, it is lost. You can't just take my money or points and transfer to your partner and just say it disappear because our partner didn't take our points. I tried to called today XXXX 3 times and they just hang up. I called XXXX, XXXX and XXXX and spend a total of XXXX minutes. 
If this can't be resolved here, just provide a contact for me to serve the law suit. It will be resolve quickly and fairly.

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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These accounts do not belong to me. Please remove

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 2022-10-03
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We were scammed By selling our baby crib & they used XXXX & we received an email we had to send money to them to verify acct & XXXX would sent it back & they could pay us then. It was a scam & we lost {$500.00}. This happened on XX/XX/2022. 

Im trying to work with my bank but we cant be guaranteed that they will refund the 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
Consumer complaint received 2022-02-17
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have viewed my credit report and there is a charge on a collection agency named Midland Credit Management. I have called them to ask about what is it that they are charging me, the person who answered used aggressive tactics and told me not o be able to provided me with any information unless I would confirm my personal information such as full name, address, social security number, employer. Otherwise, he can not give me any information. He definitely would not give me any information until I provide him with my information to identify me. So I had to give them my information if I wanted to continue talking to him in regards to this account. 
After providing him with the information he requested to update his files he told me that his company had filed a judgement against me for the balance of {$2900.00}. He said that I had to pay or else he would take legal action. 
On my behalf this is not my account, therefore, I do not owe them the amount of {$2900.00} I filed a dispute with the XXXX credit company, then Midlands Credit management sent me a letter to my home claiming to pay on full and that the original creditor is XXXX XXXX  account No. ending on XXXX. only four last digits. 
Based on the information provided on my credit report ( which has several Social Securities that are not mine ) I believe someone has used my name or this company has the wrong information and wants to make me responsible for it. 

I would like this company to remove this charge that is not mine from my credit and my name. It is very social and economic unfair that this company " Midland Credit Management '' has the power to make me responsible only because they have legal knowledge and economic resource to add their will on my report and on my persona.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX/XXXX  # XXXX has me as an authorized user. I was removed as an auth user and it should no longer be reporting on my credit. I would like for this account to be removed, it is not mine and I should no longer be on it or connected to it in any way.

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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2022-02-17
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:
In due of respect XXXX, XXXX and Transunion I like to purchase a new home in XXXX, California but because of credit reporting Agencies. 
I am having some issues because of Derogatory Remarks on my credit reports. 
1.XXXX  XXXX Services Charge off of {$11000.00} this vehicle was returned to lender and Lender Sold it in 2020. A Natural Disaster of Covid19 Pandemic/ XXXX  Financial Hardship 2XXXXXXXX XXXX XXXX  Charge Off of {$6000.00} vehicle was returned and Lender Sold it. Natural Disaster of Covid19 Pandemic/XXXX  Financial Hardship 3.XXXX. Charged Off of {$6000.00}. Natural Disaster Covid 19 Pandemic /XXXX  Financial Hardship.

Lender didn't want to agree on payment arrangement of {$7000.00} a month so they went ahead put account as Charged Off.

4XXXX XXXX XXXX XXXX  balance is Zero, 5.XXXX XXXXXXXX XXXX XXXX XXXX Balance is Zero 6.XXXX XXXX XXXX XXXX Balance is {$190.00} 7.XXXXXXXX XXXX  Balance is 300.. { Derogatory Remarks of Late Payment is not accurate as I never been late on payments.I filed complaints against Company and they Retaliate against me because of National Origin as a XXXX XXXX XXXX. 

Current Balances as of XXXX and my credit utilization is under the 26 % -21 % -Percents.. 

I am XXXX XXXX, Retired and a XXXX XXXX XXXX XXXX Veteran With Honor and Respect Always.

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 2020-04-26
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with non-monetary relief