BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This letter is about the following accounts : XXXX, XXXX : # XXXX, which you claim, I owe [ $ XXXXor my account was charged off {$440.00} ]. XXXX # XXXX, which you claim, I owe [ {$1200.00} or my account was charged off {$1200.00} ] .This is a formal notice that your claim is disputed. 


I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2019-07-02
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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2020, someone accessed my card and made purchases to an online store in the XXXX XXXX. The purchases were for {$120.00} and {$100.00}. I was also charged four XXXX purchase fees in the amounts of XXXX, XXXX, {$2.00}, and {$2.00}, for a total of {$230.00}. I immediately called the company to report a fraud charge but was told I had to wait until the charges cleared. I waited a few days and called back. I was told that they were immediately refunding the International fees and that I would need to fill out paperwork for the fraud, and if I got it back to them within 10 business days, I would get a provisional credit within 48 hours. I filled out the paperwork and faxed it in 6 business days, along with my police report and emails between myself and the store the fraudulent purchases were made through stating they had located the fraudulent account. It has now been 4 business days since they  received that information ( I called to verify ), and no credit, no refund of XXXX fees. I have spent OVER 19 hours on hold with these individuals, only to be lied to, given the run-around, switched to another layer of their network, and hung up on. I am a single mom of a small child and don't have time to sit and wait. I did everything they asked in the tiny time frame they gave me, only to be sitting here on hold for almost 3 hours with more of the same. NO answers, no help. This is my child support money. As a single  mom on XXXX, I NEED this money. Not only was I a victim of credit card fraud, I am now a victim of the crooked company. I feel they are a scam and just out to steal your money. They have ALL THE INFORMATION THEY REQUESTED, AND THEN SOME. WHERE IS MY MONEY?????????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian is not allowing consumers to unfreeze credit online. 


Experian has a system were they are NOT allowing consumers to unfreeze credit online. They will only honor unfreezing online if you purchase one of their products.

A while back I froze my credit with all 3 bureaus. I have my valid pin with Experian, but they request that i mail in documentation since I am not subscribing to one of their products .... 

Please investigate Experian as they are clearly fleecing the general public ... ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
There was an international wire transfer initiated in the XXXX that was sent via XXXX to Wells Fargo that was supposed to be sent to XXXX XXXX XXXX XXXX. The amount was for {$91.00} and the transfer was sent on XX/XX/2020 and was supposed to arrive on XX/XX/2020. It has been held up by Wells Fargo ever since. I have attempted to contact XXXX, but since I'm not the sender, I can't talk to them about the transfer, I tried contacting Wells Fargo, but since I'm not a customer of their 's, I can't talk to them about the transfer. I tried contacting my bank, but they can't do anything for whatever reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Convergent Resources, 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: Account status incorrect

Complaint:
I am writing in regards to the following information that appears on my consumer report : Account Number or other information to identify account : Account Name : XXXX XXXX Account # XXXX Date Opened XX/XX/2018 Balance {$650.00} CONTACT INFORMATION XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Explanation of item being disputed : I entered into the cellular service agreement in XX/XX/2018, I was advised to not incur new debt, and returned the device XX/XX/2018. 

The XXXX Service Agreement indicates the following policy : I acknowledge that I was provided an opportunity to review my completed Installment Loan Agreement ( ILA ), including 24 monthly payments and my right to cancel within 14 days. 

I returned the device within the 14 day window ( 7 days from purchase ), and therefore ended the service contract. See attached 1 ) service agreement indicating the policy above, 2 ) bank statement indicating my credit from XXXX XXXX, 3 ) and return receipt from XXXX XXXX. I do not owe the amount and would like the entry removed from my credit reports and no further collection action to occur by XXXX or Convergent Outsourcing. When I contacted XXXX, they've written it off to Convergent Outsourcing ; I have provided them the same information and disputed this with XXXX and XXXX. I am attempting to rebuild my credit after a bankruptcy, but when I called I was just told " this isn't in my bankruptcy. '' I made it clear I was not saying it was. The phone was returned within the return period outlined on the contract. The have continued collection efforts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Amazon has been notified numerous times to cancel charges and have been doubled charged for items I returned within the return policy and now I just received a product to contact them and im not contacting them again to return item and receive refund. A solution is being given refund and canceling the monthly charges and getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good afternoon, I am making a dispute against Barclays Bank Delaware , XXXX XXXX XXXXXXXX And XXXX XXXX XXXX  for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from These banks to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.

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 2018-01-26
Company: EQUIFAX, INC.
State: OH
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 sent numerous letters to Equifax requesting how they verified a bankruptcy reporting on my report. Each time they have come back and stated that they verified it with XXXX. Each time I provided evidence from the courts as well as XXXX. So how is this possible? XXXX do not match public records data to consumer credit files for Equifax. Equifax performs the matching themselves. According to the FCRA, if requested properly by the consumer the reporting agency must provide documentation that the negative item is mine, according to the FCRA, the item is classified as Unverified, and all unverified accounts must be DELETED!! XXXX deleted the account because it could not be verified, neither can they .... now it must be deleted!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 have been suspecting that my account with Capital One has been flagged and been discriminated based on my race and national origin, so i have decided to apply for a credit line increase of {$3000.00} to see i will get an an automatic denial of the request. I have sent the request on XX/XX/2019 and get an email with the rejection the same date. 

The reason given was my account has high balance and the account has not been used a lot. Here are the fact of my credit As of XX/XX/2019, My FICO score is XXXX which lenders consider as good. My total debt ratio is XXXX XXXX  of my available balance. I would say there is no valid reason why my request was denied other than i have been discriminated by Capital One This has been happened before when i tried to get a higher credit limit ( about twice or 3x ) The account has not been reviewed properly and i truly believe Capital One has a way of flagging accounts and discriminate customer based on race ( I am XXXX ) and based on national origin XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
When I first applied on XX/XX/XXXX for this loan with XXXX, I was only looking to get $ XXXX- {$1500.00}. I received a number of emails saying that I was approved upon the company receiving documents from me which was my ID and Social Security card copies. I have paid this loan on time from XX/XX/XXXX of {$240.00} then my payment amount changed to {$290.00} on XX/XX/XXXX and remains the same amount as of today, XX/XX/XXXX. 

The loan amount that XXXX XXXX, Loan Agent, Direct : XXXX, Email : XXXX said I would need to agree to in order to qualify for a loan was in the amount of {$2500.00} for a term of 47 months and this loan carries an interest rate of 135.00 % and an APR of 139.12 %. 

As of today, XX/XX/XXXX my payoff amount is {$2700.00}. This is the pay off amount even after making every single payment on time since XX/XX/XXXX, but my XXXX Settlement Contract shows today XX/XX/XXXX would be my 24th payment on this loan at the monthly payment amount of {$290.00} and {$20.00} going towards the principle and {$270.00} going towards the interest of the loan with a payoff amount of {$2400.00}. My settlement principle payments are not being applied to my loan as the XXXX states in the Settlement Contract which violates the contract. I was told I HAD CONNECT MY BANK ACCOUNT for automatic payments. 

I feel very scammed and seriously taken abuse of. XXXX sent me a copy of my credit report on XX/XX/XXXX at XXXX PST before distributing the funds to my bank, so they could clearly see ( 38 - SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED, 19 - TOO FEW ACCOUNTS RATED CURRENT. 15 - INSUFFICIENT OR LACK OF BANK REVOLVING ACCOUNT INFORMATION. ) XXXX also sent me a Risk Based Pricing Notice on XX/XX/XXXX at XXXX XXXX PST that did not explain or show me anything pertaining to me having to pay higher amounts or stipulations because of my credit score. The email only stated information from XXXX that stated " What should you know about your credit score. '' I am unsettled with the reason XXXX   provided/approved/extended a loan offer to me with such unreasonable stipulations. By XXXX reviewing my credit history they could clearly see that I would be unable to pay this loan off even as I make my monthly payments on time at the amount that they have set. 

I believe that I was racially targeted and being a low-income individual with very poor credit made me a target for in-proper finance terms. I was unemployed at the time I applied but was advised by XXXX XXXX XXXX that he would use my previous employment information to qualify me for the loan after I explained to him that the loan was very much needed for emergency purposes. I should not have been approved for this loan unless the Lenders purpose for extending/offering the loan to me was purposely unethical and illegal financial benefits for the Lenders purpose and gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
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: Was not notified of investigation status or results

Complaint:
I sent letters out certified over 45 days ago and have yet to be notified of any results. As a consumer I dont feel like these people are not taking me serious and are taking advantage of me.

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 2021-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a debt for {$240.00} on my credit report from Portfolio Recovery Services LLC well over a year ago from XXXX XXXX  that is not mine. I have disputed this with the collections company for over a year now to no avail. The company has marked it as disputed on my credit report but refuses to remove it. They have gone as far as sending me a past due bill from the original creditor without any other details other than saying I owe the amount shown. I have told them over and over that these are not my charges and if they looked into the charges they would see its not mine but it just gets ignored every time and the charges stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I was rebuilding my credit, until my card was restricted. And the the credit company and bank account wouldn't accept the payment. Just after making a large payment. The account went excessively over as if they wouldn't let me access my own name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: DISCOVER BANK
State: SC
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:
A credit card was open with discover with someone trying to use my name. the name on the card is XXXX XXXX. I always go by XXXX XXXX XXXX XXXX. XXXX refuse to take this card of my credit file. The card was removed from my credit file in XX/XX/XXXX-XX/XX/XXXX. then suddenly appeared inXX/XX/XXXX. This card was open while I was in the hospital battling XXXX. I have spoken to Discover but they play games and give me the run around. The card was open online. plese have them remove this card from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I received a notice from Portfolio Recovery stating that my account had been sold to them and demanding payment for an account that I have paid off back in XXXX. I worked with XXXX ( a debt settlement company ) and this account was settled by negotiation and closed. I have sent them copies of my payments, but they have continued to harass me and have reported this debt and had to put on my credit report. Portfolio is asking for XXXX for a credit card account that I had. I began working with XXXX and through negotiated payments the account was settled and closed I have sent Portfolio a record of the payments, but they continue to ignore my payment record, and have reported this as a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I applied what I thought was a chase sapphire preferred credit card. Unfortunately, in error, I applied for the Chase Sapphire Reserve credit card. I immediately discovered my error and called Chase Credit Card Service and told them of my mistake. The agent told me that I could change the product with no problem, just call back with in 48 hours when the account is set up. I called again on XX/XX/XXXX and spoke with an agent that said I could not cancel or change the card. I then asked for a supervisor who again denied my request and said the agent from the night before was incorrect. I then spoke with a manager who again said they could not change the product but could reject the credit card which will hit my credit rating. I opted to reject the card. 
My complaint is that there should be a grace period of at the very least 24 hours to correct a mistake. There has to be a regulation of some sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are medical bill collectors called capital accts. They have called me several times every day for a medical bill. I have explained to them that I have over 50k in med bills from just last year and my meds are XXXX and I can not even pay for gas. they stated that ask the family to pay my bills or my spouse which is the only one able to keep a roof over our heads. they have placed 5 different collections on my credit report. I have explained to them im very sick and I know I have a bill but to please stop harassing me. they then stated they will seek legal action against me and it can result in judgment lien on me and anything I own it can also result in wage garnishment. I told them if I was able to work I would not be in this call with them. They call from several landlines they call and hang up and when you call back they answer. I do not know what else to do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation