BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 multiple occasions regarding the incorrect reporting of a debt owed to XXXX XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX XXXX the debt submitted to the credit reporting agencies. And Transunion lowered my XXXX XXXX by almost XXXX points for this incorrect reporting of a debt I do not owe, with a negative impact on my job search. Transunion also has included a XXXX tax lien on my credit report for the state of Maryland. And even though I have not worked in Maryland since XXXX, Transunion has refused to remove this inaccurate reporting from my credit report, which lowers my XXXX XXXX and negatively impacts my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 XXXX XXXX, XXXX I submitted correspondence to Capital One because of suspected fraudulent activity by the bank for accounts in my name ending in XXXX, XXXX, and XXXX. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Capital One on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Grain Technology, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Data from XXXX and XXXX Account Grain Technology Inc ( Grain Techno ) I dont recognize this account at all. This account is fraud. I have disputed this account 2 times through XXXX and XXXX. Both of companies said information is accurate but it is incorrect. I lost my wallet. I check my credit reports to see if there is any incorrect information recently. Then I dispute the incorrect information on the credit reports. I called XXXX and XXXX I spoke to the reps to file another dispute for a fraudulent account on my credit reports again. Please help me to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Attempted to contact amazon synchrony bank in reference to an inaccurate amount reported on my credit report. States that XXXX time was written off but states that XXXX $ is past due. Spoke with a representative to resolve the past due amount just to get it taken off my credit report and stated the only amount that I could pay was XXXX $ but it had already been written off. Attempted to resolve and dispute this account multiple times.

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 2020-04-24
Company: Experian Information Solutions Inc.
State: AR
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 received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving the letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw accounts that I never open and several bankruptcies under my name. These accounts and bankruptcies are not mine. Please remove all these fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: EQUIFAX, 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 AM A VICTIM OF ID THEFT DUE TO THE 2017 EQUIFAX DATA BREACH. PLEASE REMOVE THE ITEMS LISTED ON MY FTC REPORT FROM MY CONSUMER FILES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06
Company: General Motors Financial Company, 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:
In XX/XX/XXXX I leased a new XXXX XXXX from XXXX XXXX at XXXX XXXX XXXX. XXXX, FL. All went well and I was a happy customer. On XX/XX/XXXX I went to shop for a new vehicle and find out if there were any specials going on. I was able to return my XXXX XXXX and lease a new XXXX XXXX XXXX. All was still fine and I was a happy customer. In XXXX my husband and I both received a bill for {$580.00}. I immediately contacted XXXX XXXX pertaining to this bill. I was told that since I had paid for an excess wear and tear policy on the equinox and leased another vehicle there should be no payment due. Before I could do anything about this, GM Financial reported this to the credit bureau as 90 days in the rears with a {$580.00} balance. In almost 12 years of leasing vehicles with XXXX my payments have never been late. As soon as this was reported to the credit bureau my husband and my credit scores dropped XXXX to XXXX and XXXX to XXXX. XXXX points and I am still trying to get it fixed. Numerous calls to GM Financial, numerous disputes with all credit bureaus and emails to XXXX XXXX which go unanswered. I have paperwork that shows I do not owed the excess wear and tear of {$150.00} and the disposition fee of {$390.00} that was charged in error as I leased another new vehicle from XXXX. I am getting no where with GM Financial, the credit bureaus, or XXXX after 3 months. This has damaged our credit scores and kept us from financial opportunities. The {$580.00} is still on my credit report and it is now showing 120 days past due. And still on my husbands credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
After pulling my credit report in XX/XX/XXXX I noticed that there was a single late payment on my account that was incorrect. Within the next two months several more had been added to my account showing 30 day late payments. I contacted US Bank and the credit agencies multiple times showing my payments were made on time. I have filed several disputes with the credit agencies and US Bank. As of today XXXX is still showing four 30 day late payments. 

Due date XX/XX/XXXX : Paid XX/XX/XXXX ( {$160.00} ) Reporting 30 day late Paid XX/XX/XXXX ( {$180.00} ) Reporting 30 day late Paid XX/XX/XXXX ( {$190.00} ) Reporting 30 day late Paid XX/XX/XXXX ( {$610.00} ) Reporting 30 day late

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 2021-06-10
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Credit Karma has failed to inform me of why they suddenly and abruptly blocked access to my funds. It's been well over a month that I have tried resolving any issues but they have never given me a clear explanation as to why they are not letting me access my account. I receive my employment direct deposit to this account and have fallen behind on bills and rent due to them preventing me from withdrawing any money. I have been left on hold for hours then I am disconnected.i have a full time job that doesn't allow me to call credit karma all the time. Every day, for my lunch break I call them requesting my money and closure of the account they do not follow through with it. They have submitted about five inquiries to their " higher department '' who is supposed to contact me within 48 hours to resolve this, but they don't follow through as well. I'm frustrated and need help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX, XXXX has sent me a communication to collect a debt without disclosing that they are a debt collection company or that the communication was a means of attempt to collect a debt. 

Their business name itself is deceptive in nature, and the communication is crafted in a manner that addresses urgency, whilst leaving the nature of the communication unknown. I almost thought the communication may have been a Job offer until the document asked me for the last 4 digits of my SSN. 

This is their email, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear XXXX We wanted to get you this letter as quickly as possible and having your email of XXXX on file we thought you would appreciate receiving it in an email. If you do not want to receive communications from us via email please use the unsubscribe link below. 

In an effort to maintain your security, we have encrypted your attached eNotice.

To open your encrypted eNotice : 1. Double click on the secure PDF attachment or click this link.

2. When prompted, enter the last 4 digits of your social security number for your password.

* Please note the above attachment link will expire in 90 days of receiving this message.

If you are not the intended recipient, please unsubscribe by clicking on the link at the bottom of this communication.

If you have any questions about your secured eNotice or need assistance, please contact us.

Sincerely, 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 2021-06-10
Company: EQUIFAX, INC.
State: HI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I SUBMITTED MY COMPLIANT THROUGH THIS PORTAL ABOUT A MONTH AGO BUT RECEIVED AN EMAIL SAYING IT DIDN'T RECOGNIZE ME FOR SOME REASON. I'M JUST TRYING TO GET MY DISPUTE PROCESSED REGARDING THESE ACCOUNTS THAT ARE AFFECTING ME FROM BEING ABLE TO PURCHASE A NEW HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I SUBMITTED MY COMPLIANT THROUGH THIS PORTAL ABOUT A MONTH AGO BUT RECEIVED AN EMAIL SAYING IT DIDN'T RECOGNIZE ME FOR SOME REASON. I'M JUST TRYING TO GET MY DISPUTE PROCESSED REGARDING THESE ACCOUNTS THAT ARE AFFECTING ME FROM BEING ABLE TO PURCHASE A NEW HOME.

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 2017-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
CapitalOne charged me a fee for a secured card when I opened my account in XXXX. I paid the fees with funds from my XXXX checking account. CapitalOne informed me a few weeks ago my status was changed from secure to unsecured as a credit card holder with CapitalOne Bank. However, CapitalOne did not refund the fees charged to my checking account and instead, placed the fee on the CapitalOne credit card. And CapitalOne has not refunded me the XXXX interest on the fee charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX, with whom, I do not have a contract with, is reporting on my Equifax credit report. In an attempt to validate the account, I requested a full validation of this account and XXXX completely ignored this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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:
XXXX Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
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:
This is my 6th attempt to get this matter resolved but then again my request is still being ignored. I have a loan with the accounts below and I always made my payments on time. For some reason, I realized that there were 30 days past due from XXXX, XXXX and 60 days past due on XX/XX/20. I have read enough to understand my rights. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA.and is wilfully non-complying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the accounts with erroneous information that I'd like to remedy ASAP. 

XXXX XXXX XXXX, XXXXXXXX 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 2019-07-06
Company: Experian Information Solutions Inc.
State: CT
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:
On XX/XX/2019 my credit score was pulled at least once by the Loan Dept at XXXX XXXX XXXX XXXX, CT after confirmation that they had pulled the score already on XXXX XXXX, 2019 via the online application that I submitted for an auto loan.

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 2017-10-04
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a Synchrony Credit card with XXXX XXXX XXXX.. .the account is current and I 've made payments every month on time. 

I used the card to purchase furniture for XXXX XXXX interest for a promotional period. Every month I made payments, my payments were not allocated to the promotional balance that matured first, rather it was split equally among the balances. 

While I was able to afford to pay the balance necessary to ensure I was not hit with the deferred interest.. .I do n't think others are necessarily in my position to do so and can be hit with sizable deferred interest bills.

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 2017-07-05
Company: JPMORGAN CHASE & CO.
State: OK
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:
On XXXX XXXX 2017 I was notified via a credit monitoring service that Chase Bank had ran my credit report. I called Chase, and verified that this was fraud. They said they would take the inquiry off my report. <P/>The following week, I called XXXX and placed a 90 day fraud alert on my social security number. During this 90 days, anytime someone attempts to run my credit, there is an alert that states fraud has occurred, and to please call me, and it lists my cell phone number. <P/>Since I placed that fraud alert, Chase has ran my credit report 2 more times. The inquiry from XXXX is still on showing on my report, along with 2 more  inquiries. <P/>Chase has not helped whatsoever. I have spent hours on the phone with their fraud department, credit bureau department, and others. <P/>Chase needs better procedures to protect consumers against fraud, especially when there is a fraud alert on my social security number. They also need to be more proactive in removing the inquiries. <P/>Currently my wife and I are applying for a mortgage, and these inquiries have lowered my score, and are causing me to be offered higher interest rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/2019 my credit score was pulled at least once by the Loan Dept at XXXX XXXX in XXXX, CT after confirmation that they had pulled the score already on XX/XX/2019 via the online application that I submitted for an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dispute these charges by this company. I am XXXX, i have disputed charges, XXXX XXXX charges unauthorized. Off shore debt buyer reported false information. I have been XXXX since 2013. 
When contacting agency computer messaging and customer care they were unable to provide appropriate information for filing discrepancy with their accounts charged off. No one would discuss accounts unauthorized charges that appears on credit report. 
I have received repeated excessive calls from this international who have excessive harrassing calls and inflation of chagers that never existed. 7 days per week. Thirty different numbers calls cell phone 7 days per week any day and and time. Falsely filed a $ XXXXdebt to XXXX XXXX and {$4400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
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 recently received a copy of my credit report and found an account that is not mine. The account is with collection agency XXXX XXXX with a balance of {$320.00} and an original creditor of XXXX. I have never done business with either of these companies and this account is not mine. My name is XXXX XXXX XXXX, and my father 's name is XXXX XXXX XXXX I believe this may be his account and if not this account is fraudulent.

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 2022-04-06
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: Was not notified of investigation status or results

Complaint:
this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.

Company response to consumer: Closed with explanation