BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-04
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: Personal information incorrect

Complaint:
I am requesting to dispute the following unauthorized credit inquiries on my TransUnion credit report. These were done without my permission. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX I am also disputing the reporting of my Chapter XXXX Bankruptcy XX/XX/XXXX as dismissed. The case was " closed without a discharge '' the court paperwork does not say anything about a " dismissal '' because that is not what happened.

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 2019-11-18
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had a QVC Q card for a couple of years now. I make my payments. I have never missed a payment. Each billing cycle QVC lowers my credit limit to be BELOW my statement balance. As a result, I am perpetually reported to the credit bureaus as utilizing more than 100 % of my available balance which hurts my credit score. I am always shown in the negative when I am not. 

This is completely intentional on QVC 's part and dramatically hurts me as a consumer. I have abided by my side of the credit card terms by making all my payments. This is a trick designed to hurt 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 2021-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing about the following account with Capital one : account # XXXX XXXX XXXX XXXX, credit limit {$3200.00}, opened on XX/XX/XXXX. 

Im an XXXX XXXX member of the US Armed forces, and I just want a fair solution to this problem. I have an excellent payment history with Capital one.

several violations and the negligence of Capital one. There is a 60 days late payment on XXXX XXXX reported on one of my Capital one accounts. They were saying it was a day late. Capital One misquoted me on the phone and gave me the wrong payment amount and due dates, as the phone app was glitchy and was not allowing me to make payments and see balances neither setup auto payments. 

My request is to get both XX/XX/XXXX and XX/XX/XXXX late remarks deleted. I hope we can solve this as soon as possible, however I am willing to get to the end of this situation and file a suit against Capital one if they deny my request. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: AFNI INC.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over 2 months ago I demanded validation of the debt that AFNI is attempting to collect. You have failed to respond to any of my requests for additional information to determine if this account is legitimate. As a previous victim of identity theft I am concerned about the origin of the account. Despite failing to provide the information to validate the debt you are still reporting the negative account information on my credit report. By failing to provide the information requested to validate the debt AND still reporting the information to the credit bureaus, you are in direct violation of the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was approved for the Goldman Sachs/Apple credit card on XX/XX/2021 ; however, I have never been able to use the credit card because my " account is under review '' and restricted from spending. I have called the Apple/GS customer service line about 5-6 times and spoken to at least 9 people since to date ( XX/XX/2021 ). No one will tell me the reason my account has been under review ( despite there being no purchases made to be reviewed ) or will allow me to just close the account. I took the typical credit score hit by opening a new line of credit and now I do not have the benefit of using the credit line at all or closing it out. Last thing to note is that this restriction took place before I could even activate the physical card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XXXX XXXX XXXX the XXXX family froze it I need a hearing I reported XXXX XXXX XXXX XXXX who files new mortgages daily XXXX harassment XXXX XXXX XXXX terminated my employment demanding XXXX XXXX XXXX drug addict woman I filed bankruptcy ch XXXX XXXX XXXX XXXX XXXX I need a loan to file legal proceeding XXXX XXXX appointed XXXX XXXX XXXX appointed assembly he arrested XXXX XXXX XXXX XXXX gaming commission The XXXX XXXX XXXX XXXX human service XXXX @ XXXX XXXX move int XXXX XXXX please read XXXX XXXX XXXX please XXXX XXXX / XXXX XXXX IRS / XXXX the check XXXX XXXX XXXX restraint XXXX XXXX 2001 XXXX XXXX crash crew XXXX XXXX XXXX XXXX XXXX the XXXX XXXX XXXX XXXX XXXX XXXX XXXX the 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 2018-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 had an account with XXXX ( at the time it was called XXXX XXXX ). The account was opened XXXX, XXXX. I defaulted in XXXX, XXXX. The date of first delinquency is XX/XX/XXXX. XXXX began issuing, and the credit reporting companies began publishing, negative consumer reports reflecting this fact. 

The FCRA allows for the publishing of consumer reports for 7 years. After 7 years, the consumer reports must be removed and no new consumer reports regarding the account may be published. In this case, consumer repeated was required to cease XX/XX/XXXX. 

Despite being informed of this requirement and being asked to stop, XXXX has continued to issue illegal consumer reports on a monthly basis, most recently in XXXX of XXXX. 

I submitted complaints regarding these illegal consumer reports to XXXX, Transunion, and XXXX. XXXX performed an investigation and resolved the issue and removed the illegal consumer reports. XXXX and Transunion failed to resolve the issue. When I contacted XXXX  and Transunion, phone representatives admitted that there had been no legitimate investigation. The phone representatives admitted that their entire investigation had consisted of asking XXXX if the information was correct and then accepting their answer without any analysis. The XXXX phone representative even admitted that he had not, and that he could not, view the documentation that I provided with my complaint. 

When speaking with XXXX and Transunion regarding their failure to properly investigate the complaint or remove the illegal consumer reports, the phone representatives refused to correct the error and instead said that the only recourse was submitting another complaint in the hopes that the next person to perform the investigation would actually do it. 

There have now been three mock investigations performed by XXXX and Transunion. To date, both credit reporting companies have refused to properly investigate the complaint or remove the illegal consumer reports. Every time I contact them, I am recited lines from the same script by phone representatives that do not understand the complaint. This process has been exceptionally frustrating.

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 2017-11-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2017, I reached out to PayPal to obtain account statements for the account I had with them that I have since closed. They informed me that there is no way to access any of my previous statements or account activity because the account is closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Received a letter from AmeriNat on XX/XX/XXXX stating there is an outstanding loan on the home from XXXX  of XXXX from XXXX on property XXXX XXXX XXXX, XXXX, MD XXXX. I have never received any communication until the date above. AmeriNat is threatening to collect ( what they called a debt ) by XX/XX/XXXX if no action is taken to pay the loan it can be taken. My mom who is deceased as of XX/XX/XXXX was informed at the time in XXXX that the loan will be paid in full if she lived in the home for 20 years.

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 2021-05-07
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Some background : I created a Venmo account in XXXX XXXX. The account had been normal before XX/XX/XXXX. I had only two activities : 1. Venmo offically paid me {$10.00} for bonus on XX/XX/XXXX. 2. I received a payment of {$770.00} from another guy on XX/XX/XXXX. All these two transaction were completed immediately, and the account showed normal. 
What happened : On XX/XX/XXXX, I suddenly received two emails. The first one said my account had been frozen and they need my ID to unfroze it. The second one said the payment of {$770.00} was reversed. Note, the payment had been finished for 4 days, this should be my money. This means they directly transferred my money to another account without my permission. I immediately uploaded a copy of my driver 's license and contacted the customer service. The representitive checked my account and told me this should involve another team and need to wait for 5-7 business days. I said they could verify my account later, but I needed to confirm my money was safe immediately. However, the representitive only said they would contact me later and left without notifying me. Then I had to contact them again. Besides inqury about my money, I also asked to file a complaint against the previous agent. The second representitive also told me I need to wait and he could not do nothing. To my understanding, such customer service we can reach only forwards the case the backend team, they don't have any authority to solve any problems. So I asked to contact people who can fix the problem directly. The representitive still told me to wait. Honestly, It is unbelievable that, as a financal company who directly hold money, the customers can not contact agents who can solve the problems directly. 
On XX/XX/XXXX, I got an email that my account had been unfrozen. But untill now, there is no one contact me about my money, even after I sent them emails multiple times ( this is their recommended way to contact ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Rent Recovery Solutions
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I ask this company to verify the debt they say i owe. I have been trying to get all negative information they have shared with everyone to damage my credit and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CBC Companies, Inc.
State: IL
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:
Pursuant 15 U.S. Code 1681 Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Remove the following from any all credit reports : 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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
A letter dated XX/XX/2018 stated my account with Capital One was closed on XX/XX/2018. 
I called Capital One and was told a letter should have been sent to you one month prior to that date. The reason it was closed because I did not use the card in over XXXX years. 
I spoke to XXXX @ XXXX XXXX XXXX XXXX ext XXXX. 
She gave me a case # XXXX. 
I read all my mail and never received any correspondence regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, My problem is with Walmart/Synchrony Store Credit  Card. 
I was promised a {$25.00} statement credit for signup. That never happened after signed up. Thats problem # 1. 

Now the credit are repeatedly assessing $ 50+ late fee every month after payments above minimum required was shown in online statement. Also, automatic payment was also setup to automatically make payments. 

The fraud of this store card is that its limited to {$100.00} credit limit. Yet they were creative in popping my balance with fees to above {$100.00} limit. 

I spoke with a manager over the phone and she's seems unwilling to help or even acknowledge the erroneous fees with a " XXXX u '' attitude over the phone. I ask them to freeze all activity while investigating it. Yet they refused and then ruin my credit report score after the phone call. This store card unit is very vicious and fraudulent. 

I respectfully seek the help of the CSFB to rectify all the problems here. 
# 1. Remove all the erroneous late fees and continued fees after call to manager. 
# 2. Remove all negative erroneous entries on my credit report after call to manager. 
# 3. Assess heavy regulatory fines on to this organization that creatively make financial problems for consumers.

# 4. Where is my statement credit for signup.

# 5. Close this card that still continue to negative financial things after talking to manager to cease and desist all these activities. 


In relative context, I have other credit cards that have limits much higher than this {$100.00} store card ( Walmart/Synchrony ). This organization 's store card is problem pit and should be fined heavily and removed from consumer markets. They got my attention and I am putting effort in fix it and tell consumers not to patronize this.

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 2021-10-21
Company: Credit Collections U.S.A., L.L.C.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company. The company received my disputes, and the latest one mailed and it was sent certified mail and signed for. It has now been over 45 days and Ive yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response.

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 2020-09-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
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, TX XXXX Dispute this Previous Address XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX Dispute this Previous Address XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX Dispute this Previous Address XXXX XXXX XXXX, XXXX, TX XXXX Dispute this 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 2021-10-21
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The 3 Credit Bureaus are reporting inaccurate information on JEFFERSON CAPITAL SYST. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
today XX/XX/20 I've wasted over 5 hours ( 2 on initial call then another over 3 unable to reach them ) trying to open a " home depot '' card thru cit-credit ( I imagine part of citibank ) ... .they left me on hold over an hour after online-application required " MORE info '' ... then rep got on phone with me & took over another hour to inquire further. 
This all for a " {$25.00} credit '' on first purchase. 
After having to pay for not one but TWO texts, they said I was approved & read me the TEMP card number & security code from back of temp card.

I read it back to this XXXX girl TWICE since she got nothing straight first time. 
GOT email stating I was approved & to electronically SIGN for it to use right away. STAYED on phone with her, she said she " saw it all going thru & active '' so I could immediately buy. 

Well NO, that was an entire lie.There is NOT only no {$25.00} credit offer TO BE honored but also card does NOT work. 

I've called back stated number XXXX for " if I have problems '' and have NOW BEEN ON HOLD OVER

3 HOURS. YES, 3 HOURS. still ON Hold & now ( 3hr. 15 min
utes ) having wasted over SIX hours of my day, am hanging up & want them to PAY for fraud & MY time. Also a credit inquiry that, as you know, impacts all our score negatively. 
please STOP these criminals right away & I will NEVER step into a HOME DEPOT IN MY life except to let others know my HORRID experience. 

please HELP stop this fraud. PLEASE!!!!!!!!!!

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 2021-10-21
Company: Experian Information Solutions Inc.
State: TN
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:
There are two bankruptcy that are being reported on all three of my credit reports. This is an invasion of privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The court gave the information to a 3rd party or XXXX took the information and sold it to the consumer reporting agencies.

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 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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