BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
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:
On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy - No Asset, on XX/XX/XXXX that case was discharged. Included in that filing were two accounts. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection/Charge Off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection/Charge Off Both of these should be showing zero balances ( they're not ) and should have note that they were discharged in Chapter XXXX bankruptcy. I provided Transunion with a copy of my Chapter XXXX BK discharge paperwork showing it was No Asset BK and that it was fully discharged. 

Transunion answered my request to update this information with the following : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 

Clearly it isn't correct and Transunion is NOT verifying and correcting anything, despite being given proof that my BK has been discharged. 

Additionally I had a card with XXXX XXXX XXXX  that was opened on XX/XX/XXXX and included in bankruptcy. They are still showing my balance as {$6400.00} when it should be zeros across the board. 

Transunion seems very uninterested in helping consumers fix their credit reports as appropriate. This has caused me MAJOR issues when attempting to gain access to credit to build my score/report back up.

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 2019-08-13
Company: EQUIFAX, 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:
This company ran unauthorized credit inquiry on my credit report.This is suspicious to me and so kindly delete asap : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I reached out to Chase Bank about their actions of sharing my non public personal information with others is a inconvenience and has hindered me from obtaining more credit. I sent an letter to Chase Bank about their actions and no change of actions have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Signed to Help my daughter get funds for an, elective, XXXX. Was not told I was primary. Thought I  was co-signor. Was never told there was a problem until I received a call from a collection agency. They told me I owed {$13.00} dollars. I had asked the bank to be notified if my daughter missed a payment. That was in XX/XX/2019. The next notice I get was XX/XX/2019 from the collection agency. I tried calling the bank, Synchrony, they refused to give me any information. Not disputing the money is owed, just trying to find out why I was left in the dark.

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 2017-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hard inquiry against my credit report exists, without my knowledge, and consent by XXXX XXXX, on XXXX/XXXX/XXXX, which I dispute and would want to be removed

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 2019-08-13
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I received a US Direct Express card and it was an over payment from the government and wanted this money returned to the government ; however, when I went to retrieve this money I couldn't use this card. By some strange incident I received a text stating that my card would arrive the next business day, Tuesday XX/XX/2019 via XXXX to XXXX, FL, which it was delivered there and left by the driver on the front porch as noted in my text from tracking the card,, but I live in XXXX, FL??? I immediately called Direct Express who cancelled that card and sent me out another one, yet the card I received is again saying this is an invalid number. Although this has happened before and I called Social Security and reported that someone was attempting to impersonate me and take my money, my sister made some changes to identify me, but when I called I was told that no changes had been made. I believe that there is some inside fraudulent going on at Direct Express, to help others that maybe experiencing this same ordeal and not receiving their money. I have changed my account to a bank so I'm no longer affected by this, I just want it on record that I was trying to return the XXXX back to the government and someone inside Direct Express is bent on getting this money and probably a lot of others ' money also and having Social Security replace this money as they told me they would do, if I didn't receive my money, which I did ; however I and was hoping to return the money that the government put on the card, hopefully you all can get to the bottom of this scam that is going on inside Direct Express ( the card number I will provide is the one that was sent to me but it says it's not valid )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: EQUIFAX, INC.
State: NV
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:
The following companies ran unauthorized credit report on me, XXXX, XXXX, XXXX XXXX XXXX I have never given permission for them to inquire my credit status, please remove it from my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I bought two small laptops for my XXXX for XXXX gifts, they never would work. I returned them to a third party company that sold through XXXX. They would not even answer my emails. So I refused to pay XXXX, because they were charged to my card. XXXX wouldnt even get involved. They closed my account and sold the debt to a debt collection company.ive done everything I know to do. Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: MoneyLion Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened my account with Moneylion to set up direct deposit and take advantage of their pave the wage promotion. It required direct deposit within the month of XXXX which was made by my employer. Moneylion 's system does not differentiate between an ACH credit/transfer and a payroll deposit which caused their system not to recognize my direct deposits for 3 months now. They also offer a service called instacash where with payroll deposit you can get a payday advance of {$250.00} as long as your payroll deposits are {$250.00} or more. I have not been able to take advantage of this feature due to this issue and this is unfair as other customers have. Because of all the issues they are having they have removed this feature within the last 30 days to correct and relaunch. I have chatted when that was an available option, emailed and spoken to their agents over the phone for over 2 weeks with no resolution. I am also unable to contact my financial institution immediately in the event of fraud or lost/stolen cards. I submitted that as a problem as well two weeks ago with zero resolution. I spoke with XXXX in the complaints department ticket XXXX and sent screenshots showing I had no option to report my card lost/stolen immediately. On XX/XX/15 there was an issue with debit cards and they do not have an instant transfer option so I was unable to withdraw funds or transfer them to my XXXX account in order to avoid overdraft charges and Moneylion is unwilling to refund those fees they caused. The only option was ACH transfer which they claim is 1-2 business days. With any issue on my account I have to submit a help ticket and wait 48 hours for a response only to have to set up a callback for the next day. They have escalated my issue multiple times with zero resolution. I transferred funds again on Friday and they were not placed in my account until today. I am very displeased with the lack of service provided by this financial institution. I also am unable to see my statements online due to an error in the app and there is no running balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-13
Company: MoneyLion Inc.
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I used the MoneyLion app to transfer {$270.00} from my MoneyLion Investment account to my MoneyLion Checking account. At all other banks that I use, this transfer would be instant. However after waiting 8 business days, I called MoneyLion on XX/XX/XXXX and they said it was a " known issue '' and that it would be soon rectified. 

Today is XX/XX/2012 business days since the transfer was initiated, and the {$270.00} is still not in my checking account or my investment account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions 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:
On XX/XX/2020 and XX/XX/2020 I sent letters to Experian to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.

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 2020-05-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
SYNCB/XXXX  Has reported on an old account from XX/XX/2014 that they charged off {$48000.00} on my account when Im fact they sold the asset and collected almost {$32000.00} and tried to collect the {$16000.00} from me. The account is reflected fraudulently on multiple credit reporting agencies and I have tried to dispute and get it corrected. 

They have since charged off the {$16000.00} but show it still to be currently open and they consistently update it affecting my credit rating when every other account I have had both prior to and since this is in exceptional standing.

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 2020-05-24
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: Account status incorrect

Complaint:
Inaccurate accounts, inaccurate original open date.

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 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have made multiple attempts to receive my credit report from Transunion to no avail. They continue to generate error messages. I made an attempt on XX/XX/XXXX, and received no resolution until I purchased their monthly XXXX $ services. Note all I was looking at the time is my free credit report from annual credit report website which Transunion is supposed to provide, but they would not release it - would only release error messages and were not helpful through any of the communication channels. I am once again attempting to get my free credit report from annual credit report, and once again Transunion is generating error messages. They are not responding to any form of communication. 

Additionally, I am noticing my score drop significantly ( on XXXX  ) due to reported missed payments from XXXX. XXXX has notified me that they have not reported since XXXX, and I have no way to dispute the information that Transunion is reporting due to their dispute center not working, their credit report not loading, and their phone systems being a dead end.

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 2020-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There is an account reporting on my credit report that I have no knowledge of. I contacted Capital One to verify the account information, but they said they have nothing on file. I gave them the account number reflected on the credit report starting with the numbers XXXX and ending in XXXX which they said they have no record of the account. Then I asked them to run my social security number and they told me that they did not have any accounts attached to my social security number. So they are unable to verify this account but yet they are reporting to the credit bureau. I believe this is a fraudulent account and I would like help getting this resolved. 

sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25
Company: BBVA FINANCIAL CORPORATION
State: CO
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:
BBVA VISA credit card assessed late fees after pulling auto pay offline with no notice to consumers. XX/XX/XXXX late fee of {$14.00} then XX/XX/XXXX additional late fee of {$28.00}. 
XX/XX/XXXX an adjustment of {$28.00} which did not refund interest accrued on all late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-21
Company: Synovus Bank
State: LA
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 mailed a dispute to the company this summer to dispute a charge. I was mailed a letter on XXXX XXXX, 2017 asking that I call about my request. I have called numerous times about my dispute this time. Each time I have called. I have been told that the company. Has no record of the letter being sent. Or any record of a dispute ever being received. I recently found the letter that I was sent. As verification that it was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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:
Errors and inaccurate information on my credit report I sent in letters to correct and remove inaccurate information but they still reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I 've been struggling for years to repay my loans at 13 and 11 percent interest rates. I 'm 60k plus in debt. The customer service reps wo n't tell me what enitites hold my loans, and due to the exorbitant costs of my interest rates, I ca n't touch my principal. They offer scant info on refinancing and my credit suffers as I try to make ends meet. The best way I can describe Navient 's tactics is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out several times disputing this late payment that is reporting for the month XXXX XXXX on my credit report ... 

I informed the rep my mail was being returned due to them sending the mail to the physical address instead of the PO BOX ... 

I was told on several occasions it takes 30-60 days to see the change corrected - removed ; however, it was never done.. 

Now each time I call they state that it will take an additional 30 days but it still has not been updated and here it is a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
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:
I received a letter from XXXX XXXX dated XX/XX/2017 and less then 1 week a collection was placed in my credit reporr in a clear violation of the FDCRA but the worst part is that XXXX amd EQUIFAX allowed XXXX XXXX to place an incaccurate account open in a lapse of time I was not living in the address and obviously opened using my identity. 
The date show XX/XX/2017 and during that period i was in a shelter for over 1 year since XX/XX/2017 as shown in a residency letter. 
The account number is XXXX as appear in the collection letter for XXXX with XXXX as original creditor. 
XXXX AND EQUIFAX violate the FCRA by allowed the collector to place imaccurate and false infornation in my credit report without any supporr or verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XX/XX/XXXX REFUSES TO INVESTIGATE AND REMOVE XXXX XXXX XXXX AND XXXX XXXX FROM MY CREDIT REPORT. THIS COMPANY IS GIVING CFPB XXXX THAT I AM NOT A REAL PERSON AND REFUSIING TO ACCEPT VALID STATE ID SENT TO THEM VIA THIS COMPLAINT TO PROVE MY IDENTITY TO INVESTIGATE AND REMOVE XXXX AND XXXX. I DO NOT ACCEPT THIS COMPANIES RESPONSE.THEY DID NOT INVESTIGATE XXXX XXXX XXXX XXXX OR XXXX XXXX AT ALL AND DID NOT SEND ME AN UPDATED COPY OF MY CREDIT REPORT. IN ADDITION IM A VICTIM OF FRAUD. THIS COMPANY IS LYING AND NOT PRODUCING DOCUMENTS UNDER FCRA SECTION XXXX WITH MY SIGNATURE TO PROVE ALL THESE FRAUDULANT DEBTS, WHICH THEY ARE NOT VALID. XXXX CAN NOT PROVE THIS DEBT IS VALID AND IS VIOLATING LAWSW BY NOT INVETIGATING MY COMPLAINTS. XXXX XXXX AND XXXX ARE REMOVED FROM MY CREDIT REPORT. THEY ARE NOT VALID OR LEGAL DEBTS -THEY ARE FRAUD AND WILL BE REMOVED FROM MY CREDIT REPORT.I WILL SUE THIS COMPANY-XXXX-I HAVE REPORTED YOU TO THREE STATE ATTORNEY GENERALS FOR FRAUD AND ILLEGAL ACTIVITY, NOT FOLLOWING FCRA. IN ADDITION THIS COMPANY IS REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON XXXX FOR FREE THROUGH XXXX WHICH IS ILLEGAL. REMOVE THESE ITEMS NOW OR BE SUED FOR MILLIONS OF DOLLARS AND PROSECUTED BY THREE STATE ATTORNEY GENERTALS OFFICES!! 

REMOVE XXXX XXXX XXXX AND XXXX XXXX FROM MY CREDIT REPORTS, OR I WILL KEEP FILING COMPLAINTS AND LAWSUITS UNTIL YOU DO!! THESE ARE FRAUD AND XX/XX/XXXXTRANSUNION AND XX/XX/XXXX DID NOT AND CAN NOT PROVE THIS ARE LEGITIMATE DEBTS. THEY ARE ALL VIOLATING FEDERAL AND STATE LAW AND HEADED TOWARDS MILLION OF DOLLARS IN LAWSUITS BY ME. IVE REPORTED XXXX TO THE DC AND CALIFORNIA ATTORNEY EGNERAL WHERE YOU ARE HEADQUARTERED. THESE COMPANIES HATE OUR NATIONS VETERANS AND WOUNDED WARRIORS AND DISCRIMINATE AGAINST XXXX PEOPLE, XXXX PEOPLE, AND XXXX VETERANS!!! DO NOT SEND THE ATTACHED DOCUMENTS TO XXXX AND XXXX THEY ARE FOR XX/XX/XXXX IN PROVING MY IDENTITY.

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 2017-12-21
Company: BARCLAYS BANK DELAWARE
State: RI
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:
XX/XX/2017 XXXX XXXX is blocking access to my account from a company I authorized to be able to do so / blocking me from enabling external applications.

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