BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Exeprian refuses and and has failed to properly investigate review and responf to information provided by me and XXXX XXXX XXXX XXXX regarding wrong information being reported on their DATA BASE. PLease review letters from the XXXX XXXX XXXX XXXX which clearly indicates the Experian Failure to properly respond to their communications and my certified letters and calls and uploads.

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 2017-11-16
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:
Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies XXXX, XXXX , & TransUnion. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters below. I am not a credit repair company. 
Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. 
The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. 

Sincerely 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 2020-07-07
Company: BARCLAYS BANK DELAWARE
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 information incorrect

Complaint:
Barclay 's Bank reported 30 day late in XXXX. I was not late. I contacted them and they refused to remove it. They also didn't acknowledge my error within 5 days.

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 2018-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My credit report ran on 3 credit bureaus while they said it will be only one bureau and soft check. They ran for a used vehicle which is not even available and I lost 11 credit points for a useless cause. They don't even have other vehicles and tried to sell a very expensive SUV to me. The finance manager did not answer my inquiry properly and was very rude.with his unpleasant behavior I was shocked. He just told me I can do whatever I can. This is happened at XXXX XXXX at XXXX, XXXX, FL.

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 2020-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
This is about my Walmart mastercard. When capital one took over the walmart mastercard for  XXXX, I went and set up my online access so I can continue to pay my card online. This was in XXXX of XXXX ... ..I had made some purchases on this card around that time ... so then in XXXX I tried to access my account to see what my balance was and to set up my auto payment I could not access my account. I called Capital One and they required me to send documents to verify my identity through a link they sent me through email ... So I did, I sent a photo of my SS, my passport, drivers license, and military ID. I even updated my phone number with them. No phone call from them at all. After a month I tried to access my account online and same thing, I couldn't. I called them again and they said that I had to send my documents again through the same process and so I did again ... .waited for a phone call again ... .nothing ... I called them again and I was told that they are still looking into it ... but they expected me to still pay for my account and yet I can not see or access my account. I have called them numerous times and was told that I have to wait ... So today XX/XX/XXXX I called again because they never called me or sent anything through mail, just a reminder that my bill is overdue, when I called today they said my account will remain RESTRICTED because my documents weren't good and they won't require any more documents from me but I still can pay for my balance ... .CAPITAL ONE has the worse customer service I have ever encountered ... XXXX did require me to send documents through the same process but because they said it was not clear they required me to sent through mail copies of my ID 's ... .and within a month when I called they said I was cleared ... Capital One never called or even tried to work with me in getting my account verified ... ..Why couldn't they check with XXXX  about my account? ... I had autopay with XXXX and my account was paid on time ... I was trying to work on my credit after falling on hard times and now Capital One has messed up my credit score ... I refuse to pay over phone ... I want to see what I am paying and I want my Walmart credit card back ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Experian Information Solutions Inc.
State: MN
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:
This is about the three major credit agencies and the errors I can not get fixed. 

On XX/XX/XXXX I closed my XXXX cell phone account after repeated and egregious fraudulent charges went unaddressed. I opened an account with another service. My bill was paid. Their bills continued to accrue even though I not only no longer had service with them, AND had been billed for and paid charges for months in advance, AND confirmed that I owed nothing online with a chat rep and downloaded a document which Ill include, yet they continue to report a delinquent account on all three credit bureaus : Experian, XXXX and XXXX. 

Ive tried correcting this with those agencies but they either have online forms that are hosted on sites that break down, or they seem to do nothing. 

In addition, all three agencies are listing hard inquiries, some twice, on the same datesXX/XX/XXXXXX/XX/XXXXand XX/XX/XXXX when I applied for a car loan online and then with XXXX not knowing single applications would go to multiple banks : XXXX XXXX XX/XX/ Consumer portfolio XX/XX/ and again XXXX XXXX XX/XX/18 XXXX XX/XX/18 Among others. 

Also, they all list me as having no credit history yet I paid XXXX XXXX XXXX for three years on time. When they sold it to XXXX XXXX they also list me as current. 

Addresses are wrong, places Ive never heard of are listed as former homes.

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 2018-11-19
Company: Experian Information Solutions Inc.
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2018 I received a credit monitoring alert from Experian Information Solutions Inc. that a student loan from XXXX XXXX/XXXX  was entered on the credit report as new account numbers in collection. There has been no debt validation or verification, XXXX/XXXX  violated the Fair Debt Collection Practices Act when their collection agents called my phone after asking them to stop. A complaint was filed with the CT Dept of Banking in regard the telephone harassment. 

It is illegal to report old time barred accounts and re-age the date of fist delinquency on disputed accounts. Experian has violated the 1681 of the FCRA, and provisions of the FDCPA by failing to follow reasonable procedures in cases of disputed accuracy, including engaging in unfair deceptive credit reporting and debt collection practices with XXXX XXXX a division of XXXX. 

It is illegal to design compile and report credit information from disputed accounts in an attempt to re-age or change or alter account related history, including payments or other data not reflected in the account history. Experian is harassing and staking consumer. Consumer will contact the Sheriffs office and serve Experian a writ. If this consumer complaint is not resolved in full satisfaction of FCRA compliance standards set forth by the consumer credit industry. Consumer will file in state of federal court for willful violations of the FCRA and FDCPA in full force permitted by state and federal consumer protection laws including attorneys fees. 


XXXX/XXXX XXXX a division of XXXX can not collect on this student loan because it exceeded the terms and conditions on the original contract agreement. There is neither an assignment clause that permits any other " servicer '' or collection agency to collect on behalf of private student loan lenders. Private student loans have specific guidelines to follow and are subject to CFPB rules and specific federal laws pertaining to collection and credit reporting ( FCRA ) compliance procedures.

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 2018-11-19
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
I have made several attempts to view my Equifax report. I keep getting denied and no explanation why. I requested a copy for my yearly free credit report, and again today based on some recent credit denials. I was denied a second time today with no explanation or clear way explained to request them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: SYNCHRONY FINANCIAL
State: NC
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:
In XXXX I opened an account with Synchrony Bank to finance flooring for my home through XXXX XXXX. I signed up for a 12 month interest free promotion. I paid the account off in XX/XX/XXXX, prior to the interest being due and on XX/XX/XXXX I received an email stating that I have a XXXX balance. I never used the card again and I was even issued a refund in the amount of {$47.00} for overpayment, which is expected since I paid more than the balance on the statement to avoid any interest. 
After a couple of months I started to get phone calls from Synchrony Bank stating that I have a balance outstanding in the amount of {$47.00}. I spoke to several representatives over the course of almost a year and I had lengthy conversations along with lengthy wait times while the representatives tried to figure out what the problem was. I received a number of excuses, none of which made any sense and when I asked for my issue to be escalated I never received a call back. Now this {$47.00} erroneous charge has resulted in an over {$200.00} charge and erroneous late payments on my credit report. I disputed the late charges with the credit bureau and Synchrony still refused to correct their error and update my credit history. 
As I have explained to the representatives if I owed this amount I would have no problem paying it, just as I have paid them over {$4000.00} for my flooring over the past year. But no one could even tell me where the charge came from or why they would issue me a refund check in the same amount that they are telling me that I owe. Was the refund check a scam to get me to initiate new credit with them? Or was this Synchrony 's way of making me pay additional since I got an interest free credit card, per their promotion? I need some answers and most importantly I need my credit report corrected since I pay Synchrony and all of my other creditors on time.

To add more insult to injury, Synchrony has sent this account to a collection agency which will further harm my credit standing for their error. 
I have documentation that I would like to attach to this complaint if possible. 
Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-19
Company: Experian Information Solutions 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:
Experian and XXXX  both have received multiple disputes from me since XX/XX/2018 regarding two derogatory accounts, one is XXXX   and the other XXXX XXXX.these accounts were disputed because of identity theft and the reason i want it removed obviously.XXXX XXXX collection agency was the first to remove their account from reporting.i attached a document that shows the resolution of that complaint i filed through customer financial protection bureau. Experian hasnt been through in my opinion regarding XXXX, being i have been clear on what it is im disputing but instead of fixing incorrect information, the outcome is either more incorrect than before or unchanged at all. I feel that something isn't quite right so i asked for the full reports of how the investigations were conducted but i have not received those reports from neither fingerhut or experian and XXXX. Unfortunately i have family members who has lost their homes from from the campfire disaster in northern California that barely missed my home and i can't even apply for credit with collection accounts on my report that shouldnt be on it.i want to be able to help my family get through this and make repairs to a second house i own so it can be used. I feel my disputes are not properly handled and little effort to fix them.i pray exerian XXXX  and XXXX recognizes the urgency in fixing these errors.

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 2019-05-22
Company: Central Portfolio Control Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call from XXXX from Central Portfolio Central on Monday, XX/XX/2019 at XXXX and he left me a voice message on my work voice message. I promptly returned the call at XXXX to XXXX / XXXX and spoke with XXXX . XXXX stated their was a {$26000.00} judgement against me and I advised I do not know anything about it. I never received communication regarding the debt or was notifed of a court date. I do not have any past due debt that I'm aware of. I advised XXXX not to call my work number again and he smartly stated I said that three times already and started to laugh. He went on to say they will garnish my wages. I ended the call since I was at work. I called back today to XXXX and left voice message to send me a copy of the judgement against me to my email account. I will fight this judgement since I didn't get a fair chance to attend the court date. This was my very first communication regarding this matter. This is not right, they shouldn't be able to scare you over the phone when you are in the dark and clueless what they are talking about, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Synovus Bank
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion has allowed an account to be put back on my credit report without verifying the account and not informing me. The account was removed XX/XX/2018, because the account isn't mine and couldn't be verified. The account was put back XX/XX/2018 under a new company and account number, but same amount and original creditor. I have attached the old and new information with this dispute.

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 2018-09-11
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: Old information reappears or never goes away

Complaint:
In XX/XX/2018 I wrote to XXXX, XXXX and Equifax including some collection agencies that were on my credit report. In XX/XX/2018 I also submitted a complaint through the CFPB portal about some issues I was having with these bureaus and agencies. I however had gotten responses from the bureaus and these negatives that were impacting my credit report and scores were resolved and taken off my report. 
I was in the shock to see one of those negatives that were taken off my credit report reappearing on my report in XX/XX/2018 which is about 4 months after all this was cleared up. 
I am now seeing a reappearance of a collection on XXXX And Equifax in the name of a XXXX XXXX with an amount of {$620.00} and account # XXXX. I can not understand the return of this figure on my credit report with a totally different name that I am not aware of. 
I would like this inaccuracy to be cleared up and removed from my report as the negative report affected my credit scores dramatically and I would like to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: URS Holding, LLC
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018, at the suggestion of the agent for XXXX, a XXXX of XXXX XXXX, I sent via email ( address given by him ) a detailed letter and revised 'RIE ' form, attached here. 

After some weeks, I got a call from XXXX XXXX of that firm which I returned the next day. 

He was belligerent and interrupted me when I told him that the figure his QC 'people ' had arrived at was neither reasonable or affordable ; he refused to give me anything in writing at which point I terminated the call. 

He has violated their own Manual, attached ; furthermore, XXXX XXXX own materials speak of 'monthly payments as low as {$5.00} .... ', a category that suits my disclosed income and expenses. As importantly, when I pointed out that no one had requested me to document each item -- which I then and now am prepared to do -- he demurred, simply repeating that his 'supervisor would tell me the same thing ' -- i.e., that I had to pay $ XXXX  monthly vs. the {$99.00} he had previously quoted on a then current RIE form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am a federally protected consumer and CAPITAL ONE has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was unexpectedly charged a {$25.00} " maintenance fee '' the account was maintained for over 5 year at similar balance levels and i was not charged a fee. 

The a bank uses a system of hidden and misleading fees.

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