BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
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: Reporting company used your report improperly

Complaint:
I found improper use of my repot all are showing inaccurate on my report i need them deleted immediately and also need a copy of the original copy of the account send me a copy to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX asap In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right of privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a customer reporting agency can not famish an account without my written instructions

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 2016-07-09
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I paid off my Discover card on XXXX XXXX, 2016 and called them shortly after and asked them to close the account. The balance was paid in full and they closed it on XXXX XXXX, 2016. Nobody told me I should check back to see if any new charges appeared. The account was closed and I forgot about it. To me closed means CLOSED! Apparently that was n't the case though. A new charge of {$28.00} appeared on the account for what they later told me were interest charges. Around the XX/XX/XXXX I got a letter in the mail saying I owed {$120.00} on the account. I called them about it and I was livid. They had tacked on late fees and reported me for 30 and 60 days late on the account. They took the fees off and I paid the {$28.00} which had somehow magically appeared on a CLOSED account. My credit report shows absolutely NO late payments on ANY of my accounts EVER, and because of the 30 and 60 days late reported on a lousy {$28.00} charge that I was n't even aware of, Discover dragged my credit score down from XXXX to XXXX. This is not right. I called them about it after I ran my credit score and found this out, but they said they would n't remove the 30 and 60 day late reports on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Unauthorized inquiries on XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Brclysbankde XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later, I have not received a response. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) plainly states that a failure to investigate these claims within 30 days gives a reason to immediately remove those items claims from my credit report.It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation do to the stress I have been caused. My information was also impacted by XXXX data breach and may have got into the hands of the wrong person,

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 2022-10-11
Company: Penn Credit Corporation
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:
On XX/XX/2022, I sent a certified letter to Penn Credit Corporation Ref # XXXX. This cease-and-desist letter was in reference to the letter that I received from Penn Credit Corporation dated XX/XX/2022. This letter was demanding that they cease all communication on all mediums included but not limited to my consumer reports XXXX, XXXX and XXXX. 

I also sent copies of these letters to XXXX, XXXX and XXXX via certified mail letting them know that I refused to pay this alleged debt. As of XX/XX/2022, XXXX and XXXX have continued to report this inaccurate and false information. 

XXXX have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: MA
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:
A year or two ago I took out a small loan to rehab my credit. I paid it off early and credit score went down because I paid the loan off early. The credit bureau that I called said it was because paying the loan off indicated that I'm a risk because I no longer show that I make payments on time. So I got another loan to rehab my credit. All payments were made on time and I let the loan run its course so I wouldn't have the previous problem. My credit score got hit by 9 points because the loan was considered " closed " after it was paid off. So essentially I got penalized for paying a loan off early then got penalized on paying down a loan to term.

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 2023-01-05
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: ACIMA CREDIT, LLC
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ACIMA CREDIT XXXX XXXX ... XXXX, NA that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony bank calls and hangs up repeatedly everyday several times a day. I had a care credit account with them, which has since been paid off. I filed a previous complaint before because of the same tactics. Complaint # XXXX. 

Have no idea why they continue to call. I called them about 2 weeks ago and told them to close the account and purge all of my personnal information from their system, that I never wanted to hear from them again. Now the calls have started again. I need help, this company is harrassing for no reason. They have been asked to stop and purge my info. The recorded the call when I asked them to stop, I told the person that I was talking to, to make sure that management heard the recording. Obviously that did not work. What can I do now?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


Please remove this right away.

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 2021-01-06
Company: Santander Consumer USA Holdings Inc.
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
In 2015 I was placed into a car loan with a 24.99 % rate on a XXXX vehicle. leaving me to pay more than double on a car. locking subprime borrowers into auto loans it knew, in some cases, carried default rates of greater than 70 %. I was not offered any other option to finance a vehicle, I was unaware that an internal score was used to approve me and not notified. I am now upside down due to trading the vehicle in. A settlement was approved for {$200.00} that I have not received and that is not enough for the amount of the payments I made and the equity I am now in.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
RE : Cardinal Financial LPIn applying for a 30year FHA loan product the servicer deliberately delayed with processing and underwriting in and overcharged from the material GFE. The delay was blamed on inundated staff with overwhelming applications. 
reference : XXXX Approval No. XXXX LICENSE XXXX providing all the needed paperwork they were non-responsive as this is how they can justify providing multiple rate-lock extensions and have complete disregard for the binding GFE. 
XXXX ( attached ) does not reflect the origination fees supplied with the GFE. 
The GFE was charged multiple rate locks because of the lack of service provided from Cardinal Financial : XXXX the original GFE does not reflect the XXXX XXXX XXXX ) promised lender credit of {$690.00} dated XXXX/XXXX/15 when the loan was locked. XXXX attached email ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Despite of the written appeals I sent, any kind of responses was taken for granted. Thus, their action have violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. 

Here is the list of accounts that is still reporting on my Credit Reports : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XX/XX/XXXXDate Opened : XX/XX/XXXX Balance : {$700.00} XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$50.00}XX/XX/XXXXDate Opened : XX/XX/XXXX Balance : {$820.00}

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 2016-07-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent numerous police reports to Chex Systems in regards to unauthorized and fraudulent inquiries on my consumer report. The following inquiries are unauthorized and fraudulent : XXXX/ 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 2021-01-06
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called Chase Bank in XXXX about a credit line I had started on my business account because I couldn't make my credit card payments at the time and explained my financial situation, I've been in severe debt and unable to make any payments for the past few months and had an overdue amount. They told me over the phone that if I made scheduled payments of XXXX per month, I could avoid additional finance charges. I still have additional late fees and charges racking up to the tune of XXXX dollars a month. I called in and was told that I had misunderstood what the scheduled payments were for. The implication from the first call was that this was the minimum to avoid additional charges, and it isn't very clear to me why they would schedule these miniscule payments at all if this was the case. Now I'm going to have to struggle to pay off the overdue amount to avoid additional charges and have to pay another month of interest on that amount. I feel really deceived, patronized and confused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11
Company: EQUIFAX, 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:
On XX/XX/2022, I sent a certified letter to XXXX XXXX XXXX Ref # XXXX. This cease-and-desist letter was in reference to the letter that I received from XXXX XXXX XXXX dated XX/XX/2022. This letter was demanding that they cease all communication on all mediums included but not limited to my consumer reports XXXX, XXXX and Equifax. 

I also sent copies of these letters to XXXX, XXXX and Equifax via certified mail letting them know that I refused to pay this alleged debt. As of XX/XX/2022, XXXX and Equifax have continued to report this inaccurate and false information. 

Equifax have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I was informed that Trans Union had information on my credit report deleted. This information was inquiries. As to date, these inquiries are listed, therefore, Trans Union had this information re-listed on my credit report without any contact information to myself. This is a violation and, in return, these inquiries should be deleted off of my credit report on Trans Unions behalf. 

In accordance to these standards of the Fair Credit Reporting Act, Trans Union violated these standards and in effort, should have those such inquiries removed. 

Under the Fair Credit Reporting Act, Section 611, ( A ) ( 5 ) ( B ) : Requirements Relating to Reinsertion of Previously Deleted Material : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

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
Consumer complaint received 2022-10-11
Company: Albert Corporation
State: CA
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 had an authorization hold returned to my card my a merchant. It never showed up on my card. I called the merchant ( XXXX XXXX ) who gave me the date ( XX/XX/XXXX ) and authorization number for the release but, XXXX its saying they did not receive it. XXXX asked if XXXX could call them or I conference call with XXXX on the line to get it resolved but, XXXX is refusing. They will not speak to me in the phone or XXXX XXXX. XXXX will provide proof to XXXX but can not send to customer but, XXXX refuses. I am now out of {$300.00} that was sent to XXXX. XXXX knows XXXX will only provide proof to them and, not the customer so, they told me to prove it myself or I dont get my money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 feel so stress about my credit report. I've sent disputes last XX/XX/2020 regarding to those unknown and inaccurate accounts on my credit report but it's 90 days now but there's no response yet. I demand to immediately DELETE those accounts or I will file a litigation.

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 2021-01-06
Company: Experian Information Solutions Inc.
State: MD
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:
Hello, XXXX XXXX XXXX has continues to report to all three credit bureaus inaccurate information. Such as Balance, the account is listed as a charge off but XXXX XXXX XXXX reports the account late every month as a charge of for the last 14 months. Ive disputed this account several times to the credit bureaus an XXXX XXXX with factual information copies an all. Im asking that this be removed from my credit. Again, its been 14 months. Thanks for taking time to read my complaint.

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 2017-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
VICTIM OF INQUIRY ADD ON OF TRANSUNION. 
AND WOULD NOT REMOVE IT

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