BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Didn't receive services that were advertised

Complaint:
On or about XX/XX/XXXX, I received an e-mail from TransUnion stating my credit monitoring product, that I have had with TransUnion for almost 15 years, had been cancelled. I immediately phoned TransUnion and told them that there must have been some mistake because I NEVER cancelled my product and my payment method was still valid. The TU representative told me there was nothing that could be done and I would have to subscribe again when the credit monitoring actually cancelled effective on my XX/XX/XXXX billing date. Upon re-subscription, I was told, my new price would be {$29.00} and not the {$14.00} I currently paid. 

On XX/XX/XXXX I again phoned TU and spoke to a manager. I was told there was nothing they could do to reverse the erroneous  cancellation. I would have to re-subscribe at the then current rate which would likely be much higher as I would be considered a new subscriber and not grandfathered into my old rate for long-time customers. 

After my product was actually cancelled on XX/XX/XXXX and until today I have tried to re-subscribe and TU refuses to allow me to subscribe to their credit monitoring product. I continually get asked for a " Gift Card Code '' which does not and has never existed. Without a gift card code, the system will not let my subscription application process. 

I have since tried to reach TU by telephone, but no matter what time I call they have a recording stating that their offices and customer service is closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Barclaycard refuse to lower my interest rat, causing me extreme hardship. I have requested printed statements and they refuse to send me a printed statement. I usually require assistance to go online, whereas a paper statement I can read.

BARCLAY BANK DELAWARE

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 2021-11-14
Company: Maury Cobb, Attorney at Law, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX lost a credit card dispute with XXXX XXXXXX/XX/XXXX card for {$150.00}. The XX/XX/XXXX company was trying to give me {$80.00} inXX/XX/XXXX instore credit which I have no use for. I used the XX/XX/XXXXservice for 10 days only then canceled it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Citi is requesting to verify some financial information to continue processing application. Need completed 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 2020-04-14
Company: Conduent Incorporated
State: OK
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 spent two complete days trying to reach Way2go about my Oklahoma Unemployment debit card that was sent to the wrong address. When I finally got someone on the phone, they canceled the initial card after telling me that the funds were on the account and intact. When I asked for a replacement to be sent to me, I was told I had to call the unemployment office again and ask them for help. It is nearly impossible to get through to the Oklahoma Unemployment office now days. I tired all day today with no results. I do not see why the Way2go mastercard defused to send m a replacement even after they verified my identity. 
May name is XXXX XXXX and my OK unemployment claim number is XXXX I am trying my best to resolve this issue before I get evicted from my home and lose my car. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AD ASTRA RECOVERY SERV is claiming that I owe them {$1500.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
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 do not know how someone gained my information, i saw the following accounts on my credit last month when I checked it: 

Accounts:
Credit Acceptance Corp

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Inquiries:

XXXX XXXX XXXX XXXX
XX/XX/XXXX

CREDIT ACCEPTANCE
XX/XX/XXXX

XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX


XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXX
XX/XX/XXXX

XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/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 2021-11-13
Company: Conduent Incorporated
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My complaint : The Credit Card Accountability, Responsibility, and Disclosure Act of XXXX is a federal law designed to protect credit card users from abusive lending practices by card issuers. primary goals are the reduction of unexpected disclosure On XX/XX/XXXX I check my balance of my newly activated Nevada Way2Go Unemployment Debit Card. I had a balance of {$3500.00} as I was saving for transportation. Totally unexpected the public transportation here in XXXX, Nevada XXXX - employee went on STRIKE for the second time this year! Every one was scrambling, abandon and left with no transportation home or to work! I thought wow I glade I saved my money- NO MORE RELIABLE ON PUBLIC TRANSPORTATION! I located a motorcycle I counted on cash discount sale- HOWEVER THE BALANCE WAS {$0.00}!!!! I tried every number on the card, flyers, website - none of the numbers provide allow you to talk with a live person! I went to XXXX  website- same phone number. WHAT IS " Return of Unpinned Deposit CARD ENDING XXXX Good Evening XXXX XXXX Monday, XX/XX/XXXX XXXX XXXX Claimant ID : XXXX XXXX ( XXXX ) XXXX '' IN THE MIDDLE OF A PANDEMIC AND A CITY WIDE PUBIC TRANSIT STRIKE!!! Proof I CALL XXXX, email, Fax - see attached confirmation numerous attempt to contact ANYBODY for help to get funds back or a new card, etc. No response as of today. This pandemic is NOT OVER, AND there are plenty shortage. I just need my money- Where is the disclosure! Where is the protection! The CARD Act mandates consistency and clarity in terminology and terms across credit card issuers. SO WHY ISN'T IT CLEAR HOW TO CONTACT THE CARD ISSUERS FOR CLARITY AND HELP! ITS A " BIG DECEPTIVE and ABUSIVE HARDSHIP on a RIGHT to ENJOY LIFE practices by credit card issuers! 
Cc : Governor XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Capital one XXXX)
XXXX bankXXXX
Capital okne XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
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: Their investigation did not fix an error on your report

Complaint:
I was a victim of identity theft and notified bureau and also send documentation to one creditor to verify the problem yet they say they ca n't remove the inquiries. police report was sent as well as several calls and letters in the mail over the past 8 mths

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 2017-09-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This company will not update my account for XXXX XXXX the credit report is to supposed to say paid account and have a XXXX balance l.I do n't have a balance with XXXX XXXX I paid account off and the status supposed to reflect the changes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I submitted a complaint on XX/XX/2019, with complaint ID XXXX, which indicated that Bank of America incorrectly put hard inquiries on my XXXX  credit report twice, on XX/XX/2019 and XX/XX/2019, respectively, and Bank of America also incorrectly reported to XXXX a credit card account that starts with XXXX which is not mine. 

After the submission, I received one letter from Bank of America saying that they request XXXX to remove the inquiries on XX/XX/2019 and XX/XX/2019. However, only the inquiry on XX/XX/XXXX has been removed. The inquiry on XX/XX/XXXX is still on my credit report. 

Another letter from Bank of America says that their review determined that they " accurately reported to the consumer credit reporting agencies '' and considered my dispute resolved. It further states that my file may have been combined with the file of someone with a similar name and I need to contact the reporting agency directly to resolve the matter. 

Since the complaint was also submitted to XXXX, they had already opened a dispute on the account that starts with XXXX. On XX/XX/XXXX, I was notified that the dispute results are ready and their reinvestigation concludes that this account should remain on my report, because " The company ( presumably, Bank of America ) that reported the information has certified to XXXX  that the information is accurate. '' To summarize, after a month of investigation and processing by both Bank of America and XXXX, only one of the two erroneous inquiries was removed and someone else 's credit card account is still on my credit report because Bank of America determined that they reported accurately and XXXX takes their words for 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 non-monetary relief
Consumer complaint received 2021-03-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
As of XX/XX/XXXX I opened an account with Synchrony Bank on a multi-year split payment contract assuring even payments, no fees, and no-interest assuming no late payments. After assessing late fees I corresponded with a representative on XX/XX/XXXX regarding my balance and fees and was advised that making my initially assigned payment ( per contract ) fees would be dropped and my monthly balance would return to as written on contract. Afterwards, my account was never properly adjusted and I continued to receive late payment statements. On XX/XX/XXXX I spoke with a representative XXXX who informed me I had been misinformed and assured me an internal investigation would be opened regarding the representative who handled my account on XX/XX/XXXX, and should they find I was misinformed their " back offices '' would adjust my account as balanced. After receiving no correspondence, I contacted Synchrony on my payment due date to make my payment and discuss my investigation. I was informed on XX/XX/XXXX by XXXX that my investigation was concluded on XX/XX/XXXX and they had found that the representative I spoke with had not misinformed me despite XXXX 's assessment.

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 2016-01-14
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
This company is reporting false information to the credit reporting bureaus spreading libel and slander, I have no idea who this is. Please remove the false info or face FCRA violation law suit in XXXX XXXX Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Creditor by the name XXXX XXXX XXXX is appearing on my personal credit report as a collection by XXXX XXXX XXXX. Account # XXXX date opened XXXX XXXX XXXX  in the amount of {$500.00}. This information is inaccurate and is a result of identity theft. I have attached FTC Fraud affidavit as support. I request this information be blocked, suppressed and removed from my personal credit report as a result.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Between XXXX XXXX I filed for Unemployment Insurance Benefits through the California EDD website, and certified my unemployment each week. I began working in XX/XX/XXXX, and stopped filing for Unemployment Benefits. I changed addresses on XX/XX/XXXX. On XX/XX/XXXX, I received a California tax form stating Unemployment Benefits had been paid. I began looking, and found that my Unemployment Benefits were retroactively paid on XX/XX/XXXX, and a Bank of America Prepaid Visa Debit card was issued to my old address on XX/XX/XXXX with a balance of {$5300.00}. I discovered that {$5300.00} of fraudulent charges and debits had processed against the card, and only a {$15.00} balance remained. I was unaware that any payments had been issued or that a card had been issued and used. 

I immediately opened a Bank of America Prepaid Claim on XXXX XX/XX/XXXX. After several reconsiderations, Bank of America is still denying my claim. I have provided two separate Police Reports and numerous statements. I have also identified two suspects from ATM transactional photos provided by Bank of America as supporting documentation. I requested the most recent supporting documents from Bank of America, and received a package including deposit, debit, and balance statements ; everything I could get online. The package did not contain a reason for the denial of my claim, so I have nothing to argued against for reconsideration. 

Any reasonable person can associate the timelines and deduce that I was not aware payments were issued, a card had been issued, and the card had been activated and used prior to receiving the tax documents on XXXX XX/XX/XXXX. I have provided Bank of America ample documentation and evidence to pursue their investigation and agreed to cooperate and testify in any proceedings. Bank of America has no reason to deny my claim, and should immediately reimburse the {$5300.00} to my account.

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 2016-02-11
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to the hospital before I joined the XXXX, I could not afford to pay the bill. I enlisted in the XXXX and was contacted by XXXX XXXX XXXX for the hospital bill, I paid this collection company the entire amount {$1000.00}. I discovered that another collection company First Source Advantage is collecting the same debt. I have contacted them and they said it is a different bill for a different collection. I disputed with XXXX and they said I did not pay this debt. 
I did some research and found that the hospital I went to XXXX XXXX XXXX was purchased the same month my debt went into collection by the TN XXXX XXXX XXXX which was XXXX 2013. I paid the collection from the TN regional health system but the collection from XXXX XXXX XXXX which is First Source Advantage will not accept this explanation and says they are XXXX different hospitals. I look online today and they have the same address, phone and website for TN XXXX XXXX XXXX. 
Please help me get the collection removed from my report. Please let me know if you need any other information..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 There was a unaurothroized transaction on my paypal account in the amount of {$10.00}. 
Paypal allowed this transaction without my Arthurization. 

I called paypal to dispute the charge. 
Paypal gave me provisional credit then took my {$10.00} back. 

I then requested for paypal to send me another paypal business debit card on XX/XX/2020. 

Paypal said they have sent the card by mail of which I have not received yet and paypal has been lying to be about mailing out my paypal business debit card. 

This month XXXX Paypal sends me a email stating that they need to verify my home address of which my home address has been verified since XX/XX/2020. 

I have money in my paypal account and paypal will not release my money to be by check nor let me add my new bank account on their website. 

Paypal has locked my money away from me and I am severely upset with paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Creditor by the name XXXX XXXX XXXX is appearing on my personal credit report as a collection by XXXX XXXX XXXX. Account # XXXX date opened XXXX XXXX XXXX in the amount of {$500.00}. This information is inaccurate and is a result of identity theft. I have attached FTC Fraud affidavit as support. I request this information be blocked, suppressed and removed from my personal credit report as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
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: Account status incorrect

Complaint:
I recently got a credit report from XXXX Credit bureau. On the account it mentions an account that I allegedly had with XXXX XXXX XXXX and the account number for that account is XXXX. On the XXXX credit report it states that the XXXX XXXX XXXX account was paid in full and that the last payment was made on XX/XX/XXXX and XXXX is providing this information based on a dispute that I filed. So, if the last payment was made on XX/XX/XXXX and the account is paid in full then this account can not be a charged off account. Transunion and XXXX have different payment dates for this same account. How can it be that the three credit bureaus have different information on the same account and they are getting the information from the same source which is the creditor. I have submitted a copy of my most recent XXXX Credit Report and circled the payment date and the account status on the credit report. 
The XXXX  XXXX XXXX account that is reporting on my credit report is inaccurate and should be deleted immediately. From XXXX XXXX I have been asking the credit bureau for there method of verification as it pertains to this account but all I have gotten are letters stating that the account is been reported accurately on my credit report but no method of verification and this is a clear FCRA violations.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
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:
My credit balance was reduced from XXXX dollars to XXXX dollars without notice. This has dropped by credit score. I reached out to the company in order to reverse this and they told me they will not be able to do it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief