BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2017-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
there are 2 disputes on my credit card and both items and orders where canceled on one dispute the XXXX was rightly charged the merchant refunded my money, but captial one has kept that XXXX  on my account refusing to remove it and charging me interest.
on the second one i was charged XXXX rightfully. the item was defective, and i work endlessly to get the merchant to send me a return label and they never would so i filed my dispute. so the XXXX was on my account then capital one took it off XXXX. they sided with the merchant even though i could not get the merchant to corporate with me about returning the item so it sets by my door for 2 or 3 weeks, and capital one places the XXXX back on my account. and even though i used there upload link to upload the information they requested. other than a reason why the merchant would not return my funds from another merchant. other merchant is not gon na get involved in my problem. anyway a few days later the merchant sends me a return label through XXXX and XXXX picks the item up, next i upload everything to capital one and they are sending me letters that i still own all of this money even though orders were canceled or either returned once the merchant sent me the return label.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: General Motors Financial Company, 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:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: SYNCHRONY FINANCIAL
State: OH
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:
In accordance with the Fair Credit Reporting Act, this creditor, Synchrony Bank Care Credit, has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 604 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b a creditor may not treat a payment on a credit card account under an open end consumer account credit plan as late for any purpose

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 2017-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Time after time, BOA will hold checks and payments and wait until the moment my direct deposit has gone in. I am over it, there is no reason I should 've had a fee, when there WAS enough funds to cover the check. They also have a fake story of " rolling fee reversal '', but can not give me dates, or times. They also are are supoosed to have a 24 hour time frame to fix an account with a negative balance ( per their handbook ), though do not follow their own guidelines.

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 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have notified Trans Union and XXXX XXXX bank via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated XX/XX/XXXX & XX/XX/XXXX. I have not gotten any responses from XXXX XXXX bank or Trans Union.

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 2022-07-08
Company: HCFS Healthcare Financial Services of TeamHealth
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:
In accordance to the Fair Credit Report Act XXXX XXXX ; Account Resolutions ; XXXXXXXX XXXX XXXX ; US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXXXXXX, XXXX ; XXXX XXXX  ; XXXX. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address

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 2020-04-23
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: Information belongs to someone else

Complaint:
I did Not Give Anyone Consent to Open any account All of these Account Is Fraud. this is crazy that someone Stole my Identity. how did they do this I don't know but this Needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: SYNCHRONY FINANCIAL
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: Was not notified of investigation status or results

Complaint:
I have sent letters out multiple times and nothing has been done to address my issues. 
I have not received any correspondence from the bureaus.

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 2018-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My XX/XX/2017 payment to Capital One was not able to be made due to the online system being unavailable. Aprox 24 hours before the payment date I attempted to login into the online system where I was going to pay my bill from and received the message that the system was temporarily unavailable to login and received the same message the day after. I called capital One to make one of the representatives aware of the situation but they seemed very unhelpful and I was finally able to pay my bill on the telephone and they told me they were making note of the fact about the login problem but never had any correspondence of any kind back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
After communicating with XXXX XXXX from XXXX XXXX  XXXX XXXX XXXX XXXX team XXXX days later. He sent me over a contract with the signature that is NOT mines also the address is incorrect. This erroneous contract did not have my apartment number on the contract the debt they claim I owe. I tried telling them that multiple times to delete this invalidate dept from my credit report neither creditor or XXXX, XXXX and TransUnion failed to comply. I wanted this account deleted my account immediately after I realize its on my credit report in addition of these agency is in violation of 15 USC 1692g.

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 2022-01-05
Company: EQUIFAX, 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:
I do not understand why it is taking so long to get an answer from the credit bureaus about a letter I sent them on XXXX. I have been patient, but I thought it was supposed to only take 30 days. At this point, I would like for them to delete all of the accounts that I have disputed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-08-17
Company: Big Picture Loans, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I borrowed {$400.00} in the beginning of XXXX 2017 from an online payday company called Big Picture Loans. I have borrowed from them earlier this year and was able to pay off the loan quickly so I did n't have to pay high interest fees. I have made 4 payments of {$130.00} which is a total of {$520.00} on this current loan. I wanted to pay off the loan last week, it said I had a balance of {$390.00} which is ridiculous because I 've already paid {$120.00} in interest however I just wanted it paid off so I was going to pay it. When I tried to schedule the payment it said my payment would be {$480.00}!! Why would I pay almost {$100.00} more than what it said I owe?? I did n't have this problem with the first loan so I do n't know what is going on with this company. They are n't willing to work with me at all, the customer service representative claims he was helping me by saying I could skip my upcoming payment however then I would owe over {$600.00} on XX/XX/XXXX. HOW IS THAT HELPING ME?? If I want to pay it off why do I owe so much. This company is not clear on pay off amounts, the representative just said its computer generated and there is nothing he can do. I ca n't even upload the documents because the website does n't allow me to. This company should be closed, they are thieves!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: CA
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I wrote XXXX  on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: TX
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:
I submitted a letter to Equifax, XXXX  and XXXX  on XXXX XXXX to validate some items on my report. I also sent in another later demanding to comply XX/XX/XXXX. I still haven't received a update or any correspondence. I would like these items removed, since they are neglecting my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
All three credit report agency is reporting false things and its not me .Please removed things off my credit .My credit score is very low and I need this removed asap .These companies is putting information on my credit that's false.

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 2022-07-08
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
while applying for a credit card from bank of America, the girl i was talking to did not ask me for the routing number of my checking account. when i made a payment by phone of XXXX my bank would not accept the payment. after calling bank of America again and giving them my bank routing number and also my checking account number, i made a payment of XXXX i have my bank statement showing that XXXX was withdrawn from my checking account on XX/XX/18.the bank of America cash rewards credit card company keeps charging me the XXXX on my statement that is due on XX/XX/18. i spoke to a company rep. on XX/XX/18 who told me this problem was taken care of and the bill was paid. i can prove that the bill was paid and would like to have the credit card company stop sending me this bill.

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 2017-08-17
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had 2 negative credits in my XXXX from XXXX XXXX XXXX that were not mine they they were despite and deleted I got the letter in the mail X/XX/2017 from XXXX then I got a letter from XXXX XXXX XXXX XXXX XXXX. On X/XX/2017  that XXXX XXXX XXXX had sold the previously deleted accounts to pendrick capital partners who then placed it with commonwealth financial systems inc to go back on to my XXXX saying owe them money that I do not owe and again was deleted of off my XXXX. Account number XXXX for the amount of XXXX $ and account number XXXX for the amount of XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2022 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2018-06-02
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have an account with Pay Pal. They have frozen me from viewing my account due to a disputed charge.They have refused to resolve the dispute and have informed that I would have to pay to get access. 

I have made multiple attempts to do as they ask and they are not responding. I have messaged customer service and called multiple times and have been placed on hold for hours and disconnected. 

They are also not sending me statements and are continuing to draft payments from my bank account. I have no idea if payments are being posted, how they are being posted or what activity is going on on my account. I had promotional interest free purchases that I have not been allowed to review and pay there by incurring interest. 

I believe it is unfair that I am not allowed to view my account or receive statements

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