BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 spoke over the over phone with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and with their XXXX XXXX XXXX XXXX  named XXXX XXXX XXXX, because no matter I did not authorized the credit inquiry at their XXXX XXXX website, no matter I never clicked the submit application button, and closed the web page, the XXXX XXXX website submits the application in a potential client started to fill their online application as I did, no matter like in my case, I never clicked the accept they can make a credit inquiry box, or much less submitted the application by clicking the final submit. XXXX XXXX informed she will submit the claim where this is going to be explained just as I told her over the phone, because I was sure that if the final submit is not done by a potential customer and the boxauthorizing the inquiry was not selected either, if the web page is closed, there was no way the application can be submitted but that is not the case, this is one more thing against online transactions. The asistant manager XXXX XXXX said my claim is handled by a different department and that they will call me tomorrow, or if not, I have to call them. 
No matter her over the phone explanations, I found this online procedure incorrect, unfair, and there is no justification to make a hard inquiry if the customer decides not to submit the application and closed the web page. Also, the assistant manage said clearly this is on the hands of other department, without giving any time frame to solve this. Is a practice that has to be eliminated by any financial institution, There is no justification, no matter the client started to fill the application as I did, if any potential customer decides not to submit the application, the application can't be submitted and much less, the hard inquiry can't be made because it was not authorized.

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 2017-09-10
Company: EQUIFAX, INC.
State: IL
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 out that my information was hacked after reading about it in the XXXX XXXX XXXX. Equifax made no effort to notify me and I still have n't been contacted directly. I 've tried to find out via Equifax 's website the extent of the hack, but could not find out any useful information. 

I 've put fraud alerts on my credit with each agency, and will continue to renew.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Checked Bank of America balance, noticed new account in my name for XXXX  XXXX with balance of {$75.00} While reporting to Bank of America fraud department, noticed email stating application for XXXX XXXX credit card was denied

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 2022-07-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The list of informations and inquiries were inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect informations and inquiries listed below : Inaccurate Name : XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX ARIZONA Date Updated XXXX XX/XX/XXXX XX/XX/XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-09-29
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: Reporting company used your report improperly

Complaint:
I received an email stating that XXXX had an data breach and that I need to contact all three credit bureau about disputing items off my credit report. The email gave me a link that I can click on and put my information in to see was I an victim of the breach data and it came back stating that my information was taking. Here are the following inquiries on my credit report that I have notified TransUnion about and they have transfer me over the Fraud Security department. I talk to an Supervisor and she stated that she could not remove the items off my credit report. Here is the information that I 'm disputing : 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX  XX/XX/XXXX 4. XXXX/XXXX XX/XX/XXXX 5. XXXX/XXXX  XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX/XXXX XX/XX/XXXX 11. XXXX/XXXX XX/XX/XXXX 12.  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX 14. XXXX XX/XX/XXXX, XX/XX/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 2022-07-05
Company: EQUIFAX, INC.
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:
On XX/XX/XXXX per XXXX Bank letter they requested credit bureaus to remove fraudulent inquiries from my credit report, I waited 45 days and those fraudulent credit inquiries still reported on my credit reports. 
XXXX Credit Card application number XXXX, XXXX, XXXX, XXXX and XXXXXX/XX/XXXX Credit Card application number XXXX XXXX Credit Card application number XXXX XX/XX/XXXX XXXX Credit Card application number XXXX XXXX XXXX XXXX Credit Card application number XXXX, XXXX, XXXX and XXXX XXXX Credit Card application number XXXX XXXX XXXX Credit Card application number XXXX XXXX Credit Card application number XXXX XXXX XXXX XXXX Credit Card application number XXXX XXXX XXXX XXXX Credit Card application number XXXX XXXX Credit Card application numbers XXXX and XXXX XX/XX/XXXX XX/XX/XXXX I am demanding those fraudulent credit inquiries to get removed from my credit bureaus right away since I already waited more than 45 days, and I need confirmation that those fraudulent credit inquiries have been removed from my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: SYNCHRONY FINANCIAL
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I purchased an electric scooter from a XXXX XXXXbased company called XXXX XXXX XXXX  XXXX. The company advertised an electric scooter for {$89.00} and I paid for the item via my Paypal credit account. I received a confirmation of payment email on XX/XX/XXXX, on XX/XX/XXXX I received a confirmation of shipping email from the company. Sometime around the last week of XXXX, I attempted to email the company about the status of my item, but the contact information the company provided no longer worked and the website had been taken down. I then went to XXXX, which is where I originally found the advertisement for the scooter and found the XXXX XXXX XXXX page. The XXXX page was littered with complaints about people either not receiving the scooter, the company not responding or the company sending customers a women 's hair tie which they paid {$89.00} for instead of a scooter. I filed a dispute with Paypal after seeing this information on around XX/XX/XXXX, and on XX/XX/XXXX I got an email from the company saying my order was canceled. During the dispute process, the company sent Paypal a tracking number for my item XXXX XXXX XXXX XXXX XXXX XXXX and when it arrived at my home it was a women 's hair tie. I immediately let Paypal know this was the item I received and reported all of the fraudulent activity this company that I had seen on XXXX. I also sent Paypal a picture of the tracking number on the envelope and the picture of the women 's hair tie. Paypal is still not trying to resolve this issue and give me a full refund of my money. I am very disappointed because Paypal is advertised as a safe place to use when making online purchases. I have done everything in my power to show them they have a fraud/scam using their payment system and duping their customers, yet I still have to fight to get my money back and they keep giving this company the benefit of the doubt. My Paypal dispute number is XXXX, and the expected resolution date of my issue is XX/XX/XXXX, which is almost 2 months after I reported the fraudulent activity.

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 2017-08-22
Company: PENTAGON FEDERAL CREDIT UNION
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
We purchased a XXXX XXXX XXXX XXXX from XXXX XXXX and XXXX in XXXX, VA on XX/XX/XXXX. The agreed upon price for the vehicle was {$40000.00} plus tax and tag. We told them we were going to finance through our own bank. The sales person said they would be able to give us the same rate if not lower. When we got into finance we were told they were able to buy down our finance rate and actually beat our banks rate by approx. 1/2 a percent lower. He had us sign 2 different contracts with 2 different amounts on them. When we asked why 2 contracts and why they were different he said they needed to show the bank the buy down rate and that the figures were just for the bank. After we signed everything and got home we could n't figure out what all the extra money added onto the loan was for. I contacted the finance person and was told the charges were for extra and extended warranties. We told him we did n't ask for any of these items and none of them were ever discussed or agreed upon to for them to add to our loan. I told him to just void the entire contract and we would finance through our bank as we were going to do at first. He said they could n't do that because the loan was financed and money dispersed the same day we signed the loan. We told him we wanted all the extra charges removed and refunded back towards the loan. I asked where all our paperwork was ref. all the extra and extended warranties and the 2nd contract they had us sign were, because we did n't have any paperwork on any of the stuff he added onto the loan. They said they would XXXX them to me. We received copies for warranties with the finance persons signature on them but not our signatures. Each copy had RE-PRINT FOR CUSTOMER FILE on it. When we asked where our copies with our signature on them was he told us he lost them. They do n't have any copies because we did n't agree to any extra or extended warranties. We were told the 2nd contract had been destroyed. Bottom line is The dealership charged us approx. {$22000.00} in extra charges we did n't agree to. It has been a nightmare trying to get them to rectify this issue. I have called and left messages with everyone from the General manager, district manager, finance manager and sales rep.. They never return phone calls and do n't seem very interested in resolving this matter.

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 2017-08-18
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
CLOSED MY CREDIT CARD AND REPORTED BAD ON MY CREDIT WHILE I WAS XXXX SINCE THEN THEY STATED AND SENT ME A LETTER STATING I WAS COVERED UNDER SCRA GAVE ME BACK ONLY THE INTEREST BUT NO FINANCE CHARGES, LATE FEES OR CHANGING IT TO 6 % AND REPORTED BAD ON MY CREDIT REPORT. I WOULD LIKE ALL OF THESE ISSUES FIXED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The list of informations and inquiries were inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect informations and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XX/XX/XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX EMPLOYER : XXXXXX/XX/XXXX Date Updated : XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXXDate Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and have not got a response within 30 days. You are required by law to do so. Please investigate my disputes Please. Thank you.

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 2022-07-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and have not got a response within 30 days. You are required by law to do so. Please investigate my disputes Please. Thank you.

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 2017-08-22
Company: Risecredit, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX XXXX, I took out a {$3500.00} loan with RISE Credit online. I found out about this website from a mailing promotion that I received sometime before XXXX in XXXX. It said the interest rates were low, you could apply right away, and you could receive the money right away. The application and all emails from RISE Credit have been in XXXX, and XXXX is my first language. Payments were going to be about {$560.00} a month. On XXXX XXXX, a payment was made and I was happy to think the loan was paid off, especially because I had recently lost my job. I went online to see what I owed, and I had to create an account to get the information. I found out the balance was still {$3300.00}. I called RISE Credit to see why I still owed so much money. I was told by RISE Credit on the phone that I would pay about {$10000.00} in total for the loan. When you look at the account online, you can only see three payments right away under Account Overview. Also, under Payments, you only see payments due for four more months, so it seems like you only have four more months to pay. This is misleading and confusing. I did not receive any notice when I applied for this loan about what the interest rate would be and that it would be so high. I only found out some of this information when I opened an account online last month. The interest rate is not easy to find online, either. I thought it was 299 % because it has a page for loans in my state, which gives examples of the interest rate. When I had a legal aid lawyer help me look up the loan, she was able to find the Loan Agreement, but it was not easy to find in my account. I did make a payment on XXXX XXXX, but I had to have my bank put a stop on any payments for this loan. If I had seen the interest rate and total payments due, I would not have taken out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAPIO PARTNERS LLC XXXX attempted to collect a debt thats not owed. 
reporting medical info on my credit report to XXXX  and XXXX. 
XXXX {$900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06
Company: Complete Credit Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Complete Credit Solutions , Inc. has made repeated calls through the following numbers, which is another company : XXXX, XXXX, XXXX. The company, XXXX claims that they are calling on behalf of Complete Credit Solutions , Inc . They have called my phone multiple times, sometimes up to twice a day. I called and they said they were attempting to collect a debt with Complete Credit Solutions Inc. for something I have no idea about and I asked them to please stop calling. I have already received letters from Complete Credit Solutions Inc. The multiple phone calls day and night are harassing and disturbing, especially because I need my phone for work and get constant interruptions.

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 2018-09-06
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2018, I sent a letter EOS CCA and asked they send me verification ( contract/lease/signed statement ) of this debt and they sent me a bill. In XX/XX/2018 I sent a second later and have not received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My student loan account for XXXX XXXX is showing multiple late payments when it shouldn't. I sent all 3 credit bureaus proof of all my forbearance dates and they are still reporting late. There should be no late payments on this account at all.

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 2021-08-23
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:
LOST MY INFORMATION MONTHS AGO. 
I HAVENT HEARD BACK FROM ANYONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: National Credit Systems,Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have tried to resolve a " debt '' that is supposedly mines with " National credit system '' I have been sending them letters to verify that I signed and owe them the alleged debt, however they still have not produced any information stating what debt I owe them. Now they have put this debt into collection on my personal credit and it is damaging my credit. I never gave them permission to run, use or verbal persmission to obtain my social security number and ever since they obtained my ssn I been going through a case of identify theft. I have been trying to communicate with this third party group since may timeframe giving them 30 days to resolve the issue. They have had the last 90 days to resolve this issue and since they ca n't comply with my request I am filing a complaint.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: EQUIFAX, INC.
State: LA
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:
SEVERAL YEARS AGO I RESPONDED TO A PROMOTION BY PHONE CONCERNING, HIGH SPEED INTERNET WIRELESS GATEWAY. THE SALESMAN EXPLAINED THAT MY CREDIT CARD ID WAS REQUIRED FOR THEM TO SEND ADD'T INFO ON THE PRODUCT. I SHOULD HAVE KNOW BETTER, BUT THIS WAS XXXX XXXX XXXX. THIS PREDATORY PRACTICE SURPRISED ME. I PHONED IMMEDIATELY WHEN I RECEIVED A BOX OF INSTALLATION PARTS. I CALLED AND VOICED MY DISAPPROVAL OF THE METHOD OF SELLING THEIR SERVICE. I DID NOT WANT THE SYSTEM AND I TOLD THEM SO.

Company response to consumer: Closed with explanation