BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 I notified each credit bureau that I found accounts on my credit report that don't belong to me they are pretty old accounts but I am only noticing them now because I have not had any credit in the past and I would like to obtain credit now there are only two accounts reporting on my credit report and neither belong to me thats why I reached out to the bureau 's I also went to the FTC website and filled out an affidavit regarding the theft that has occurred. The bureau 's have not responded to my claim and I would like this issue to be resolved quickly. Please see attached letters sent to the credit bureau 's and a copy of the affidavit that I sent to the credit bureau 's.

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 2020-06-20
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Thank you for reviewing the complaint. After reviewing the credit report Mericredit which is collecting on behalf of XXXX XXXX XXXX XXXX XXXX continues to place items on credit report. Requesting validation of all information pertaining to the amount displayed. If coverage was out of the network, no financial assistance wasn't offered.

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 2016-12-30
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
my credit line was decreased on my XXXX account, due to inactivity according to their representative, and they failed to notify me of the adverse action taken on my account. 

I have not missed a payment on this or any other account that I own in over XXXX years ...

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 2016-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have paid off my XXXX XXXX 's consumer loan accounts as of XXXX/XXXX/2015. It 's been over 5 months and the credit bureau still shows a balance. The creditor has sent me letters stating that all accounts have been paid in full but the credit bureau still decides to report inaccurately. I want to sue this company and seek damages. 

Please help me anyway that you can to bring this criminal company to justice.

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 2016-07-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I was denied a Barclaycard XXXX with XXXX Rewards. My credit score is XXXX. I have no criminal record. I was unable to solve the problem by talking to their agents. I filed a complaint. XXXX XXXX from Barclaycard responded and after much conversation told me that the denial was due to an old phone number on my application and that I would be approved for the card immediately when I applied. I thought the issue was settled. 

Since that conversation, I have received XXXX letters from Barclaycard saying they need further confirmation of my address. They want me to send an original utility bill. I was asked to do this and I did it when I first applied for the card. I additionally sent them a copy of the front page of my tax return. Then they wanted copies of the front and back of my social security card nad my driver 's license. I have received many credit cards and never been asked for any information such as this. Something is very weird and I want to know why I am being refused credit. 

I have left messages for XXXX XXXX twice and received no return call. 

I had a XXXX XXXX Barclay card at the time I originally applied for this card. So, they already had my information and experience with me as a credit card holder. 
I want to know what is going on. XXXX XXXX told me the reason for all this hassle was that I had put an old phone number on my application. I do not believe this is true. I would say my age or XXXX is the most likely reason for the refusal and that they hope to hassle me until I give up. My partner who is a year younger and has a lower credit score was immediately approved for his card.

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 2017-01-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I received a Care Credit loan from my Dentist in XX/XX/2013. The loan and applicable terms were conveyed to me by the dental office XXXX and were not adequately explained to me. 

I did not understand that XXXX months later my principal balance was going to balloon by more than double due to accrued interest. 

I believe I have been a victim of the exact same deceptive credit tactics that resulted in the CFPB ordering a refund of up to {$34.00} XXXX to consumers who were affected by this. 

I attempted to call Care Credit and explain to them that I was a victim of these deceptive tactics and they were completely non-receptive. I am hoping to simply resolve this and pay off the balance so I can terminate the account. 

In addition to the deceptive tactics with the accrued interest, the company makes it virtually impossible to monitor my account and see what is going on in statements from month to month. I can not access my account online due to " errors '' on their website, and each time I attempt to call I have to wait approximately XXXX - XXXX minutes to speak with someone. In the instances I have been able to wait to reach someone, they are combative and not helpful and will not even tell me basic information like my account number so I can log in and pay more of the balance off of the loan to reduce interest payments. 

Everything about this company and their attitude towards customers is predatory and fraudulent.

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 2016-03-26
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Hello - I am hoping you can help me with an issue that seems to be spiraling out of control. I have multiple credit cards that are owned/handled by synchrony bank. My husband left a year ago and as a result my finances were severely impacted and I missed a payment here and there on those cards. Some, however, I have never missed. As a result, Synchrony began systematically canceling my credit cards stating " serious delinquency, time since delinquency is to recent or unknown, revolving accounts is too high, number of accounts with delinquency. '' While I do not dispute that I have missed a payment from time to time, I do have a MASSIVE issue with the fact that, at this point, Synchrony bank is single handedly ruining my credit by continuing to cancel credit card after credit card, many of which were COMPLETELY paid off. I have no idea what my recourses are at this point, and I need some help/advice on what to do to resolve this snowballing problem.

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 2016-11-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
JC Penny reported a credit a credit card debt to the 3 credit bureaus back in 2012, then stated this account was sold to XXXX, I 've since spoken with and resolved with XXXX and they completed an investigation to determine the account not to be mine and they have closed the account and reported to all credit bureaus to remove this tradeline, JC Penny needs to do the same, the account is not mine and they need to remove this from all 3 credit bureaus. This is against the law to report inaccurate things on someone 's credit report, this must cease.

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 2016-03-15
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Issue: Late fee

Complaint:
BarclayUS has a cutoff time for XXXX for the mininmum amount due time. In the past 6 months they charged me late fees of {$25.00}, for the simple reason that I might get stuck in traffic. I am paid by my employer daily, I make XXXX an hour and i have no way to make the payment in the morning or before, my money being very tightly budgeted. 
This bank rips me off.

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 2016-11-11
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In my experience with this company they have done the following items : Threatening a lawsuit and other legal action Improper contact ( such as calling late at night or at work, frequent / repeated calls, or contact after the consumer had asked the company not to call with written letter mailed stating clearly to do not contact ) Disclosing the existence of the debt to third parties and knowledge of other debt Continuing to attempt to collect debt that was not owed or that had been paid. 
Made arrangement to pay off prior debt, Close and remove debt for credit history Failed to compete their end of the settlement Failure to accept payment arrangement on multiple occasions

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 2015-09-23
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I applied for a Barclaycard XXXX credit card and they sent the card to the wrong address. The card was never activated, yet they charged me fees and late fees. I have made XXXX phone calls to barclaycard to clear this up, yet it still appears join my credit report. I have ordered a new card and corrected the address. I have never been charged for fees from a credit card that was never activated. Is this legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-10
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am the victim of fraudulent activity on my credit. I am in the processes of reviewing all of my accounts and have notify all XXXX creditors. My credit status has been and is currently under a fraud alert. I made a written request to Barclaycard 's on XXXX/XXXX/15 asking how to submit an FTC Fraud Affidavit. I am also requesting information of what is needed to process that request. IE A copy of Barclaycard 's written policies and procedures informing consumers how to request application information and business transactions records about consumers transactions alleged as the result of identity theft, as per the Fair and Accurate Credit Transactions Act ( FACTA ) I have received no response to my request. My letter was sent certified mail on XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that these inquiries were erroneous. The Credit Bureaus must verify these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed a credit card account ending in XXXX from Capital One in XX/XX/XXXX. I paid the balance off and received a refund check in the amount of {$2.00}. However, 5-6 months later I received a notice that I had charges on that account. I did not authorize these charges and do not understand why they were there. I have contacted Capital one on several occasions, culminating with a letter dated XX/XX/2017, where I asked them to 1 : Confirm that the account is closed as requested 2 : Remove any fraudulent charges on my account and remove the negative comments on my credit report 3 : Due to the stress of this situation and its impact on my credit score, resulting in me getting denied a credit card with a better rate due to my credit score. I am asking for {$1000.00} for the hardships of this situation. 

Currently I have a balance of {$100.00} and they have notified the credit agencies that I am late on this payment. This should not be happening

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received notice from a law firm that a collection agency was demanding money from me from a credit card. I asked over phone and in writing for verification of debt. The law firm did not reply and started an action against me in court without serving me I found it accidentally when looking for something else on XXXX website, so I went down to court to contest and have a hearing on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Other

Complaint:
Requested a validation of all account level information, and the company can not provide this information. They have not been able to provide any of the requested information and have made no attempt to provide the information to me. I have an increasing balance and charges on a closed account that are not explainable as well as other issues as being requested in the entire validation of the entire account from opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Credit card
Issue: Sale of account

Complaint:
I have a XXXX credit card. It was through XXXX Bank and recently changed to Capital One. When the name change took place, it caused my credit score to drop by 30 points!! It is showing on my credit report as an increase in my balance from {$XXXX} to {$900.00} when in fact it was {$900.00} to {$900.00}. I have absolutely no control over a credit card changing to a different lender and feel this is extremely unfair for it to report this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: Diversified Consultants, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Just assuming here; I called and paid off the old XXXX bill and they charged my account XXXX. Contacted XXXX and they had no record of being XXXX charged so they bank fixed it right up cause there was XXXX from XXXX. Now it still shows I owe then when I paid it off in XX/XX/XXXX. Honestly this company should not be in business if they can't keep accurate records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There is plenty of incorrect information on my credit report such as misspelling of my name and addresses i am not associated to. 
The name associated XXXX XXXX XXXX is incorrect. 
The name associated 'XXXX XXXX is incorrect. 
These addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX XXXX ca 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 2015-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I have a stock trading account at XXXX which is owned by Capitol One. On XXXX/XXXX/15 I requested a transfer of settled funds from XXXX account to my Capitol One savings account. The transfer was not made until XXXX/XXXX/15 at XXXX EDT. 
But as of XXXX CDT the funds still had not shown up in my Captiol One savings account. Since both are owned by Capitol One and these are electronic transfers the failure to properly credit the savings account is not correct. In addition, Capitol One puts a ten day hold on these funds being transferred from my savings account to other non Capitol One accounts. This is an unconscionable use of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
The bank we have a home equity loan with charged us approximately {$1700.00} for a six week lapse in homeowner 's insurance. They based the insurance on the value of the XXXX mortgage ( approximately {$450000.00} ) instead of the value of the home equity loan ( approximately {$38000.00} ). Furthermore, our bank ( USAA ) is an insurance company and knows that they are overcharging for this insurance. Clearly, USAA has overcharged us for insurance and has taken advantage of us. Also, USAA has reported the failure to pay the {$1700.00} for insurance to the credit agency as a past due bill, when it clearly is in dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Dear XXXX ; On XXXX XXXX XXXX I filed out an application for auto financing with Capitol One via XXXX of their numerous pre-approved offers they have been sending me for the past year after finding a car that I wanted from XXXX in XXXX XXXX. I filled out the application and combined my current income ( half from an employer, and half from workers compensation ( since XXXX XXXX ) and submitted the required proofs of income, included last years tax return summery, to them through XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ). On XXXX XXXX I signed financing papers through the dealership and took the car home. 
A full two weeks later, I get a call from the dealer saying Capitol One was now backing out of financing the vehicle, stating that they would not consider my workers compensation as income unless I had been receiving it for more than two years. The dealer stated that I would have to come in and they would have to " re-write '' the contract. I retained a lawyer after that. 
In the mean time, I searched for alternative financing and found it with XXXX XXXX XXXX who had no issues what-so-ever with my sources of income. However, they were not able to issue a check to the dealer until the lien Capitol One had placed on the car and been removed. It took over a month to get the financing for my car settled and I think both the dealer and capitol one are in the wrong. Capitol One swore MULTIPLE times to me, my Attorney and to the dealer, that they did not have a lien placed on the vehicle since they had not approved the financing ... .two weeks after I signed the papers. In the end they said it " fell through the cracks '' which I find preposterous. 
XXXX financing manger basically told my Attorney " drop off a check and we 'll release the lien '' ( copies available if needed ) in so many words. That then implied that THEY had the lien so the Attorney then focused on them. Then XXXX parties attempted to turn around and blame this whole debacle on me, the customer, ranging from I falsified my income to the undisclosed " we do n't take XXXX payments ''. This is my first car purchase and it has been a complete nightmare and still weighs on me. Something is not right here, and I intent to follow through to the full extent of the law. Neither party has apologized or even attempted to compensate for the absolute HASSLE this has been. I have yet, as of XXXX XXXX XXXX, to receive a denial of credit from Capitol One. Both Capitol One and XXXX have lost a costumer and gained a mighty negative story that I will tell to everyone I know, including the local news medias.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
My Kohls credit card was hacked on line on XX/XX/2017 Kohls sent XXXX email gift certificates to a gmail account which they refuse to divulge due to privacy rights. No confirmation email was sent to us as Kohls claimed the box was checked not to send a confirmation. We used the account on XX/XX/2017 There was no record of the alleged gift cards. 
I received my bill on XX/XX/XXXX and immediately reported the fraud. Kohls opened an investigation and from that point on, the have continued to lie and refuse to provide any information on who they sent {$300.00} worth of gift cards from my account

Company response to consumer: Closed with explanation