BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
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 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 explanation
Consumer complaint received 2015-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have several XXXX XXXX XXXX accounts that were opened in XXXX and closed in XXXX. I always had a good payment history with XXXX XXXX. Recently I checked my Trans Union credit report and it showing negative reporting on my XXXX XXXX accounts. I would like this information to be updated correctly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt collector from Crown Management XXXX XXXX keeps calling me for a magnolia schmit but I already told them I do not know her 3 times. They said she gave them my name and number for a references which was not true, they said they were actually looking for my ex and asked for his number at first and his brother I did not authorize them or anyone of them to even have my number. I have repeatedly told him and his supervisor to stop calling my phone looking for her. I have called them back and asked for their address so I can send them a letter to stop calling me and he still insisted on asking me to tell XXXX to call him, and would n't give me the address.

Company response to consumer: Closed
Consumer complaint received 2016-05-04
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
barclaycard locked me out of my account this morning for my security i know my mothers middle name now they have my username and password on screen so nobody has to steal it right there i want it repaired now it is bad anyone can log in and there it is

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 2020-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a business card with Capital One and have for several years I have never missed a payment and it's the largest expense I have right now. When COVID hit like most small businesses we were impacted drastically and immediately contacted our creditors. I will say Capital One was great with deferring payments on the account when we were not able to pay it. I contacted them several times to try to get a smaller payment than the {$2000.00} a month on the high APR account. Every time I was asked numerous questions and then told they couldn't help me. I understand they can no longer defer payments but the deferment just caused me to be way over the credit limit and made a bad situation worse. I only want to close the account and repay the balance at a lower APR and lower monthly payment that does not seem unreasonable. Currently I'm not late past 30 days and I am trying to salvage my credit the only suggestion they gave me is to go to a debt settlement or consumer counseling program which will trash my credit and tell me to stop making payments to my creditors. This is not helpful and I really can't believe that is the only suggestion or assistance that Capital One would offer to a customer that is wanting and willing to payback the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
trans union report i have too many delinquinces i have none also i have account through XXXX i hane no time since delinquinces none at this time

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 2022-06-02
Company: EQUIFAX, 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good afternoon, On XX/XX/XXXX and XXXX, XXXX my Transunion credit profile was pulled twice. That resulted in 4 hard inquiries on my credit report from Transunion. 

I am purchasing a house and this does not reflect positively and I am trying to fix this issue. I called the credit bureau and was advised to get a letter from XXXX XXXX XXXX requesting that 3 of the inquiries be removed immediately. 

The letter was sent by certified mail on XX/XX/XXXX and received on XX/XX/XXXX. 

On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX XXXX stating that the credit pulls were valid. The representative stated that the Dealer should have explained that they pull my credit, then send my information to XXXX XXXX XXXX XXXX who pulls it again. I stated that the dealer did not indicate that XX/XX/XXXX would pull my credit again and since they are affiliated can they send me a courtesy letter that I can send to the credit bureau requesting that 3 of the inquiries be removed. They declined stating that the 4 pulls that happened for one loan over a 2 day span was valid. 

I find this highly unreasonable as I would not be able to get a loan with them if I had bad credit and pulling my credit 4 times is definitely hurting my credit rating and scores for 2 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 explanation
Consumer complaint received 2020-12-30
Company: BARCLAYS BANK DELAWARE
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
There were three fraudulent cash advances and advance fees charged on my XXXX XXXX rewards card. The cash advances were total {$1500.00} and advance fees were total {$75.00}. The cash advances happened places I never visited. According to the credit card 's statement, the first cash advance happened on XX/XX/2020 on XXXX XXXX XXXX, XXXX, NJ, total {$500.00}. The second cash advance happened on XX/XX/2020 on XXXX XXXX XXXX, XXXX NJ, total {$500.00}. The third cash advance happened on XX/XX/2020 at XXXX, NJ, total {$500.00}. During those days I was never in those places in NJ as I live in XXXX. I have called the credit card company several times since XX/XX/2020 and reported the fraudulent activities. After XX/XX/2020 I received a letter from the company stating after their investigation those transactions are valid and they declined my fraud claims. Their reason is simply because it's a chip card. Now they say I am responsible for all the fraudulent charges on the card including interests, late fees incurred as I was waiting for resolving the issues. As a medical doctor working during those three days in XXXX, I can provide proof that I was not in those places during those three days. Thus, this is totally unreasonable for a credit card company to just simply put the all the fraudulent charges to a honest, five-year-long customer. As we know chip card technology is not 100 % safe.

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 2017-05-01
Company: Nations Recovery Center
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been receiving calls for several years from Nations Recovery Cente r , Inc.   XXXX .  XXXX   XXXX ,  XXXX  GA,  XXXX ,  XXXX , about a debt that I do not owe. I have repeatedly asked them to remove my number from their list yet the still call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is showing as a hard inquiry on my report, but I do not have an account with them and did not apply for one. I also did not recieve a letter. I am requesting that this hard inquiry be removed from all XXXX credit reports.

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 2022-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been trying for months to get the due date changed on the account. Capital One Auto Finance refuses to do so claiming it is not possible. The loan company knows that I do not get paid until the first of the month. I am a XXXX veteran at XXXX % XXXX as rated by the Department of Veteran 's Affairs. This is causing larger and larger amounts of interest to be assessed by the loan company and they know this. They are utilizing this to get more money from me in the end. I need the CFPB to help get this resolved as they are refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: EQUIFAX, INC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Having my credit checked found a XXXX account for a {$170.00}, got a hold of XXXX and they had no record of it filed complaint on the collection agency and XXXX to get it off my credit report.the collection agency called me last Friday to inform me that that account was with drawn from their company in XXXX 2012, and at that time they sent deletion requests letters to the credit bureaus to be taken off my credit report.Why was it not taken off 4 years ago?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
I set up an account with Synchrony bank through Amazon.com. I set up recurring payments on this account so that the entire balance would be payed off each month on the statement date. 

Two weeks after a recurring payment was set to go through, I check my balance and see it is far higher than I had expected. It appears the last recurring payment had not gone through and I had been charged both a late fee and interest. 

The only communication I had received from Synchrony during this time was an email on the day after the payment was scheduled informing me that a payment had been posted. At no point was I informed that the payment had not been completed.

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 2015-10-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by SYNCB on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate and incomplete. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-22
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX XXXX, 2015, my commercial bank XXXX confirmed electronic payment to my Barclaycard MasterCard in the sum of {$10000.00}. It was, however, made to my former Barclaycard account. I spoke with Barclaycard ( some XXXX call center ) who claimed to have opened a " case '' on the matter but have not heard anything despite the fact that my XXXX banker also confirmed the payment with Barclaycard directly. Essentially, we have a missing {$10000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a Chase Sapphire Preferred card with Chase Bank. After 10 days of opening the account and 1 day after receiving my card, they told me there was a mistake by opening my account since there was a consumer alert on my XXXX account. I'm in the process of updating my information so all of my identification is correctly statement on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
This complain is about XXXX XXXX XXXX Collection Agency Reporting to all XXXX major Credit Reports Inaccurate information as of Date of First Delinquency. As reported to XXXX on XXXX XXXX this account is schedule to continue on record until XXXX XXXX as of XXXX XXXX it was not on XXXX no more making the Date of XXXX Delinquency XXXX XXXX ( since accounts remain for 7 yrs on record as of XXXX Date of Delinquency ) On XXXX XXXX XXXX reports to XXXX XXXX Date of Delinquency as XXXX XXXX. As of XXXX XXXX its reports to XXXX XXXX Date of Delinquency XXXX XXXX. As of XXXX XXXX XXXX Deleted it after finding inaccuracies on Dates of XXXX Delinquency reported. XXXX still reporting to XXXX I am currently disputing it with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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 XXXX  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 2016-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
I receive an email saying " An event occurred that could impact your credit score. Please log into your account to find out exactly what happened. '' When I log in, there is no indication any event -- mainly there are a number of marketing ploys, all of which cost money. Many of the ploys lure you into asking for additional information, then have you " place and order '' that you are unaware you will pay for. 

This seems to be behavior that should not be tolerated by an entity which we require to honestly and straightforwardly deal with our credit.

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 2016-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I filed a complaint with CFPB in XXXX The issue was resolved to reflect that the account was paid in full with a XXXX balance per XXXX response to CFPB. I got a alert stating that the information was placed back on my credit report showing that I have a balance of {$120000.00} and pastdue of XXXX with monthly pymtss of {$840.00} per month as of XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Wrong name and address on reports ...

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