BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
Personal information hacked from records at the Department of Veterans. 
Affairs. Had to cancelled and be reissued bank card and credit cards. 
Attempts to purchase credit card by hacker cause hard hits on my credit report.

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: Resurgent Capital Services L.P.
State: PA
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:
This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Transunion ( Deceptive Business Practice ). 
This credit reporting agency changes my credit score ( usually lowering it ) whenever it suits them, and without ever providing to me any type explanation or reason for doing so. The most recent time was today, XXXX XXXX, 2016. While nothing changed in my financial circumstances since this agency 's last report of my credit score six ( 6 ) days ago, this agency lowered my score again, and I have absolutely no reason why it was lowered. Transunion 's website is secretive, in that it provides no rational manner in which to contact and dispute the altering of my credit score. I have complained to the XXXX and Office of the Attorney General of Pennsylvania but with little or no results. I am requesting that your agency intercede in this matter in an effort to have Transunion provide to me an exact reason or reasons whenever my credit score is lowered or increased or altered in any manner. Every time I check my credit score with this agency, I get ready for a surprise, and I do not like surprises. Please contact me if perhaps you should require any additional information regarding this matter. Respectfully yours, 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 explanation
Consumer complaint received 2016-11-10
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Issue: Other

Complaint:
Care Credit miss reported me as deceased. I have called them several times to get this corrected. Because of the miss reporting, my credit scores across all bureaus went to XXXX while trying to refinance my current home loan, I was denied because of this. After several attempts to get it straight they seem to have charged off the debt I was trying to pay on time. Because of their error, I was not allowed to ever make a payment on my account as it was closed due to me being deceased. Now due to the charge off the only credit bureau reporting a score has dropped my score massively due to their error. I need help in recovering my credit scores. I also need them to remove the charge off from my credit. And they should be responsible for the remaining portion of the balance as I have lost out on several thousand dollars due to their error.

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 2015-04-12
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card
Issue: Transaction issue

Complaint:
XXXX synchrony bank i purchased a tv online then called this bank to see if i got the 18 mo. no interest. they told me that online purchase did not qualify. i went back to XXXX to cancel well within the XXXX minutes they allow and before the item was shipped. i was able i thought to cancel. the next day i received an email saying it was shipped so i called synchrony bank the person told me to not take delivery so i did that. this is the description of that transactionXXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Date XXXX/XXXX/2015Location XXXX XXXX XXXX, XXXX, AR, XXXX $ XXXX Number XXXX XXXX XXXX XXXX tv they said it would take 60 days to review, well after many calls i am no where near the end. they said the charge would remain in dispute without charge. i do not like to see this XXXX on my statement after XXXX days. i have paid my balance down early to get these people out of my life. i now have overpaid my account minus this charge. i also have a copy of the XXXX tracking of this item stating it was refused and sent back to shipper XXXX/XXXX/2015 which i told the bank. my thoughts are they are kiting this money at my expense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
I had a Barclay 's US Airways credit card that I was keeping at a XXXX balance. Due to what I was told was a computer error, the system thought there was a payment due on this card. No mail, email, or phone calls were used to try to inform me about this ( and I was n't checking the account as I knew it was at a XXXX balance ). 
It was during a time when I was refinancing a house, and this knock on my credit was the only blemish on my credit, and brought down my score considerably. Had it not been resolved in time, this lower credit score could have effected my interest rate on a home for years. 
It took many phone calls and escalation ( I calcualted 6 hours I spent on the telephone with Barclay 's customer service ) to get this clarified, resolved, and updates sent to the credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Kirschenbaum & Phillips P.C
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
Attached is a copy of a Collection Letter received by myself. Virtually Simultaneous to the mailing of this letter, which by law is to permit an answer by defendant within 30 days to any disputes of debt or any portion of it, to gather whatever evidence the defendant might have or to seek legal advice and discuss any remedies to alleged debt, the Alleged Creditor thru their Attorney in Violation of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act the Collection Company filed a complaint with the court. 
I attempted to contact the Collection Companies Attorneys of record on several occasions including XXXX XXXX, 2015 and XXXX/XXXX/2015 to discuss first and foremost the violations of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act as well as the alleged debt and on both occasions was told a different amount was owed $ XXXX than in the complaint and that XXXX of the attorney 's would reach out that day or the next or in the case of the XXXX XXXX call the next day or at that very latest XXXX XXXX to discuss the violations and the alleged debt. In neither case did this occur. In fact in further violation of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act a letter dated XXXX XXXX, 2015 was sent to me stating that I had instead of notifying them of violation of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act, that I was in fact merely calling to dispute the debt, continuing to use the fruits from their poisonous tree to further their own case, and attempt to protect and insulate themselves from ongoing violations of various Creditor and Debtor Laws including but not limited to the Fair Debt Collection Practices Act. 
In addition it appears my own research that any alleged debt that might exist is not with this Creditor as I can not get alleged original creditor to verify that XXXX is the creditor of record. The only references of record that I 've been able to get via XXXX number references are a company called XXXX Capital that then referenced a company called XXXX. As such there is certainly the peril that if I were to make any arrangement with this Collection Company that additional alleged creditors could present themselves at a future date. The presentation of copies of alleged statements from the original creditor in possession of Collection Company does not constitute a legal ownership of alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Hello. In continuation of your response to my complaint about Wells Fargo through CFPB. 
You, instead of giving me an actual answer and resolving the issue, you are doing a training course. I do not need your guidance. 
You advertised in my account that I was pre-approved for a card, so I filled out the request and submitted it, and you told me that you would let me know through mail about your response. 
Approximately a week after that I received a letter from you regarding the application, saying that my credit was frozen with XXXX and that I needed to unfreeze my credit and call you to let you know. In order to remind you, on XX/XX/2022, I called you and told you that I unfroze my credit so you could check it. You indeed checked it, and after you had checked, and to my question, you gave me a response to freezing my credit. On that same day, XXXX points were taken from my credit. I do not need your training course and do not tell me stories or excuses. 
On XX/XX/XXXX, I told you that I was not interested and was not going to unfreeze my credit for a second time because I did not my credit score to go down again and hurt my credit because this is very important to me ( you don't check 15 times, you only check credit once, you do not have the right to request from the client to open his credit in the first place for a card that he was pre-approved for, for a second time and endlessly after that ). On your mistake that you did not check my credit as you were supposed to, I do not want reconciliation, I just want my credit score back, because I do not want your card at all, and I already told you this on XX/XX/2022, that I was no longer interested in the card. 
Thus, I demand, in a clear-cut manner, that you cancel what you did on my XXXX account so that my credit score goes back to how it was prior. 
And don't keep telling me stories and legends, only relevant answers. 

Attached is a screenshot of my XXXX account, showing my credit score went down by 16 points on XX/XX/2022. 

Sincerely, 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 explanation
Consumer complaint received 2016-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I got my first credit card 2 month back, and want to verify my information and score. 
I paid my first credit card bill, so want to make sure all information is correct.

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 2022-11-06
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
The years XXXX, or XXXX my things were stolen from a house I room mated with a friend. Her name is XXXX. I had a application filled out with the XXXXXXXX XXXX XXXX XXXX XXXXXXXX license that was taken during the time my things had disappeared. I believe thats how my identity was stolen. I had past addresses, history of work, along with all my personal information on that application. She met a man named XXXX, they are now married, he started having things showing up on his credit, and thru the XXXX XXXX. We gradually put it together and now come around present. I think my credit had already been being monitored by someone with the phone calls, and things I would see on XXXX XXXX. XXXX, XXXX  I purchased a XXXX XXXX. Then I really started seeing activity on XXXX XXXX Around XX/XX/2022 thru XX/XX/2022. XX/XX/2022 I purchased XXXX thinking I would feel a little relief. I did momentarily. I disputed a XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Tx. XXXX, XXXX XXXX, credit cards, late payments with no relief. I cant access Experian to freeeze it. XXXX XXXX XXXX XXXX. We believe the suspect to be XXXX XXXX XXXX. The XXXX XXXX XXXX department is now working on it, along with XXXX XXXX XXXX XXXX Ive been a victim of identity theft and Im looking for relief. Thanks

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 2016-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
hi my name is XXXX XXXX i tryed many times to have XXXX ohio federal court files removed from my transunion and all other credit reporting bureaus to have this info removed and they will not do anything about it i have contacted and disputed with all party, s in this matter so i would like to file a complaint on transunion and the other bureaus reporting this info on my reports here is a copy of my transunion report and the XXXX ohio federal court files that i X next to then needs to be removed from my reports as a us citizen i should have the right to have this info removed from my report 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 explanation
Consumer complaint received 2016-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I pay my car payment every month online using Capital One 's online system. I scheduled my payment on XXXX for my regular car payment of {$520.00} to be pain on the due date which is XX/XX/XXXX, after I chose my method of payment which is using my bank account and selected my date to submit payment. I agreed to authorize Capital One to collect that specific amount from my bank account. I logged into my bank account to balance my ledger when I noticed that Capital One collected {$1000.00} from my account instead of the amount I authorized, which was {$520.00}. I immediately called Capital One as well as logged into my account in their system to see what happened. I noticed in their system that my payment I scheduled did not show up, nor did it reflect the payment they collected from my bank account. In fact their system showed I was delinquent in paying my car payment. I spoke to a representative to get an understanding of whatever mistake they made, and i told her they needed to refund the additional {$520.00} they took out of my account unauthorized. She informed me that I have not made a payment since XX/XX/XXXX and that the payment they just collected from me was applied in the following manner : {$520.00} toward my principle and {$520.00} toward interest! 

I let her know that Capital One does not have the authority to decide how munch money is applied to my principle or interest, nor the authorization to take more money out of my bank account than what I authorized and that they need to rectify what they have done! 

She informed me that I needed to show proof of the payment pending on bank statement and send it to them via fax and that they will launch an investigation to determine if a refund will be provided. I told her that banks do not provide current bank statements, and that I would print out my account summary and fax it in to them to review and that a refund will be provided otherwise its called stealing, which they have done when they took more than my normal car payment out of my account and that they will also be responsible for any overdraft fees I incur because of this. 

I called Capital One again on XX/XX/XXXX to follow-up in regards to my fax i submitted and they informed me that they have not received my fax, or my payment. I checked my account online while on the phone with them and let them know that they have officially collected payment, because the transaction has now posted to m y account, so I don ; t understand how they can not have knowledge of my payment, but collect an unauthorized amount from my account, how can you explain your ability to access my bank account? the rep XXXX said he submitted my complaint to the allocation department and that they will contact me within 2-5 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/2022 I noticed personal information that did not belong to me. On XX/XX/2022 I sent letters to all 3 credit reporting agancies letting them know it was false information. Experian did Not remove the false information while XXXX and XXXX found it false and removed it. I sent second letter requesting that they remove the information on XX/XX/2022. Then a third on XX/XX/2022. Experian has failed 3 times to remove false information from my credit report.

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 2016-07-16
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I have been working with Cardinal for months. I sent you a complaint a few weeks ago. Nothing was done, but not things are even more serious. I think they are intentionally trying to make sure that my loan is denied, probably because I filed the complaint. I was suppose to close on XXXX. I did n't. Not because I had n't done what i was suppose to do, but because they kept changing the " fha guidelines ''. They constantly lie to me. I was told I had to verify funds of 1 % of the loan or more, but the day before closing they started demanding all this extra paperwork that is not required. They have contradicted themselves over and over and I think they are doing it on purpose. I did everything they asked. I got them the paperwork and then I was told underwriting had approved the loan, but because my score had changed ( It was still higher then then XXXX required for fha ) the president of the company would have to sign off on my loan. All of this on the day of closing. I 've never heard of such a thing happening. I was told the decision was to " refer ''. I know that means they would have to manually approve it, and because I had did everything they asked and they never told me there was a problem with anything i provided, i assumed it would be approved. They did n't approve it. I was given all these excuses and now I have less than 8 days to raise my score by XXXX points or lose XXXX dollars that could have been used towards my special needs child and the home. I ca n't afford to lose this home, but they have done so many things. I even asked if they were doing this because i was XXXX. Cause I ca n't think of any reason why they would be giving me such a hard time when i 've jumped through hoops to make this happen. I asked the loan processor, XXXX XXXX, if i needed to pay my credit cards down because the balance went up. I asked him this 2 weeks or more ago. He said NO. He said that as long as the minimum payment was low it would be fine. Now I 'm being told that I need to do whatever to raise my score, including paying down the balance on my credit card or I wo n't get the loan. I 'm in my extension period. I have paid down the credit cards as of yesterday and they are suppose to submit a rapid rescore on monday. I pray this will resolve the score issue, and I can finally close, but I feel that they are intentionally putting road blocks up. Why offer fha loans if you are n't going to follow the guidelines. They have me in a horrible position. They know this and they do n't seem to care. Oh and I was given conditional approval weeks ago and I was also told that underwriting approved everything but the president would n't sign off because my score had dropped and when asked to manually approve because the score drop was a mistake i was told she would n't. all of this on the day of closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased furniture from Conn 's in 2014 with the agreement that it will be interest free if paid within 12 months. I paid the furniture off within 12 months and provided proof that I have homeowners insurance, therefore not required to have their insurance. I started receiving calls in XXXX stating that I have a past due amount, however they would not tell me what it was on. I have XXXX other accounts with them that are current. I was finally able to get a collector to say it was on the furniture purchases in 2014. I explained that it was paid off a year ago. Finally figured out that they were charging me for insurance and interest on the insurance. I submitted my insurance information twice more. They finally processed it on XXXX XXXX and said it had been credited back to my account. Yet I continue to get several phone calls daily. They continue to claim I owe money. I was told 2 weeks ago that they requested that account be closed. I am still getting calls and was just told today to resubmit my insurance information. I received a letter from their insurance Dept early this month verifying they credited the cost of insurance back to my account.

Company response to consumer: Closed with explanation