BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have send them all the information they needed over three month and still havent gotten my refund for two XXXX XXXX cards.

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 2017-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX I submitted XXXX # XXXX. I started receiving calls on my landline from Portfolio Recovery. They never left a message ; just kept calling. I indicated in this case I have no debt but my mortgage which I pay timely monthly. I requested you have them write me regarding the purpose of their calls. You sent my complaint to them. They responded they needed my account number or telephone number at which you received our calls. Since I have no debt, I have no account. If they want my telephone number, I gave it to you in my complaint. If they want their telephone numbers, I gave one number. Every time they call, they use a different number. A XXXX search of this firm says they have over XXXX different phone numbers. Latest Portfolio Recovery phone number they used today XXXX is XXXX. You have my name, address, home phone, which should be enough for them to write me about why they are calling. Since they are calling my landline, they must have some record in their computer that links my name and landline phone. Please require them to write me why they are calling. Thank you very much

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion has XXXX negative items remaining on my credit file from a bankrupty that occurred in XXXX. And a carloan with XXXX that was open in XXXX is schedule to come off my credit file is still on my credit report. the partial account number is XXXX and it was in the bankrupty filing.

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 2022-02-17
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Around XX/XX/2021 I have submitted some transactions that were unauthorized by me. After receiving credit and after direct express findings being unauthorized transaction and approved my claim and receiving a letter to confirmed credit was final and approved. Direct express took the credit that was approved without any explanations. And after being finished and approved...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted the Department of Education, Equifax and XXXX to help me remove the paid account off my Equifax credit report. No one has helped me resolve this problem on my Equifax report it Is still reporting the Dept of Education loan account, They we paid in full and verfied they we supposed to be deleted and still has not, it is affecting me negatively I would just like to resolve this with Equifax so the loans can be closed off of my credit report since it paid in full. Attached I have the letter of pay off and tax verifications for no more amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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: Personal information incorrect

Complaint:
I have requested on several occasions to remove and or delete the incorrect & inaccurate information on my credit report which I am needing immediately removed. I am listing those items for your convenience below. 
XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX TN XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX FL XXXX XXXX - XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX FL XXXX EQUIFAX - XXXX XXXX XXXX EQUIFAX - XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX TX XXXX EQUIFAX - XXXX XXXX XXXX XXXX FL XXXX EQUIFAX - XXXX XXXX XXXX EQUIFAX - XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX FL XXXX EQUIFAX - XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am not married, I am a single mother of XXXX ... I have a couple of debts that Portfolio Recovery Associates , LLC have called regarding ... They have called my boyfriends parents multiple times trying to get in touch with me and Saturday, XX/XX/XXXX, they gave my boyfriends father my debt information, when they debt incurred, along with the current balances as well as willingness to settle the debt ... I received my first notice this last week from this place and they had absolutely no right to embarrass me with my boyfriends parents ... My personal financial business is not anyone 's concern but my own ... I am completely humiliated ... I would have been willing to call them this morning, however, now I am so angry I do n't want to call and make a scene ... My debt should have been discussed with me and me alone!! ACCOUNT NUMBERS XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent certified letter to the debt collector requesting verification of the alleged debt. I have not received proper verification. I have requested a cease and desist letter to the collector and continue to receive calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This company continues to report this fraudulent info on my credit reports. They say they 'll remove it and they do, but they put it right back on again XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2017-09-26
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of my credit report and am disputing some items that need to be deleted. 

Name : XXXX XXXX XXXX XXXX Account # : XXXX Amount : {$500.00} Name : XXXX XXXX # XXXX Account # : XXXX Amount : {$720.00} The reasons why these items should be deleted are indicated below : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ) ]. According to the provisions of 612 [ 15 USC1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Good Morning, Attached you will find requests for investigation as early as XXXX XXXX, 2016. I have attached the response to the requests or lack of I should say. I have asked 3 ( three ) times for Transunion to investigate and correct or delete items. I have also asked for a " detailed investigation and provide how the investigation was conducted and the details associated with them '' I have also called into the company because i am receiving unwanted credit inquiries. As part of paying XXXX a month, Transunion has a " credit freeze '' When i attempt to " Freeze '' my credit it says there is an error. 

No less than 3 times i have called on this. EACH TIME they tell me they can NOT fix this. How can Transunion, a CRA, NOT be able to fix and STOP inquiries coming in? 

Not only are they causing damage by NOT investigating complaints or responding, Transunion is allowing inquiries to appear and putting the burden on me a consumer, to do their work. If their product worked as advertised and paid for, i would not have the inquiries. 

Thanks for looking into this for me. 

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 2022-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Around XX/XX/2022, a card that I had with Capital One was upgraded to a Venture XXXX credit card. At the time of the upgrade, I was told that the card would be a XXXX XXXX Venture XXXX XXXX. I was happy about that because I use the network XXXX more than XXXX XXXX. On XX/XX/2022, I received an email from Capital One explaining the new card benefits, and I replied that the card was XXXX XXXX. I called customer services the same day around XXXX XXXX ( pacific time ) and spoke with XXXX, a rude Senior account supervisor ; XXXX was not professional or showed empathy about the situation I explained to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX is reporting multiple addresses on me that are incorrect, multiple variations of my name that are incorrect, and multiple inquiries that should not be there. I am a consumer ( definition-natural living person ) .Pursuant to 15 usc 1692 ( a ) ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT WRITTEN CONSENT TO RPORT ANYTHING ON MY CREDIT REPORT. NO CONSENT IS IDENTITY THEFT pursuant to 15 usc 1692 C ( c ) ( 2 ). I am invoking my specified remedy as a consumer and the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: OPORTUN FINANCIAL CORPORATION
State: CA
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:
I have sent letters out multiple times and nothing has been done to address my issues. 
I have not received any correspondence from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX I am disputing the opening date, the reported date, the close date and last activity date because I feel it 's not correct and is inconsistent on all three credit reports. Please remove this item immediately from my credit report. 

XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX I am requesting an investigation of this collection because the assigned date and date of last activity does n't seem right. Please remove this collection 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 2017-04-27
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:
Someone initially started using first name and social to obtain medical treatment. In the late  XXXX  I had my identification including the social number and driver 's license information compromised. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with  XXXX ,  XXXX , and TransUnion over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, were in. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer its there.     For example, there was a fraudulent account reported from  XXXX   XXXX  which I disputed a few months back, and now it is the second report and for DOUBLE the amount! Instead of  XXXX   XXXX , it 's now  XXXX   XXXX .     Companies lik e are one in the same, but neither one can help  I think the credit reporting agencies are misleading millions of Americans and me. Thank you for helping me  XXXX  travel to   XXXX   XXXX  ,  XXXX   XXXX , and  XXXX  at least five times per year, and rarely check my credit report. Essentially because of my business, I live o n the road. Recent ly after pulling my credit, I noticed some fraudulent accounts I did not open. Saw an apartment and some collections and loans. Freaked out when I saw it so I looked and could n't figure out what to do I have been researching the last year to know how to fix this. Hope this yields better success than just calling the collection agencies and bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Previously I disputed the hard inquiries on my credit report and they were deleted. Recently I logged in to monitor my account and they have been added back on and this has made my fico score go down.

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 2017-04-27
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is aga inst AFNI for r eporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I inform you that I am identity theft victim because these accounts in my report are not mine. I tried to show my report to my friend and to figure out what is that and he told me that its common practice that bureaus putting somebody else accounts or simply that someone just used my personal information and managed all of this or its error in reporting. So please could you figure out why I have these items in my credit report as I do not know them and I do no recognize them and I have nothing in common with those items. Its very sad that I also faced this problem however I hope that you very soon reinvestigate and delete them from my credit report. I hope for understanding ) 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 2022-02-18
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
In accordance with Florida statute of limitations ( FDCPA - F.S. 95.11. ) the contract date of this account is way past the 5 year limit for valid reporting according to said regulation. Account should not be on my credit report, in fact JPMCB AUTO FINANCE continues to change the date on this account by reporting an erroneous payment date in order to make it appear younger than what it is, and this they continue to do despite my numerous requests to rectify the problem. Theyre claiming some credit that they issued to my account on XX/XX/XXXX. My last payment was made more than 5 years ago. In fact this account is over XXXX XXXX XXXX and the term was 42 months and since they claim I owed them the last three months of the term in reality my last payment would been 39 months after the start of the loan which was XX/XX/XXXX, or over 9 years and three months. What JP Morgan is doing to me is showing blatant disregard for the rights afforded me by the Florida Statutes, namely FDCPA - F.S. 95.11.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: JNR Adjustment Company, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received calls at XXXX XXXX on XX/XX/22, as well as calls on XX/XX/22, and XX/XX/22. Spoke briefly to a representative who said they were trying to collect a debt from XXXX XXXX XXXX, I told them only time I used XXXX was when my truck was rearended and that the persons insurance took care of it. I told them to stop contacting me. this was on XX/XX/22. They called again on XX/XX/22. I did not accept phone call thinking this may be a scam. I also checked with XXXX where I rented the car and my account with XXXX was paid in full. I am on DO NOT CALL LIST and want them looked into and to stop calling me. Company is XXXX XXXX and their phone # is XXXX ( XXXX ) XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am XXXX XXXX XXXX, consumer and natural living person submitting this complaint with no third party involved. 

Experian, specifically Experian 's secretary XXXX XXXX committed fraud on my consumer report. I did not consent, benefit, nor authorize these accounts on my consumer report and XXXX XXXX has failed to provide documentation proving otherwise in the time allotted.

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