BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have looked and my credit and notice many, many inquiries and a couple or several accounts inaccurate and not correct due to identity theft, They keep coming back verified and ask for additional information, when disputing, how can a consumer provide additional information on a account that isnt theirs.Also the large amounts of inquiries and fraudulent, unauthorized or unauthorized selling and using of my credit reports with out knowledge or consent. I get told they can not be disputed, but the FCRA states I can dispute anything un true, not mine or inaccurate, it does not exclude inquiries.I expect the companies to verify these inquires to the fullest amount allowed by law, but they do not and when I call some of the companies the say they have no record of that inquiry and tell me to dispute it with bureaus .See it easier and cheaper for these companies to just report these inaccuracies, then to fix them by investigating them .So to keep it simple I would like for the credit bureau to investigate the list of inquiries, cause it is to many to list that fraudulent, or unauthorized, and of dispute the derogatory accounts as well as XXXX XXXX XXXX who is reporting a fraudulent account and also reporting a in correct date, by saying the collection is recent of 2014, that is with them, but law states the must report the original date of collection which was many years ago then that before it became fraudulent and was sold to them, they are basically re again the account to damage a consumer score more, a complaint has been filed against them as well.Also I have viewed all of my good accounts and they are all up to date and correct, which that part I am glad to see, but the part that is damaging score as all these inquiries that arent mine is a taking a big toll on me by lowering my credit score and causing me many denials when I did apply.

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 2022-09-17
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  N A Has Violated my rights.

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1618 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-30
Company: Chime Financial Inc
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to log in to my account following the directions stated by the bank. I tried this 6 different times with bank personnel " helping '', to no avail. I reinstalled their app 4 different times at their request, and changed passwords at their request. They send a verification code which I utilized with their interaction. The code they sent was denied each time. It is my firm belief that ; ( 1 ) the bank purposely is denying me access due to theft or fraud; ( 2 ) deliberately attempting to cause harm to me as they've been informed of my age ( XXXX  ) and my medical conditions. They requested my last transaction, which I gave them and then they say it won't work. My identity is verified BEFORE I speak to anyone. This bank violates every rule of customer service. They are refusing to allow me into my account due to harassment or fraud or theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
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:
In accordance with the Fair Credit Reporting act XXXX Account * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A Has Violated my rights.

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1618 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have XXXX XXXX from Merchants Credit Association contacting me at work after I have asked to not contact me at work. I left a voice message indicating to her not to contact me at work and she keeps contacting me at work. They have my home phone number and will call everyday and not leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an American Express credit card. I had a balance due on XXXX XXXX for {$3100.00}. I made a payment on XX/XX/XXXX for {$2000.00} and another payment on XX/XX/XXXX for {$1000.00}. The payment for {$2000.00} was returned on XX/XX/XXXX because I didnt have enough money in my account. It was unintentional and I sent a new payment on XX/XX/XXXX. As of XX/XX/XXXX, I had paid my balance in full. The Statement was from XXXX XXXX XXXX. I got charged a return payment fee of XXXX ( which was later reversed ) and Interest Charge on Purchase for {$45.00}. I assumed the Interest Charge on Purchase was for the 4 days I was late. Then, I had a payment due on XX/XX/2022 for {$1300.00} which I paid in full on XX/XX/XXXX and XX/XX/XXXX. To my surprise, I received another Interest Charge on Purchase for {$31.00} on XX/XX/XXXX after I paid my entire balance that was due on time. When I called them about it this morning they said it was a residual fee. It was going to take paying my bill on time for two billing cycles to resolve. I should have not been charged this fee because I paid my entire balance on time. This charge should not be allowed and its hurting consumers. It also makes so sense. I am still trying to understand how I got interest for a payment I made on time. Am Express said they were going to remove it, but it should not be allowed and its unlawful. They are committing a crime by charging people these fees that make no sense. I think we wall know we have to pay a fee when we dont pay the full amount on time. However, there should be no penalty for paying in full on time. Also, I already paid a fee last month for my late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX XXXX, Convergent Outsourcing Inc, reported a debt on my credit reports without contacting me nor giving me the rights to dispute this debt that was reported in my credit reports for 7 years by another company and was removed since the statute of limitations to collect had expired. I have proof of the collection which reported on my credit report from XX/XX/XXXX to XX/XX/XXXX. The statute of limitations in my state is 7 years to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This account has been paid in full but still remains on my 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 non-monetary relief
Consumer complaint received 2022-09-17
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I issued two stop payments on XX/XX/2022. Both of the checks for which the stop payments were issued for cashed on XX/XX/2022. XXXX was for {$3000.00} and the other for {$10000.00}. This was a vehicle which was misrepresented when the sale was made. I was even charged for the stop payment fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Received a letter from Wal-Mart 's Capital One Master Card Stating Important Information About Your Account Dear Me Recently during a regular account review, we noticed you've only been using a portion of your credit line. To better fit your card usage, we've reduced your credit limit to {$4000.00}. It had been {$6000.00} and this company is punishing myself for always paying my balance off every month and for not making them money with charging me interest. I have for the past year every month received a XXXX SCORE of over 800 and feel this company is completely out of line reducing my credit limit for being a good consumer. I called them and ask why and it was stated that I did not use my card enough. So you feel I don't use my card enough and that gives you the right to punish/bully me? Sorry was what I was told. Wow that's a first for me. I am a home owner for 21 years now and all my bills are always paid on time/never late! I mean what has this country become when you do what's right and these bullies reduce your credit limit on a Capital One Wal-Mart credit Master Card? Little do they know I had planned on using it and spending a great sum of money online for this Black Friday XX/XX/XXXX but they chose to highly XXXX me off and won't see another XXXXl from me ever again. I will be sure to let all know that Capital One located in XXXX, NC XXXX are truthfully a bunch of bullies. I only had to use their card do to Wal-Mart changing their previous stores credit card being XXXX XXXX and that was a year ago. Funny thing is Capital One just sent me a Congratulations on one year with us! In my previous statement/bill that will be paid in full on XX/XX/XXXX and I get this letter from them two days later on my punishment's/reduction in my credit limit. So they really are a bunch of bullies and the world should know of their unethical business practices. Again they messed with the wrong consumer for I will be a thorn in their side till the day I die! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: SUNTRUST BANKS, INC.
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have multiple letters from SunTrust that are deceitful, misrepresenting my submissions to them, misleading as to the mortgage modification process, and a violation of FDCPA collection laws and the XXXX. I have detailed the letters and actions in the accompanying letter as attached.

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 2022-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I reported that my credit card had been stolen on XX/XX/2022. Bank of America sent me a new card on XX/XX/2022 and I never received the card. No purchases were made on my account since XXXX because I did not have a card. On XX/XX/2022 fraudulent purchases began to show up on my card statement up until XX/XX/2022. I noticed it and reported the fraudulent purchases and all of my money was returned from those purchases besides one transaction on XX/XX/2022 for {$460.00}. I did not have possession of this card at all. I never received the card. I was told that my chip was read, my pin was entered, and/or I signed for the merchandise or service, which indicates I or someone I allowed to use my card was present. This is not possible. I did not have the card and this transaction took place during the time frame where the fraudulent transactions were taking place. Someone may have signed for the purchases and it was not me. I never had possession of the card. I called bank of America to get it resolved nothing materialize.

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 2015-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There are XXXX accounts from XXXX XXXX XXXX that are reporting inaccurately onto my file, XXXX XXXX XXXX # XXXX ... & XXXX XXXX XXXX # XXXX ... I have disputed them numerous times with the agency and they refuse to correct the inaccuracies and verify the items correctly. I have asked them to delete them since they remain incorrect and they refuse to speak with me to do so. I have repeatedly asked for them to provide me proof of verification, evidence of their investigation, reference numbers or absolutely anything and they do not show me or tell me anything. I have contacted XXXX XXXX XXXX regarding these XXXX accounts and they have repeatedly told me that no one has called or conducted any type of investigation from any of the credit reporting agencies. I am concerned as to why these accounts are allowed to remain falsely reported on my file. I will complain until this is properly removed! These accounts are hurting me and contain false dates, payment histories, balances and status codes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This account has been paid in full but still remains on my 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 non-monetary relief
Consumer complaint received 2016-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm victim identity theft I have disputed this with transunion XXXX for sum of {$250.00} was deleted not mine some one with similar name removed back on XXXX XXXX sum of {$3900.00} wow deleted due too not mine some one with similar name back on transunion has negelected me buy removing paid as agreed loans such as ford acct XXXX sum {$35000.00} removed its positive account opened XXXX XXXX closed XXXX XXXX ally financial opened XXXX XXXX closed XXXX XXXX sum of {$27000.00} they have been called they see it in there archives I have asked for them too re-report it they agreed too put it back on due too typo error in there behalf yet too be re-reported I asked them please put back on my loans with texas XXXX XXXX XXXX loans starting in XXXX XXXX sum of {$32000.00} closed in XXXX XXXX then XXXX XXXX closed in XXXX XXXX sum {$18000.00} then XX/XX/XXXX closed in XXXX XXXX sum of {$25000.00} nothing they will not re-report what they removed with out my consent nor do they care about what there reporting I have for some on reason XXXX inquiries from XX/XX/XXXX too XX/XX/XXXX wow I have begged them too delete these inquiries there hurting me really bad there not mine according too the fcra they must delete everyone them at once due too fraud there wanting police report I sent lawyers report as town I live in do n't do reports as I told them my attorney gave me statement too mail them they ignored it they have done nothing but injure me really bad I hade XXXX fico XX/XX/XXXX know I do n't know there not following the fair credit reporting act please help me 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 explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act which it said by law, I have rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXXAccount Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX  XXXX Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to the address I put on the form area. 
Thank you for your time and help in this matter. 
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 non-monetary relief
Consumer complaint received 2020-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
1.-Capital Bank made mistake by their software system processing a payment that was rejected however, the payment to the card was made to have the balance available and make an online purchase. 

Purchase was approved and inicial payment failed, as a result " overdraft credit limit '' When I found it out, I immediately called to report what happened, they verified what happened, and after a while they have closed and canceled my two credit cards. 

I appealed the decision, without success. 

Then I went through hard times like everyone else and I had a lot of mess in my payments. 

When I got my unemployment insurance payment because of pandemic, I made payments but then the minimum payment was impossible for me to pay, even today. 

I have called more than once a month looking for some kind of program or relief. But apparently my account has a red flag because the representatives changed their tone of voice once they entered the detail of my account. I explained that the pandemic affected me with lack of employment and XXXX due to XXXX. 

Empathy and affordable options, that's all I ask

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I noticed inaccurate and unverifiable information on my 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 non-monetary relief