BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-19
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Barclay Bank has reported this twice to my credit file removed it only. to add it back for the amount of 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 2022-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Company unlawfully flagged account ( XXXX ) as unpaid, fraud as a result of their apps error. Account ( XXXX ) reflect all payments as well as communications on record held by the company as well as private recordings held by customer in support of these affirmations. 

Capital One stated and/or otherwise affirmed that they paid from their private account funds totaling {$340.00} including interests and fees. 

Capital One stated that customer has a balance of {$340.00} available in the account which customer authorized them to utilize in paying off and settling any monies that are due or that customer is responsibly for in the amount of said {$340.00}. 

Capital One is obstructing the customer from benefits agreed upon and from unmolested use of the card both depositing, withdrawing, and proper credit reporting. 

Capital One is threatening to falsify credit reporting documents as well as share credit reporting and sensitive information concerning customer without consent and authorization. 

Customer DOES NOT CONSENT to Capital One sharing any information to any persons or agencies including but not limited to Addresses, Signatures, Social Security Numbers, Account History, etc. 

If the customer has entered into any agreements with Capital One knowingly or unknowingly whereby these actions are deemed permissible, customer has formerly and does currently reserve all rights and moves for the rescission of the agreement between Capital One unless immediate remedy and recourse is attained. Such remedy is to include but not be limited to reopening of closed accounts or reissue of new account or account eligibility. 

Additionally, it is unlawful to be denied credit or for any creditor to discriminate against any applicant as it creates an adverse action pursuant to : Title 15 USC 1691 Chapter 41 Providing Scope of Prohibition ; 15 USC 1681 Providing Congressional findings and Statement of Purpose 15 USC 1611 Providing for the Criminal liability for willful and knowing violation 12 CFR 1002.4 Providing for Discrimination, Discouragement, and Scope of Rule concerning dealings between an applicant and creditor.

Additionally, the illegalities of finance charges and down payments are defined, established, and lawfully remedied in : Title 15 USC 1605 Providing for the Determination of finance charges ; 15 USC 1662 Providing for the Advertising of downpayments and installments ; 15 USC 1635 Providing for the Right of Recission as to certain transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10
Company: DISCOVER BANK
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a Discover loan. I have excellent credit ( XXXX ), but because I needed a slightly extended loan term, I accepted their loan offer of 12.99 %. 
My expectation was to pay the loan off earlier with extra payments toward the principal. My beginning balance was more than I borrowed, but my loan didnt have any fees. Customer service said that it was interest that accrued before ever receiving my first statement. My credit report showed that I had a larger balance than my loan amount. 
I continued to make regular payments that were larger than my minimum payment and noticed that my balance didnt reflect the extra payments toward the principal. I was sure to select the option that directed the additional funds to be applied to the principal balance. 
I used an amortization calculator to double check my math before contacting customer service again. The representative that received my call first tried to make me believe that there was no problem, but after walking through my calculation with her, she admitted to having brought up the misleading practice to management before. She said the only way around losing so much of my extra payment was to pay the extra via a separate transaction. 
For my XX/XX/2021 payment, I tried her suggestion, and it didnt work. I made my minimum payment before its due date, and allowed it to process, then made the extra payment on the due date. I realized that I lost about 22 % of the money I allocated toward the principal balance. 
This practice is predatory and misleading, and my payoff amount is always more than my principal. Ive never been late or missed a payment. 
I could really use your help. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-08
Company: ACIMA CREDIT, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Dear agency I am very frustrated to see a business is functioned in this country so unethical and fraudulent. I am seeking your consumer 's authority to help me resolve that issue with Acima Credit FKA. 
In XX/XX/2018, I went shopping for some appliances, the store manager has informed me about the great easy financing program that is available for the customers. I certainly read the terms and agreement of contract. The agreement, I allow them to withdraw x amount of money in my account every two weeks for 3 months, within 3 months I should pay in full at the end of the 3 months I called they granted me an extension for 10 days i paid XXXX XXXX for the extension. According to the agreement once I paid the appliances in full after the extension I owed {$00.00} I was done with you. 
I called the customer service the day for the deadline to pay off the bill, while I was giving them my debit card information they hung up on me. I persisted to call back many times until I got through. I gave the representative my card information to pay off the amount due. After a long wait on the phone, he told me : the card has declined. I replied to him, I said did you have the right number? He said, I told him impossible, at that time I was with my girlfriend I asked my friend to call my husband for me in another line to take his card. The representative told me same thing the card has declined. 
I went and hung up with him, and I called my husband to explain the situation. My husband immediately contacted both banks where they issued the debit cards. They have informed him NO ONE have atempted to withdraw no money at that time. I went again called ACIMA to explain to them that the banks said they no one has contacted them regarding my account. They finally took my card information and told the card went through. I made sure the bill was taken care off. Two months later, they went back to my account to withdraw payments. They took five payments, with your help and my bank they stop and refund the payments. Surprisingly, I just discovered they sent me on collection bureau. 
I think this is unfair and deceptive for a legal business to behave that way. Also, it is a violation under Fair Credit Reporting Act for a creditor to report the WRONG information on consumers. And they have committed an act very malicious and fraudulent, they know for fact I don't owe them any money that's the reason they didn't sell the account with debts collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX Balance {$160.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX Balance {$32000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance {$39000.00}

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 2022-05-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this debt with all three credit bureaus and I have filed a complaint with CFPB as well. This debt is being passed around from debt collection company to debt collection company to see who will collect first. It is not fair to me when this is not and has never been a debt of mine. I have no idea how or when this bill was paid or why it stopped getting paid. This account has been taken off of my credit by the original creditor due to lack of validation but the debt collection companies do not care if the information is valid not as long as they can make money off of the innocent. This is not good business or fair to those of us who are doing what is right. If we do not use our credit because we are not constantly buying things how would we know that bad people are doing things with our credit. This XXXX XXXX XXXX has two different accounts and that alone should have thrown up a red flag but no one seemed to notice. I live alone, my kids are grown and I have informed mail delivery so I see everything that comes to me before it goes to my mailbox. None of the things that I am disputing has ever come to me. This is why I am requesting to have this false information removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX wells fargo bank sent me a letter of apology with a cheque valued at {$400.00} for a set-off that was performed in error from my savings account. The set-off performed XXXX XXXX, XXXX was to cover an overdraft in my checking account for {$310.00}. This process was not suppose to be carried out since I had previously removed the link between the two accounts. 

I called the bank explaining to them the errors in this situation and that the money was intended for my car payment. Despite my explanations they said " we can do whatever we want with this money. '' As a result my car was repossessed XXXX XXXX, XXXX because they took a portion of the {$2300.00} I had in my savings for the loan provider. Even though I explained to my loan provider what the bank did the loan provider would not accept anything less then the full amount.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX  : {$12000.00} ; XXXX XXXX XXXX  : {$290.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX : {$700.00} ; XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
{$4100.00} Original creditor : OPENED in XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Reported in BK XXXX XX/XX/XXXX Sold twiced opened in XXXX after being BK XXXX was filed and dispmissed.. Continues to bring my credit scores down.. Disputed in XXXX and No respond Overview You've paid off 0 % of your collection amount. 
Balance {$4100.00} Highest Balance {$4100.00} Opened XX/XX/XXXX ( 2 yrs, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Dismissed Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem with personal statement of dispute

Complaint:
Subject : Dispute and Request for Investigation of Inaccurate Collection Account Reporting - Account Number : XXXX To Whom It May Concerns, I am writing to formally dispute and request an investigation into the inaccurate reporting of a collection account from XXXX XXXX, bearing the account number XXXX. I have observed a significant discrepancy in the reported dates of last activity for this account across the three major credit reporting agencies : TransUnion, XXXX, and XXXX. The conflicting dates are as follows : TransUnion : Reported last activity date - XX/XX/XXXX XXXX : Reported last activity date XXXX XXXX XXXX  : Reported last activity date - XXXX  These inconsistent dates have raised serious concerns about the accuracy of the information being reported on my credit reports. In accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to ensure that the information presented accurately reflects my credit history and financial standing. 

I kindly request a thorough investigation into the collection account associated with the account number XXXX, specifically focusing on the reported dates of last activity. I am eager to understand how such varying dates were obtained and computed. The information reported by the credit bureaus significantly impacts my creditworthiness and overall financial well-being, and it is imperative that it is consistent and reliable. 

Enclosed with this letter, you will find copies of relevant documentation that provide substantial evidence supporting my claim of inaccurate reporting. I believe that a comprehensive examination of these materials will confirm the existence of discrepancies that require immediate resolution. 

I respectfully request that you conduct the investigation within the mandated 30-day period as stipulated by the FCRA. Furthermore, I kindly ask that you communicate the results of the investigation to me in writing. Should the investigation affirm the presence of inaccurate reporting, I expect the erroneous information to be promptly rectified or expunged from my credit reports, as per the provisions of the law. 

I am deeply committed to maintaining precise credit information and appreciate your assistance in upholding the integrity of my credit reports. Please do not hesitate to reach out to me via email or phone if you require any additional information or clarification regarding this dispute. 

Thank you for your prompt attention to 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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I found out that credit reporting agencies still indicate my dispute of information in my credit report. Asof todays date, 3 credit bureaus have not responded to my dispute. According to the Fair CreditReporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check thepayment history, date open, last activity, and Status of the listed accounts which I believe were reportedin error. 
XXXXXXXX XXXX XXXX XXXX  Balance : {$260.00} ; XXXX XXXX XXXX  Balance : {$280.00} ; XXXX/DEPT OF ED XXXXXXXX XXXX XXXXXXXX : {$3700.00} ; XXXX/DEPT OF ED XXXXXXXX XXXX  Balance : {$6900.00}

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 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I founding fraudulent account on my credit record some one used my information and opened the accounts I listed.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. Please take the time and consideration to remove the late dates and negative remarks from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. Im never been late on my payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I want the late dates to be removed. XXXX XXXX XXXX XXXX XXXX XXXX, and 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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
After reviewing my credit report. I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent and violated my rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief