BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: BARCLAYS BANK DELAWARE
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 have a loan with BRCLYSBANKDE. The current status should not be showing late because I paid it on time. XXXX and XXXX Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise udate this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
BRCLYSBANKDE XXXX Date Opened : XX/XX/2019 Balance : {$1800.00}.

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 explanation
Consumer complaint received 2023-10-15
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Banks Is Charging Me Junk Fee And Illegally Taking Money From My Account They Are Charging Me Fees For Debit Card Transactions Where The Funds Where Available

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: MI
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 have 2 credit cards that I had settlements with I paid both of the settlements off in XXXX of this year ( 2022 ) the XXXX XXXX XXXX still shows a balance & the XXXX XXXXXXXX XXXX also shows a balance I've submitted to the credit reporting companies a lot of times & nothing is changed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Ark-La-Tex Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I recently was approved for the partial claim loan and the amount was for XXXX. I also made a payment in XX/XX/XXXX for XX/XX/XXXX of XXXX which totals to XXXX. I am not sure why there is still a balance for XXXX for the month of XX/XX/XXXX. I was informed that the payment I made in XXXX for XXXX is in a suspense account and has not been applied to the mortgage payment. I have made several attempts to call the mortgage company and I need details as to why there is still a balance showing that should have been cleared. XXXX payment due date is approaching and I am very concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please delete these fraudulent Inquiries and accounts from my credit report. I have included the Identity theft report as well. 

Fraudulent Inquiries : 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

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 2022-12-19
Company: Experian Information Solutions Inc.
State: MI
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 have 2 credit cards that I had settlements with I paid both of the settlements off in XXXX of this year ( 2022 ) the XXXX XXXX XXXX still shows a balance & the XXXX XXXX XXXX also shows a balance I've submitted to the credit reporting companies a lot of times & nothing is changed

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 2021-01-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had few credit cards from Citibank that was closed by the bank - while I was out of country during the Covid timeline. I tried calling the bank multiple times but was not able to get the necessary help and eventually the credit card was closed with a negative remark on my credit history and I also lost all my credit rewards / thank you points. 

As I am not able to return to US due to visa restrictions I tried calling Citi from XXXX but on each instance the wait time was horrible and after jumping between different departments my calls were terminated. 

It was a very unpleasant experience and given that I had multiple cards I ended up getting most of my credit cards closed due to the negative remark on my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have been patiently waiting on the Bureaus ' response to the written requests I sent with regards to WELLS FARGO BANK with account number XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

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 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
SELF :. XXXX XXXX XXXX COMPANY :. XXXX, ie, XXXX   XXXX XXXX :. XXXX XXXX COMPLAINT : XXXX Please contact XXXX/XXXX XXXX and XXXX XXXX regarding an account that has been closed since XX/XX/2019. 
Let them know that they are ILLEGALY reporting me to the credit bureau and PURPOSELY lowering my score in order to block me from obtaining any lines of credit. I CLOSED THESE ACCOUNTS due to an illness, unabling me to work and pay my bills. Several letters were faxed to these Companies from my Doctor 's Office explaining that my condition is permanent. I am going to be in a financial handicap, and can not afford any payments on these accounts. The COMPANIES EACH RECEIVED THE Doctor letters and REFUSE TO CLOSE THE ACCOUNTS AND STOP COLLECTION EFFORTS. Lowering my credit score is a illegal practice and I need you to investigate and put a CEASE TO these practices. Thanks. 
TLM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. 
The following accounts are listed below : XXXX  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 explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX 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 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
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is my SECOND 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 XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXX XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX XXXX XXXX : {$270.00} XXXX XXXX XXXX XXXX Balance : {$10.00} ; XXXX XXXX  Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2022-03-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-10-26
Company: Tower Loan of Mississippi, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Tower loan added on a roadside assistance plan to my account. I asked them to remove this at the time of the loan but they didnt. I now have trouble making my payment due to covid but they refuse to refinance or remove the roadside assistance. They also have called my family the doesnt live in the house and told them I need to call and make payment immediately. I thought it was illegal to discuss my debt with anyone besides me.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: NY
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:
I am writing to express my deep DISAPPOINTMENT with your recent claims regarding my accounts. I AM REJECTING THESE CLAIMS ON THE BASIS THAT YOU LACK ANY MATERIAL FACTS OR EVIDENCE to support your assertions. As a result, I strongly urge you to initiate a thorough investigation into these matters without delay. 

Your claims have cast a shadow over my financial standing and have the potential to cause severe harm to my creditworthiness. It is imperative that we resolve this situation promptly and accurately. 

I insist that you immediately dispute these accounts and provide me with clear, documented evidence to support your position. Failure to do so will leave me with no choice but to seek a legal remedy to protect my rights and rectify this situation. 

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX is in clear violation of the CARES ACT. As described in the CARES ACT, I made arrangements with XXXX XXXX XXXX XXXXXX/XX/XXXX, while my account was still current to make reduced monthly payments. I explained to them that I lost my job during COVID and I had not been called back yet. They Agreed to accept $ XXXX and to waive late fees. According to the CARES ACT the Company is supposed to report the Consumer as Current as long as the Consume adheres to the agreement. I faithfully adhered to the agreement and I was still reported as NO Payment 30 days late monthly and that continues to this date XX/XX/XXXX. The XXXX XXXX was signed into XXXX to protect consumers ' credit. Please see the attached copy of the CARES ACT as it relates to Businesses and Consumers. 
As a result of their violation of the CARES ACT my XXXX XXXX has dropped at least XXXX points. Other creditors saw the drop in my scores and followed suit to either lower my credit limit on existing accounts or close my account altogether eventhough I was current. 
I reported this violation of the CARES ACT to the Credit Bureaus without any results, XXXX and Transunion. I Disputed credit report errors with the bureaus and the creditor and according to the CARES ACT, " Credit bureaus now have 45 days to correct errors, normally under the FCRA they had 30 days ''. They did not make any corrections. However, the Bureaus did state to me, if Capital XXXX agrees, they will manually remove the erroneous " 30 Days Late '' from my Credit Report. The CARES ACT was a law. Why, should the Erroneous Reporting Only be removed if XXXX XXXX Agrees?

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 2023-09-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are unauthorized inquiries reporting to my credit profile that are preventing me from opening new credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are also reporting my name misspelled. They have it reported as XXXX XXXX XXXX and XXXX XXXX. My name is spelled 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 2022-12-17
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I made on time payments with Synchrony Bank and missed XXXX payment due to using my debit card to purchase gas for my car. My {$60.00} purchase was charged for {$120.00} with half the amount being held for several days. Due to this the payment to Synchrony Bank did not go through and I was actually charged that amount as an overdraft fee. My bank reversed the fee back to my account and I contacted Synchrony and explained the situation and made my payment to get back to good standings. Synchrony lowered my line of credit from {$5000.00} to {$800.00} which had a negative effect on my credit score. By default my debt stayed the same but my credit utilization increased so my score lowered even further. 

After making my most recent on time payment I was informed by Synchrony Bank that my account had been closed because I missed a payment and because my credit score was not high enough. My score was over 700 pre-pandemic and now it is under 500. My complaint ( s ) are not just with Synchrony Bank but also with XXXX XXXX and XXXX XXXX that hold funds from your personal account for several days as a result of being a customer with the businesses that utilize their services. 

I contacted XXXX to see who to file a complaint with and the agent put me on an endless hold without even informing me that I would be placed on hold. I feel that the credit card and financial institutions along with the credit bureaus have unfair practices towards those who are impacted most by financial hardships.

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