BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I made a {$250.00} payment to my card so that I could book a hotel for a wedding. On XX/XX/XXXX, I made an additional {$400.00} on XX/XX/XXXX. 

This final payment was enough to bring my bank account down to below {$200.00}. Normally, my revolving credit is available immediately after payment. However, this time Citi put a hold on my account and prevented me using my available revolving credit. So not only was I unable to use my CITI card, but I could also not use my bank account because citi was in the process of drafting {$400.00} ( and had already drafted {$250.00} ). 

This essentially prevented me from any spending activity unless I wanted to risk an overdraft. 

Not only this, but the bookings I had to make expired, and I ended up having to make new bookings at more than double the cost using my partners account. No billion dollar company should be keeping my money from me. 

It has been a week and I still dont have access to my credit.

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 2018-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am attempting to connect an external bank account ( checking ) to my Capital One 360 account but it gives me the error message " Capital one is blocking you from enabling external applications ''. It also will not allow me to add the bank into my capital one 360 account through capital one. 

Also, I am attempting to transfer money from my Capital One 360 account into my XXXX account but I get an error message that says " To comply with government regulations, this transaction has been declined. '' I get an error message through XXXX, however, it is just showing that the money was blocked by Capital one and XXXX stated that they did not have any error message or errors on their end because the transfer request was blocked by the bank. I have contacted capital one multiple times with no resolution or no attempt to look into the matter. The instruction was to contact XXXX each time and that they didn't have an error message on their end, which I did to no avail. Because I did get the 'failed ' error from XXXX and now that I found that Capital one is blocking access to their account, I believe it is on the bank 's end that the transaction was blocked. Also, I am able to transfer money without problems from my XXXX account into my Capital One account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Transunion has been charging me a subscription fee for XXXX  years and I can not access and have been locked out of my account. I can not use Transunion and they are committing fraud by taking a fee for a service that is unusable and I can not get it corrected.

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 2023-05-25
Company: Fig Tech 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX is already been paid on full I ask them to deleted they refuse same as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, fig possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Medical Data Systems, Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : On or around XX/XX/XXXX a letter from XXXX Law who is acting on my behalf forwarded a dispute and inquiry to XXXX. XXXX received this dispute and inquiry as no return letter has been given to myself or XXXX XXXX to establish a wrong address. Therefore, the XXXX address is correct and mailing was complete. Thus, it is presumed XXXX received this letter pursuant to Florida and Federal law. 

See the case Perry v. GMFS , LLC, No. 2 : 18-cv-01572-MHH ( N.D. Ala. Sept. 23, 2020 ) ( " The presumption of receipt arises upon proof that the item was properly addressed, had sufficient postage, and was deposited in the mail '' ) ( " citing Barnett v. Okeechobee Hosp. , 283 F.3d 1232 ( 11th Cir. 2002 ) '' ). See also Berwick v. Prudential Property & Cas. Ins. Co., 436 So. 2d 239 ( Fla. Dist. Ct. App. 1983 ) ( " It is presumed that mail properly addressed, stamped and mailed was received by the addressee '' ). 

IN THIS INSTANCE DSK Law properly addressed and mailed to XXXX the dispute and inquiry on my behalf. Experian has received the dispute and inquiry from XXXX XXXX. Thus, XXXX is purposefully refusing to investigate and respond back to XXXX XXXX with the results of the investigation. 

Furthermore, XXXX is continuing to allow information that has been identified as information being reported as a result of identity theft ( i.e. XXXX XXXX XXXX ; XXXX XXXX XXXX ; Medical Data Systems, Inc ; XXXX XXXX ) and allowing outdated information to remain on my report ( i.e. XXXX XXXX XXXX XXXX being remaining more than seven ( 7 ) years on my report ). 

Please investigate this matter as XXXX is attempting to circumvent the legal process and avoid their statutory duty pursuant to the FCRA to investigate and respond accordingly to the findings. 

Thank you for your attention to this matter and I look forward to hearing from your office soon. 

Sincerely, 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 2023-10-19
Company: EQUIFAX, INC.
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: Bread Financial Holdings, Inc.
State: PA
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 sent a check number XXXX from my bank XXXX and XXXX XXXX XXXX XXXX. The check was never cashed by the credit card and I was never notified by the credit card that my payment was not recieved, by phone or email. I accidentally found out when I tried to get gas and my card was declined. I was not contacted by the credit card to be informed that my payment was not received. I called the company as soon as I found out and made a payment immediately. I requested, as a courtesy, to have the late fee and interest fee waived, because my account has been in good standing and I wanted to know why my card was declined. I was told that because the fee was waived back in XX/XX/2019, I am no longer eligible for a waived fee. When I asked to speak to a supervisor I was told that no supervisor was available to speak with me and that I can call back later if I wish. When I called in there was a pre-recorderd message talking how Comenity is " there to help if you face financial hardship due to COVID '', however, if Comenity is not able to help me with a late fee and interest fee adjustment, how could/should anyone trust that they would help them during COVID hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
Hello I did not see a selection that specifically dealt with my complaint, This complaint is specifically about the business practice of navy federal credit union application criteria process. 

The process is vague and flawed, XX/XX/2023 I made an inquiry ( live chat ) as to what specifically, were they looking for in order to apply for a personal loan, I specifically asked " can new members apply for a personal loan? '' the answer was yes, I then asked, How long do I need to be a member to apply?, I was told specifically, ( see text log ) as soon as the account is created, based on these comments, I made a decision to apply on XX/XX/2023 On XX/XX/2023 I received a denial letter with one of the factors being, I did not have sufficient time with the credit union, It felt like a bait and switch, As a new member, I would have waited until the required length of time and then applied for the loan. Either the representative is untrained or the credit union is deliberately enticing people to create accounts to get more applications, either way, I was harmed, I could have applied elsewhere and received the loan, this credit took that option away, At this point, I do not desire to take legal action, but would ask that my application be appealed and reconsidered without the factor of " length of membership ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: FL
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. 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 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 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 2020-08-12
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


this was an unauthorized inquiry On XXXX and transunion and XXXX but, when I check my credit score though XXXX ( Capitalone card ) It shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Who in the XXXX knows why the same bureau reports differently I called the number at Small Business, the receptionist said they had hundreds of complaints and transferred to a line where it said the wait was over 2 hours, I was 109 in line. 

These credit bureaus need to be doing a better job. Now I have a credit alert for their failure and XXXX around with credit freeze

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 2023-07-01
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 NUMEROUS 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 inquiries 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 inquiries : 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

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 2020-08-12
Company: EQUIFAX, 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:
Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The following is a copy of the email I received for a debt that does not belong to me. It's the only email I ever received from the company and there was no subpoena attached. 

Dear Customer, We still have not received any response from your side in regards to your XXXX XXXX account XXXX As of now rather than chasing you for money, we have simply decided to write this money as loss, stolen and press charges against you. Now the legal case which is going to be filed against your name is under section 9 chapter 19. 

The company has all the rights and authorities to inform your current employer about what you have done in the past and shall be the result and the consequences, once this case will be downloaded and executed with the judgments against you, which could lead you to termination. 
Also the non repayment of a loan could be reported by the lenders to three major credit bureaus, causing severe damage to your credit history or credit report.

The copy of the subpoena will be forwarded to you Human resources or the legal representative of your firm, where in they have to appear in the court while the case is on, that could lead to you termination from the full time employment and by forwarding the subpoena to social security any child support, disability, unemployment or retirement benefits will be either place on hold or will be stopped until the outcome of the case. 

This will also be reported to IRS which might lead to LEGAL PROCEEDING. 

Before proceeding ahead we just want to ask you for the final time whether you wish to take care of this loan account of yours or not.

We are willing to provide you a one time settlement or payment arrangement as per your convenience.

Do revert ASAP as you merely got three business days to respond. 



Thank you. 





Manager Legal Department XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX, LA XXXX, United States

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2023-09-15
Company: Kriya Capital, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After reviewing my consumer report, I noticed that Credence Resource Management has placed a collection account on my consumer report. I have not received a call or correspondence from your company before or after the collection account appeared on all three major credit agency reports ( XXXX, XXXX, and XXXX ). Therefore, I wasn't allowed the opportunity to dispute prior to Credence Resource Systems violating my consumer rights, grossly misrepresenting my debt, and defaming my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: DISCOVER BANK
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX, XX/XX/2023, I called Discover Bank at XXXXXXXX XXXX XXXX with instructions to issue a Cashiers check. The agent processed the check without asking who I wanted to check to be payable to. When I let her know she didnt ask who the check would be payable to, she said no problem, XXXX get someone to help reverse the error. I was transferred to a second level who informed me I would have to wait XXXX business days before the funds would credited. I asked for a supervisor and was told the same. I explained I didnt have the funds to send for a second check and needed my money credited back. These proceeds were for a legal settlement. The supervisor refused to credit my account while acknowledging their error. How can they refuse to credit my account for their error?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Incomm Holdings Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a vanilla gift card at XXXX on XX/XX/2023. The card was supposed to be worth {$75.00}, my total at XXXX was {$79.00}. I haven't been able to use the card at all. I called support immediately and filed a report, sent pictures of my receipt, and driver 's license, and I've called the number on the back of my card XXXX times a week since the case was opened in XXXX and they will not respond. I have a case number I will provide upon request. Lately, when I call customer service, they tell me they have my documentation and they will " escalate '' my file and to call back in XXXX business hours... Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Reference # : 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

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