BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions 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:
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 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 explanation
Consumer complaint received 2022-07-06
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Today is XX/XX/22 and over the last few weeks I have been attempting to close my account with Barclays. I had a credit card with XXXX XXXX. I was notified many times that Barclays would be taking over. I was not told that my current credit card would stop working one day and that days later I should expect to find a new card in the mail. Also during that time I could not access my account to make payments ; the new card information was required to access my account. I called several times trying to get the new card mailed to me again because I never got one in the first place and this process took several hours over days. The customer service could not help. I was switched to different people to talk with constantly. I was even given a manager number to contact that was actually the fraud line. The customer service reps gave me attitude and no help at all. Today I finally think I closed and paid off my account. I asked to make a formal complaint and I was yet again put on hold and after five minutes or so was disconnected. I feel powerless to Barclays. I still can not access my account to verify that my account has been paid off. I just have to trust that the horrible customer service reps actually did this for me as well as closed it. I cant make complaints with them or get any help. Im just put on hold for hours. I have a job! This is not fair or ethical, and I believe Barclays needs to be held accountable.

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 2023-01-01
Company: EQUIFAX, INC.
State: GA
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 am a natural person, i have rights under 15 USC 1681 Equifax is governed by 15 USC 1681. An have violated my rights muliple times. i demand the accounts listed below be removed due to.

15 USC 1681 stating i have the right to privacy and did not give equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
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  XXXX XXXX  XXXX  XXXX has violated my rights. 

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

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-07-06
Company: NCP Holdings, L.P.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX my family members, My mother and father to be specific. When I called them they did not ask me to verify who I was, they gave me my own DOB and asked if that was correct. They could have given out my DOB to anybody who called in since they didn't ask me to verify it. I asked for documentation to be given to me and told me they were not in a rush to send it because I was not interested in paying them. XXXX  me with damaging my credit report if this was not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: General Motors Financial Company, Inc.
State: TN
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:
GM FINANCIAL Inquiry : XX/XX/2022 XXXX XXXXXXXX Inquiry : XX/XX/2022 XXXX - XXXXXXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2005 Wells Fargo wrongfully foreclosed on my home at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX TX XXXX while I was in the process of doing a loan modification. When I received the loan modification paperwork, it was missing the cover letter to tell me how much I needed to pay to get the modification in place.

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 2022-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 Inquiry : XX/XX/2022 CAPITAL ONE Inquiry : XX/XX/2022 XXXX - XXXXXXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: EQUIFAX, INC.
State: TX
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:
I went to dispute my credit report, there was many discrepencies post on XXXX  XXXX  site bothe with XXXX and equifax. I disputed some items on XXXX  side of XXXX  XXXX then went to post disputes on equifax site and it blocked me from doing so saying my wifi dropped..it did not drop at all just a blocking tactic.im using the same wifi to send this message to you minutes later after attempting to dispute the incorrect aligations on my reports..the dicrepencies has made my hard work keeping a high score impossible..these action against me has dropped my score over 42 points just on these recent discrepancies and 10 points the first time in 2 weeks..these discrepencies were added to my account before the next 21day credit reporting scheduale..these credit repoting companies tied to XXXX  XXXX pretty much change your score if it gets any kind derogatory information in a blink of an eye and any good information is applied in 30 days..these practices are very unfair to the comsumer and are life changing everything you do is based on your credit report, loan rates, housing, mortgages, applying for credit, so on and so on.I have no wau of sending documats to show these credit number drop because I'm using XXXX  XXXX   site to report this and do not want to loose this report doing so..NOTE .the CFCB system will not take my ssi number reporting..NOTE I WOULD LIKE THIS REPORT TO GO TO XXXX  XXXX  TO.THERE ARE NOT LISTED UNDER YOU SYSTEMS LIST OF CORPORATIONS LIST.thank you XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is trying to collect on Student loans after XXXX and XXXX XXXX has been granted. I continue to receive harassment by phone calls. I believe that this violates the Consumer Financial Protection Bureau settlement with XXXX. 

Notification to the lenders was provided in XX/XX/XXXX by my Veterans Attorney with a copy of the XXXX determination by a Federal Judge. 

I am XXXX XXXX and receive only Social Security XXXX Benefits and VA Healthcare. 

Accounts with inaccurate reporting are : XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$5900.00} XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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 XX/XX/1991 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX mi XXXX i have submitted my correct paperwork for incorrect reporting with police report and all required documentation

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 2022-04-22
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have been a NetSpend customer for many years and was happy overall. On XXXX XXXX my account was hacked at an ATM with XXXX  XXXX XXXX. My card was in my presence and I was at home. I filed a dispute and had to wait 10 days for a refund to my account. When I inquire about what happened they would not go into details for security. 

I opened up a different account after the first incident because my card was block from the 1st fraudulent incident and I needed a card to access what ever funds that was left on the card the hackers could not steal. 

Again on XX/XX/XXXX another incident where the hackers stole {$580.00} from an ATM at at a XXXX from a new NetSpend account. NetSpend is allowing the SCAMMERS and thieves to steal or access my money, leaving me once again financially destitute. It is all over the news and social media pertaining to scams at XXXX stores in different parts of the country. 

The most appalling part is that NetSpend is the customer service. NetSpend spend asked for XXXX business days for the results of the dispute. Here it is 10 Business days and NetSpend can not get an update about my hard earn funds. Icalled and spoke with so many people, just to be told they are awaiting from a response from their dispute team. I asked to speak with a representative from their dispute team to be told they do not have access to transfer to the dispute department or a Escalation Manager. WOW! I NEVER HAVE HAD SO MUCH HORRIBLE SERVICE. 

I want NetSpend to refund my money back asap. This is the only update I obtained by NetSpend. 

XXXX XXXX Subject : Dispute Claim Follow-up Status Update Account Number XXXX Claim Date : Fri XXXX XXXX XXXX XXXX XXXX Claim Number : XXXX Claim Amount : {$580.00} Dear Valued Customer, I understand that you would like to know the status of your claim. 

I have reviewed your account and our records show that we received your request on Fri XXXX XXXX XXXX XXXX XXXX. Your next update regarding the status of the dispute will be available on 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 explanation
Consumer complaint received 2022-04-22
Company: Upgrade, 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 information incorrect

Complaint:
Upon checking my latest credit report with Upgrade inc. I notice there is a balance listed on my XXXX credit reports XXXX, XXXX, and XXXX in reference to this account. I paid this account in full XXXX of 2022. I have contacted this company in reference to this incident several times and mentioned there has to be an error/misapplied payment using your online payment service. Payment was never return to my financial institution. I have had problems with payment posting to this account with this company every since I opened the account a few months ago.Please assist me in resolving this issue. I have enclose bank document showing amount paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2022-07-06
Company: Experian Information Solutions Inc.
State: CO
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:
My ex-roommate has applied credit card with my personal information without my consent, using my social security number, and our address. I discovered it while I was checking my credit report, this person has applied credit using my personal information and he got approved even applying with a wrong birthday. I found out that the XXXX XXXX XXXXK which is the credit company has approved this credit card with a wrong birth day date. when I noticed this suspicious activity on my credit report, I tried to contact the XXXX XXXX XXXX company, and they couldn't help me because the information that I provided to them it was incorrect and they refuse to speak with me while the account verification was not correct ( my birthday. ) However, basically they said that the birthday that I provided them was incorrect comparing the one when the account was opened, therefore they could not provide me any information on the account, and my ex-roommate does not longer live in the United States.

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 2023-05-10
Company: Experian Information Solutions Inc.
State: TN
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-18
Company: EQUIFAX, INC.
State: IA
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:
UNAUTHORIZED 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 {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXXXXXX XXXX U S DEPT OF EDXXXX XXXX XXXXXXXX XXXX {$1900.00} XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX {$29000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX  Also please immediately remove the unknown names and unknown addresses that I listed on my FTC identity theft report that I have attached... Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: PNC Bank N.A.
State: PA
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 customer service

Complaint:
To whom It May Concern : I have been a PNC Bank member for 20 years. I have never asked for a credit card increase. I did so on XX/XX/XXXX to take advantage of a 0 % transfer offer. I was told on the phone that the increase was approved and I would receive a letter detailing the new limit. 

Instead, I received a letter today saying I was denied because of either a ) my credit score, b ) late payments c ) credit line balance or d ) amount owed on my PNC card. 

However : XXXX. My credit score is XXXX ( it states that on the letter ) XXXX. I have had zero late payments. 
XXXX. I paid off my home equity loan, so my balance is XXXX. 
XXXX. I owe {$10.00} on my credit card, which I pay off every month. 

I earn {$120000.00} a year. I have had the same credit limit for 20 years. No one at PNC can explain why I was denied when I provide information that none of the reasons they claim are true. 

There seems to be some fraudulent behavior happening on the bank 's part because they would rather I use the money on my high interest home equity loan than take advantage of the 0 percent credit card deal. 

I look forward to the bank 's review of its credit assessment issues. Feel free to contact me with any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On multiple occasions, my Chase checking account has been double charged with XXXX after XXXX have already transacted my account. I feel Chase is the culprit of the second charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 consumer contacted Transunion via certified mail to dispute & request removal of XXXX XXXX XXXX Account being reported on consumer 's credit profile. This has impacted consumer 's credit worthiness, accuracy, and credit score, taking XXXX points from score causing damage to my score. XXXX XXXX XXXXXXXX responded to consumer via mail on XX/XX/2022 stating they agree to request that their tradeline related to the account be removed and deleted from the credit bureaus. It has been removed from XXXX, but not Transunion and XXXX. Please remove XXXX XXXX XXXX account from all consumer reports and update credit profile with accurate deletion of account associated with the name 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