BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
We realized we didn't have our cards early XXXX, and I called to report them missing and fraudulent activity on XX/XX/XXXX. All of the charges happened on XX/XX/XXXX, XXXX, and XXXX at XXXX XXXX XXXX for {$1500.00}. When I googled the store # associated with the charges they give stores in Oregon. My account balance should be {$0.00} as I had activated the cards but never used them. My wife was issued a new card ( the charges were on her card ), but merely froze mine. They also didn't report the charges as fraudulent ( {$1500.00} ) and was told today that I needed to make a minimum payment on XX/XX/XXXX. They haven't removed the charges, notes weren't properly made in their system, and they're trying to make me pay for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: On The Barrelhead, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
This company and it's affiliates are running deceptive advertising on social media platforms. They are claiming Congress approved a new program offering {$50000.00} deposits to anyone. At no time does the ad state it is for a high-interest personal loan. The company runs many advertisements with fake, XXXX  news articles from XXXX XXXX and XXXX. 

The ads appear to be run by On the Barrelhead, Inc. d/b/a PersonalLoanPro XXXX # XXXX. 


The transcript of an example deceptive ad follows ( original video is attached ) " This is being covered up by XXXX buying XXXX. 

Congress was just on the news announcing this new program that's giving Americans over the age of 21 up to {$50000.00}. 

You don't need any credit history, or bank requirements at all to get your deposit. 

The best part is anybody can do this online and it only takes a few minutes, all you have to do is let them know why you need the money, how much money you need, and just like that you can see how much '' - This is not being " covered up '' by XXXX buying XXXX - Neither congress nor any government official was " just on the news '' announcing such a program - Credit history AND banking is required to obtain a loan and get the deposit - Anyone can not do this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 that need to be investigated and corrected from 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 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 2022-02-14
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-05-26
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When my lease ended on XX/XX/20, XXXX at XXXX XXXX XXXX submitted {$1400.00} straight to collections ( National Credit System ). I did not receive any notice to dispute or pay directly to them via email, mail, or phone call since I had to move immediately. I would have paid XXXX at XXXX XXXX XXXX  directly since they charged me for not making the rent until they found a replacement renter which I also knew nothing about. I ended up paying the {$1400.00} since I could not reach XXXX at XXXX XXXX XXXX and out of fear since this was the first time I've ever had anything submitted to collections ( without communication to me ) until it was too late and past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Incorrect information reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had XXXX recently and could not pay my payment on time. Due to being sick and not answering the phone when they called I had a late payment. Not from being negligent but from being XXXX. I. I ask XXXX do they ever remove late payments. I was told no which I know is not true and I have documentation to prove it. I have worked really hard my credit and this one mishap from being sick wipes all my hard work away. Could you please consider removing the recent late payment. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my handwritten instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I informed you of a conversation between XXXX XXXX and me on XX/XX/XXXX where XXXX XXXX informed me that the only way I was to obtain copies of communication logs for the account was going to be through court. I communicated my concerns over XXXX advice to her manager, XXXX XXXX on XX/XX/XXXX. 

XXXX informed me he was unaware of the correct answer and would get back to me. When pressed to give his best guess based on his experience, XXXX stated the statement was most likely false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We received a letter from Wells Fargo indicating we owe a debt on a credit debit card that we had paid off and closed almost 10 years ago, XXXX I believe. This letter was sent out XXXX XXXX and it we just got it XXXX days ago I did contact customer service I was transferred quite a few times and by the time I did get to someone the woman pretty much said all this is what she oh, there was none. None of them looking into it, they wouldnt let me talk to anyone above to find out what exactly was going on there just indicating no it wasnt paid when I know for a fact, me and my husband did paid off because we were XXXX off because we had to give our income tax to pay it off, and we close the account and still existing. We all this money I will not pay money that we are not obligated to pay if the account was already paid off, I remember precisely we did pay it off because we were so upset. It is a reason we left Wells Fargo because of charges that didnt make sense or add up and we never got payment back for it we just close it. We were done with them so I dont understand why theyre sending some this form now when this was a XXXX XXXX situation makes no sense and it sounds pretty sketchy. The letter itself is quite unprofessional. Theres no full account or credit card number. Mind you because we closed this account almost 10 years back. I dont think this is right I will not pay for something we do not owe

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 2022-02-12
Company: Early Warning Services, LLC
State: GA
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:
XXXX system has not complied with me or responded Im trying to remove a fraudulent account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CITIBANK, N.A.
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:
THIS IS NOT A DUPLICATE COMPLAINT, THIS IS A NEW COMPLAINT WITH NEW SUPPORTING DOCUMENTATION Citimortgage is reporting from XX/XX/17 through XX/XX/17 that I was up to XXXX days late on my mortgage. I was in a TRIAL MODIFICATION PROGRAM. Due to the overwhelmed Citimortgage Modification Office, my trail period was extended a few times. Citi provided the letter that it was modified and sold as current and paid. BUT on my credit report, they have reported me as late. 

This is against Federal Law, and you will see attached my supporting documentation of this,

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 2022-11-17
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I deposited a check from XXXX XXXX in the amount of {$8200.00} to my checking account. Truist bank put a 7 day hold on the check and stated that it was due to a possibility of being fraudulent. I understand that the check could be held for approximately 3 days but 7? So I wait the 7 days and as per my mobile app it says the funds will be available on XX/XX/2022, I look in my account and still no funds are available. I have uploaded a copy of the mobile app screenshot. I call and the girl, XXXX, is telling me the hold is until after XX/XX/2022. I voice my concerns letting her know the funds state they should be available today XX/XX/2022 and does not want to hear anything else. I asked for a manager and spoke to XXXX. She was also unhelpful ; she states that because at the time of my deposit I did not have {$8200.00} in my account and that is the reason for the 7 days hold. Yet another reason, I let her know that when I opened the account, I deposited {$87000.00} check and yet that cleared in 3 days and I surely did not have that amount in my account. Obviously, they do not do any research on your account before placing hold for earlier in the year I had {$15000.00} in my account. 

I can guarantee that tomorrow morning I will be closing all my accounts at Truist! Do not recommend this bank. On another note, I was in another state for 3 weeks and my debit card was not working and the girl had to order me a new one and send it to me, I told her that I was out of town and had no cash on hand. You think she escalated the mailing of this card, no I had to wait 10 days for my card to come with no money. 

Worst service ever!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Flagstar Bank, N.A.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello I have a loan that was approved with a loan modification during Covid. Upon completion I completed the terms and moved forward with my payments. The mortgage company is reporting remarks on my loan stating in a government modified loan which is derogatory reporting. My credit score is excellent however these remarks are inhabiting me from obtaining credit approvals from other creditors. If in the CARES ACT choosing a forbearance plan while in need during the pandemic wasnt suppose to count against you for credit reporting the mortgage company reporting is now negative? In my loan modification paperwork or during the process at no time before, during, or after was I told there would be negative remarks added to my credit report that will inhibit me from obtaining future credit. Prior to the pandemic I was never late on my payments, never missed a payment or required assistance until I lost my job during the pandemic. I have since got back on my feet, back to making payments and Im being penalized by this company for these biased remarks that a predatory and unfair. I contacted the mortgage company them seem unconcerned as they did me a favor but they have ruined my credit with this reporting. I would like to have the remarks removed from my credit reports I shouldnt be penalized for the life of this loan or be made to refinance my loan just to get rid of the arduous remarks that are 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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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

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 2023-06-07
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: Credit inquiries on your report that you don't recognize

Complaint:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: PA
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 following accounts has violated my rights. 
XXXX Account # : XXXXXXXX XXXXXXXX  Account # : XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXXAccount # : XXXX XXXX Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Acc # : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX Account # XXXX 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 consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$140000.00} ; XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$520.00} ; XXXX XXXX XXXX  Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX  Balance Owed XXXX {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$7800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: LEXISNEXIS
State: WI
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, XXXX XXXX, have sent several letters explaining in detail the issue of this company 's reporting an verifiable bankruptcy they are reporting on my consumer profile. With each letter I have attached proof of my identity as well as proof that other credit reporting agencies have deleted the unverifiable bankruptcy. I have also attached letter form courthouse and pacer in which each entity state they do not confirm any bankruptcies nor do they report bankruptcies to any credit reporting agencies. The company even removed the unverifiable bankruptcy from their " verified '' report but still have it on their " unverified '' report which is against the law! 
With each letter sent, the reply back was a claim that there was not enough information or that proof of identity wasn't legible. These are fraudulent claims, as every letter included clear copies of identity as well as detailed information. 
This company is in clear violation of the FCRA and my consumer rights.

Company response to consumer: Closed with explanation