BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: BARCLAYS BANK DELAWARE
State: OK
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:
This is two complaints on one form. 

Check XXXX written on XX/XX/XXXX cleared the bank on XX/XX/XXXX though routing # XXXX checking account number XXXX for {$13000.00} to pay on my Carnival Barclays card XXXX under XXXX XXXX. The card number to pay was clearly typed on the check. 

Check XXXX written on XX/XX/XXXX cleared the bank on XX/XX/XXXX though routing # XXXX checking account number XXXX for {$10000.00} to pay on my husbands Carnival Barclays card XXXX under XXXX XXXX XXXX. Again, the card number to pay was clearly typed on the check. 

I checked daily for the payments to post. Finally, called Barclays/Carnival on XX/XX/XXXX at XXXX CST. I spoke with XXXX. I was told he couldn't help me today. He would have to open a dispute for both cards Case XXXX was opened for XXXX 's card and Case XXXX was opened for XXXX XXXX XXXX 's card. XXXX wouldn't promise me a timeframe for call back. Because the payments hadn't posted by XX/XX/XXXX I was forced to make payments for both accounts. Had the payments posted I would have been paid off and we wouldn't have had to make the two payments this month. This is terrible customer service then to put me off further when I called is ridiculous. This was after I had to go to the bank and get copies of the cancelled checks so I would have all this information to provide to them. I have done more than I should have and they are holding on to over {$23000.00} of my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX  # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX Balance {$170.00} ; XXXX XXXXXXXX Balance {$2000.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$7600.00} ; XXXX XXXX XXXXlance : {$2500.00} ; XXXX XXXX XXXX  XXXX Balance : {$310.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX, XXXX, L.

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 2023-06-11
Company: DRIVE NOW ACCEPTANCE LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to file a complaint against Drive NowAcceptance  ( DNA ), located at XXXX XXXX XXXX, XXXX XXXX, IL XXXX, for violations of the Fair Credit Reporting Act My husband and I purchased a vehicle from XXXX XXXX XXXX, an a partner and or affiliate of Drive Now Acceptance ( DNA ) on XX/XX/XXXX. The term was 44 months. In XX/XX/XXXX, my husband became ill with XXXX and contacted DNA to voluntarily surrender the vehicle due to financial hardship. DNA  instructed us to return the vehicle to XXXX XXXX XXXX, which we did. DNA  confirmed they received the vehicle and closed our account on XX/XX/XXXX. 

Despite voluntarily surrendering the vehicle and closing the account, DNA  reported the account as a " repossession '' on our credit reports in XX/XX/XXXX. When we disputed this with the credit bureaus, DNA  changed the report to " voluntary repossession '' but then re-reported it as " repossession. '' They have failed to provide any documentation validating this debt, as required under the FCRA. 

Most egregiously, in XX/XX/XXXX, DNA illegally garnished my husband 's wages without any notice or judgment, in violation of debt collection and wage garnishment laws. They then returned a portion of the garnished wages without any explanation. We never received any court documents regarding a judgment for this debt, and court records show no such judgment exists. 

DNA  has violated the following laws : The FCRA, by reporting invalid repossession information, failing to conduct a reasonable investigation of our disputes, and failing to provide documentation validating the debt. 

The FDCPA, by engaging in unfair debt collection practices, failing to provide required disclosures and notices, and illegally garnishing wages without proper legal judgment. 

Other consumer protection laws regarding debt collection and wage garnishment procedures in Illinois. 

We demand that DNA  immediately remove the negative account from my credit report, provide documentation validating this debt, return any illegally garnished wages, and be held accountable for violating the law and harming consumers. Please conduct a full investigation into this complaint and take action against DNA  to stop their unlawful behavior.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 Hey hope all is well I ask the Credit Bureaus Transunion, XXXX and XXXX to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I have an collection account on my credit report being reported inaccurately with : XXXX XXXX XXXX account Number : XXXX The account is being reported on my credit report inaccurately and I all I ask is that the Three credit bureau removed the account please and thanks. In accordance with the Fair Credit Reporting act XXXX Accounts, 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 non-monetary relief
Consumer complaint received 2023-07-23
Company: Bridgecrest Acceptance Corporation
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:
Bridgecrest is reporting negatively to the credit bureaus on my credit report after the it was charged off & i never received a 1099c.

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 2022-06-05
Company: EQUIFAX, INC.
State: IL
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 has violated my rights. 

15 USC 1681 section 602A. states I have the right to privacy.

15 USC 1681 Section 604A Section2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore, I am a victim of Identity Theft. I've contacted XXXX, XXXX and Equifax to remove all unauthorized inquiries that are listed below. 

XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX SSN : XXXX D.O.B. XX/XX/XXXX To Whom It May Concern : I was looking over my credit report recently and found a bankruptcy inquiry and I am requesting you verify the accuracy of this entry. If verification is not possible, the entry must be removed immediately. XXXX XXXX XXXX, Docket # XXXX. Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : The name of the courthouse with which you verified the information The name of the person at the courthouse who handled your request The address of the courthouse Which document you obtained to verify the bankruptcy Sincerely, 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 2022-09-14
Company: EQUIFAX, INC.
State: OH
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 natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : 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 2019-04-10
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My name is XXXX XXXX and my issue is with Santander Consumer USA in approving a loan I never applied for through XXXX  XXXX. It all started when XXXX XXXX ask me to stand guarantor for 4 months as instructed by XXXX XXXX to secure a vehicle he wanted to purchase. I don't have a drivers license, I don't have a stable job, I don't have a vehicle or any asset so how was I able to acquire this loan. It was all lies perpetrated by XXXX XXXX salesman and finance manager in order to get a check. I accompany XXXX XXXX on the XXXX XXXX to XXXX XXXX just to sign as Guarantor for 4 months and was told that my name will be nowhere on the title or registration, the place was very busy and I couldnt wait so XXXX the saleman brought me some documents which was highlighted to sign with no information on it, I signed along with XXXX XXXX the documents because XXXX seems very sincere and know what he was doing but now I know different, he was very deceptive. That was the end of my involvement in this transaction. To my surprise, XXXX XXXX called me frantic one day in XX/XX/XXXX to tell me that he hasn't received and documents from XXXX XXXX and when he called santander bank his name is nowhere in their system. we try calling XXXX the saleman and he never answer. So we called Santander Consumer USA and when put in my information at the prompt and the vehicle loan came up in my name. we spoke several time to different managers at Santander that this was a mistake and the vehicle does not belong to me and that I cant afford the loan but they said there is nothing we can do, we need to reach out to XXXX XXXX in which we did but they were rude and obnoxious and refuse to see us and settle the issue because they knew what they did and they already got paid. All I want is for my name to come off this transaction because that's not what I signed for. XXXX XXXX is the sole owner of this vehicle, he was the one that initiate this transaction, collect the vehicle, its in his possession and he has the resources to pay for the loan. I dont want this to affect my credit in anyway so please help me to resolve this matter as soon as possible. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
30 days ago I sent a dispute letter to ENHANCED RECOVERY COMPANY asking that they verify that I owed the debt that's being reported on my credit report. I haven't received any verification or consumer contract showing that i'm responsible for this debt. I would like for this inaccurate information to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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.

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 inructions 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 2022-10-31
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime bank whose headquarters are located at XXXX XXXX XXXX in XXXX XXXX CA XXXX phone # XXXX closed my account without reason or warning on XX/XX/XXXX while there was still {$1800.00} remaining in it. On XX/XX/XXXX chime support emailed me stating they sent my remaining balance via mail in a check form and I should receive it XX/XX/XXXX. On XX/XX/XXXX I emailed chime notifying them I never received it and they stated they could cancel the one they previously sent and send a new one and stated on XX/XX/XXXX it would be sent. Its now XX/XX/XXXX and I still do not have my check nor gotten a reply from chime since then. Everytime I reach out they state they are working on it its been a week now since they said they would sent it and still no one can confirm its been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Experian Information Solutions Inc.
State: TX
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:
This account is showing inaccuracies on both reports. Don't know which information is correct. This is violation of the FCRA.All the items listed below are reporting differently how is that possible if everything suppose to be 100 % accurate. Please delete. View attachment Monthly payment, terms, high credit, date last active

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 2023-04-05
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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-14
Company: FIRST PRIORITY MORTGAGE, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Yes, I did submit a complaint. However, I did not submit enough details. I was sold the home " as is ''. However, a disclosure statement was never provided that included noting a dangerous carbon monoxide leak in the gas fireplace, open electrical circuit boxes, lead paint. The seller was XXXX XXXX XXXX. Also, First Priority Mortgage, who sold the mortgage the day after it closed to XXXX XXXXXXXX XXXX, did not inform me of my rights to a disclosure statement, nor its importance, and I have none which I have requested. The FHA inspector noted several of these issues -- no handrails, open circuit boxes, broken windows. The appraiser gave a very low appraisal, which my buyer 's agent XXXX who works at XXXX XXXX in XXXX was shocked by. For this reason, the FHA allowed only payment for an exterior paint and minor fix of the sagging exterior portico. All I was told was to wrap the asbestos pipes with mylar, which my then husband did. And that was all I did. I did not hire any contractors. That is a lie. It actually took 8 months to even close on the mortgage. Is there no recourse here? 

Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX CXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-10-30
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My mother stole my identity and is opened up an account against my wishes with my social security number and they did not believe 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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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