BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am an individual with perfect credit and have had my Barclays loan for several months without issue. 

Back in XXXX Barclays extended me a deferment due to Covid. And asked that I put a stop payment with my bank ( XXXX XXXX ) for the autopay that was setup. And advised the next payment would be due in XXXX. 

First week of XXXX, I make a payment online at Barclays, days later the payment shows as Barclays as posted. 
Then several days later I get another email stating another payment is due, I login and see that the XX/XX/XXXX payment is posted but another payment is due, so I go ahead and make a payment for that as well. 

Then in early XXXX, I get another email stating another payment is due. 
Even after I see online that XX/XX/XXXX and XX/XX/XXXX payments were posted. 

And now the system is also showing me past due. 

So I call barclays and do some more digging in the online system, only to find out that Barclays was showing incorrectly that XX/XX/XXXX and XX/XX/XXXX payments were posted, they had infact been returned. 

Barclays said XXXX XXXX had not honored the payments. 
I called XXXX XXXX and found out that there was a stop payment put in place since XXXX that had not been lifted, whereas I was under the impression that the stop payment was just put on there for one month. 

I went ahead and fixed this issue and made the payment. 

However, I have been marked late for the month of XXXX for my Barclays card.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
This is to notify the following agencies listed below are reporting that your company placed an unauthorized inquiry on my credit report on XXXX. 
XXXX XXXX  ( Consumer reporting ) XXXX XXXX XXXX XXXX XXXX  ( Credit monitoring agency ) XXXX : XXXX XXXX ( Credit monitoring agency ) 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 explanation
Consumer complaint received 2023-08-03
Company: Veros Credit, LLC
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 have notified the following companies : Veros Credit and XXXX regarding fraudulent accounts reporting on my credit report. No response by either company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a medical collection from XXXX XXXX XXXX being reported to Equifax that should not be there. 

I have contacted XXXX XXXX XXXX and Equifax on XXXX / XXXX / XXXX and have yet to have them respond. 

This collection has been removed from XXXX as they know they were illegally reporting this information. 

" Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to any Medical Office for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is two-fold and as follows : Validation of Debt and HIPAA authorization : - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Their failure to comply is a direct violation of my rights under the FCRA and FDCPA. 

This illegal collection has and continues to hold me back from being able to utilize my credit and is causing major distress to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
What is your verification methods? Do you have have proof that my name was ever legally " XXXX XXXX '' including a copy of a license, ID or social security card? 

You've stated that you verified the inaccurate bankruptcies on my report. Though, I've attached an email from XXXX and a letter from the US Bankruptcy court saying that they've never reported a derogatory information to you. XXXX whom your company frequently uses for verification ( per attached letters ) deleted those inaccurate bankruptcies as well as XXXX and XXXX. 

Send me a detailed description of how you " verified '' this information ASAP. Thx

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My Chase : Marriott XXXX XXXX Credit Card is not transferring earned points and promotional points over to my Marriott XXXX Rewards account. I have been given the run around and without consistent support and resolution : I have re-confirmed my Marriott XXXX Rewards account too many times to count ; Chase customer service reps have deleted and re-entered the information and that did not help ; I have uninstalled the app and reinstalled the app per instruction of Chase staff and that did not help ; I have been told to wait until the end of the billing statement and then XXXX business days, I did that and that was unsuccessful ; I have been re-routed to Marriott XXXX Rewards account-they rerouted me back to Chase- ; BUT the kicker is that my points are not in my account anymore and we have NO IDEA where they are and NO one has been helpful or WILLING TO HELP ; I am due for travel the end of the month and wanted to use my points, which are now missing and NO one in the company being willing to help. 



I have requested tech support ( not successful ) ; I have requested a ticket to be lodged for internal investigation ( not successful ) I have spoken with XXXX supervisors ( no resolution and inconsistent information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title creidit central... was XXXX XXXX XXXX XXXX XXXX it's reporting under the law they can't do this never received notes from these companies of being late..

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 2021-11-06
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had an auto loan with XXXX XXXX XXXX XXXX that was closed and written off with a balance of {$3300.00} as of XX/XX/XXXX. XX/XX/XXXX I tried to dispute with Experian to get this old loan take off of my credit report. XXXX XXXX XXXX XXXX then increased my balance on a closed written off auto loan to {$4200.00} as of XX/XX/XXXX. This is fraud. You can't increase the balance on a closed account. I disputed this information with Experian and nothing was changed on my credit report. Please fix this is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: CITIBANK, N.A.
State: NY
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:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Credit usage 34 % Balance {$1300.00} Balance updated XX/XX/2023 Credit limit {$4000.00} today is XX/XX/XXXX XXXX XXXX Credit card told me they reported to XXXX to get the balance correctly now to {$370.00}. It is still showing {$1300.00}. I spoke to XXXX XXXX and he says he will reach out to them. I believe they are deliberatly not doing it to prove a point. 
the Point is that we live in 2023 and this information should be accurate and not wait 30-60 days. I will not apply for credit until its updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX XXXX account was created that i did not authorize and was un aware of until now.

over 92 credit cards have been applied for in my name that i never signed up for.

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 2020-08-24
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: Information belongs to someone else

Complaint:
This Account Needs to be off My credit. I did not Authorize this Account I was a victim of identity Theft Attached is a police report stating what happen to my identity someone stole my laptop with all of my personal Information any many other Items which give them access to all of my personal Information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, my name is XXXX XXXX, I was utilizing XXXX through my financial institution ( Santander ). I utilized XXXX in order to make a monetary transfer to someone I know. XXXX uses a given individual 's phone number in order to send money, this makes it unique to each person. 

I verified the intended receiver to have been both : - Registered with XXXX in their financial institution- Has the correct phone number associated with XXXX. 

Upon using the CORRECT phone number in order to digitally transfer the funds ( adding up to {$4600.00} ), the funds were sent to the incorrect bank account. In short, whilst inputting the CORRECT information, the funds were sent to some random, INCORRECT individual. 


I attempted to contact Santander customer service only to be directed towards XXXX customer service. I eventually opened a dispute with Santander which was promptly denied, reasons not clear/specific. Both myself and the intended receiver have contacted XXXX multiple times in order to resolve this but we keep getting redirected to either our financial institutions, XXXX, or our mobile carrier. How can XXXX allow the same phone number to be associated with another account? It is a breach of privacy and security for any given individual to have their supposedly secure and unique transaction to be sent to the wrong person. 

No help or real resolution has been provided by any of the institutions involved. Because of a clerical error on behalf of XXXX, did we lose those funds?

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 2023-08-03
Company: U.S. BANCORP
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
US Bank closed my online business checking account which had {$5100.00} in it. They did this without my knowledge on or about XX/XX/2023 and have not sent my funds back to me and will not tell me when or even if I will ever get them back. They simply tell me they have no timeline as to when I will get my money back. Who knows how many other peoples money they keep for as long as they want but this is absolutely unacceptable 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 2022-04-02
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2022, and XX/XX/2022, I, XXXX XXXX XXXX sent XXXX, and Equifax a letter stating to remove the incorrect addresses. Later on in the month, I spoke with XXXX and he stated they received the letter on XX/XX/2022. He told me that I would have to wait 30 days from then for the dispute to process. It is XX/XX/2022, and they have yet to deleted the inaccurate addresses. I have attached the letters asking them to delete this information. This is a violation of my rights under the FCRA 15 USC 1681b ( a ) ( 2 ). I never gave XXXX and Equifax written consent to report any addresses let alone these inaccurate addresses. They also have a name by XXXX XXXX XXXX and XXXX, XXXX are not my names and it needs to be deleted as well. XXXX is well aware of the disputes as they have said they received it and are now in violation of 15 USC 1681n for knowingly reporting this information as it has caused me to miss out on multiple opportunities with finding housing. I seek remedy as a protected consumer. Please contact me as soon as XXXX and Equifax responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: VA
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:
I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX XXXX account was created that i did not authorize and was un aware of until now.

over 92 credit cards have been applied for in my name that i never signed up for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
received car loan from XXXX ended up receiving unauthorized mortgage inquiry as well as several auto loan inquiries.

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 2023-10-17
Company: EQUIFAX, INC.
State: FL
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 account # XXXX, has violated my right. XXXX XXXX XXXXXXXX. 15U.S.C. 1681 SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY. 15U.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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have a SYNCB/XXXX  account on my credit report that I did not open and have no knowledge of the account. I also have never received a credit card from Synchrony BankXXXX card in the mail. This account also shows a payment history and Ive never made a payment to this account.

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 2021-04-01
Company: SYNCHRONY FINANCIAL
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: Was not notified of investigation status or results

Complaint:
The main problem on XX/XX/XXXX was the sell man in the store had to apply for the credit card for me in which I was approved for XXXX. HE didn't explain or give me information on the credit card process and guidelines and I wasn't able to read small print, so I didn't know that my credit limit will be decreased in which mine did in XXXX. I had a couch complaint on XX/XX/XXXX in return, and was told not to make a payment till investigation is over. It's yet to be over XX/XX/XXXX, and I didn't get retrurn till XX/XX/XXXX, that's when my credit limit was decreased to XXXX. The other problem was because I didn't know guidelines in policies that each item is paid off one at a time not the totally balance there is a small balance still. I've went to store in they tell me it's clear yet credit card dont. And last I was told the credit card comes with warranty yet I was charge the fee of 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