BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2022 ( or XX/XX/2022 per Barclay 's ) - called to request a check for the credit balance on file of roughly {$2800.00} +/- and was told it would be processed after five days due to a payment that had just been made and to allow 7-10 days after that. Then XX/XX/2022 ( or XX/XX/2022 per Barclay 's ) - called to inquire about the check for the credit balance, now at {$2600.00}, and they said it had not been processed and again to allow 7-10 business days to receive it. And now on XX/XX/2022 - called to inquire about the check for the credit balance, now at {$2500.00}, and again it had not been processed and to allow 7-10 business days again for receipt. 
I closed the account and was assured by a manager that the check is now being processed, after 42 minutes on the phone call. This is unacceptable!!

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 2023-11-17
Company: Experian Information Solutions Inc.
State: OH
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:
I decided to contact the furnisher and the credit reporting agency in regard to my credit report. After I received no resolution, I filed a CFPB complaint # XXXX and after no resolution I filed complaint # XXXX. The credit reporting agency is being monetarily compensated and thus refuses to provide me with validation of the debt of the US DEPT OF EDUXXXX account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and the process used in such validation.

Company response to consumer: In progress
Consumer complaint received 2022-01-27
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: Investigation took more than 30 days

Complaint:
I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. Today I am going to contact CFPB, FTC, XXXX, XXXX, and the NATIONAL CREDIT UNION ADMINISTRATION ( XXXX ) .The reporting bureaus with the exception of XXXX did not delete these charge offs/write offs as by law were required they just waited. XXXX, XXXX, XXXX XXXX, XXXX, XXXX, TRANSUNION and XXXX XXXX ; I want these charge offs/write offs deleted from my credit reports ASAP. It doesn't take this long to write off a hardship and delete it from a 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 non-monetary relief
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 showed up on my credit report on XX/XX/2021, in the amount of {$1700.00} from some company by the name of XXXX XXXX XXXX XXXX. 

In XXXX, someone attempted to file unemployment in my name, also NOT me, ( I work for XXXX XXXX in XXXX Ohio and was notified by my employer someone had fraudulently filed for unemployment on my behalf, I filed a police report ). 

I'm not sure if someone had gotten the above XXXX XXXX XXXX in my name or not, however, this was NEVER my loan, I've never gotten a loan like this. I've tried disputing it to no avail. 

I will NEVER pay something that's not mine, however, it has impacted my credit score. 

I need this removed from my credit, I've tried contacting the company at XXXX and they keep hanging up on me, which just screams scam. I'll call, they get my name and email then put me on hold while they " transfer '' me and that's when the call drops, I've tried a dozen or more times to get thru and each time that's what happens. 

This is most definitely a fraudulent charge and I need it off my credit. The dispute I filed thru the credit bureau came up with nothing. 

I don't understand how someone can do this and it affect MY credit and nothing happens to the scammers involved in getting a loan with my stolen identity. 

Thank you so much for any help you can give 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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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:
Upon checking on my credit report, I spotted some inaccurate and fraudulent inquiries that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. I sent my dispute letters to the Bureaus and still not getting any results

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 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent TransUnion a dispute letter via certified mail in XXXX of last year. The dispute was received by TransUnion and was confirmed through signature of receipt from a TransUnion employee. I called and inquired about the results of my investigation today XX/XX/XXXX and was told by a TransUnion employee that they didn't receive my dispute letter until XX/XX/XXXX and the investigation wasn't started until XX/XX/XXXX despite my receipt stating otherwise. Now according to the FCRA they had 30 days from the time of receipt to investigate my dispute and it is passed that 30 day window. So now they are in violation of my consumer rights per the FCRA and FDCPA. Not only did they not do their due diligence an investigate my disputes but the disputes is still ongoing and they claim they are waiting on the creditors to respond and the investigation won't be complete until XX/XX/XXXX. Now if they received my dispute letter on XX/XX/XXXX and after XX/XX/XXXX the investigation is still not complete after 30 days how are they allowed until XX/XX/XXXX to complete my investigation? According to federal law if a consumers dispute is not investigated and verified after 30 days it must be DELETED FROM MY CONSUMER REPORT IMMEDIATELY!!!! A consumer does not have to wait any longer than 30 days for an investigation to be done for any reason. Per FCRA any unverified account must DELETED from my consumer report and if TransUnion can't show me verifiable proof of any account in question has to be DELETED from my consumer report IMMEDIATELY!!!!! 



I'VE ATTACHED PROOF THAT TRANSUNION RECEIVED MY DISPUTE LETTER OVER 30 DAYS AGO AND HAVE FAILED TO COMPLY WITH FEDERAL LAW PERSUANT TO FCRA 611 ( a ) ( 1 ) ( A ) PROCEDURE IN CASE OF DISPUTED ACCURACY.

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 2022-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
I made an additional payment on my Capitol One credit card on XX/XX/XXXX in order to lower the overall balance. I did this before the end of the billing period ; I had already made the regular monthly payment prior to the due date. If you look at my account history, I have done made additional payments after the due date several times without incident. 

For no reason whatsoever, Capitol One did not apply this payment to the billing cycle that it was in. My current billing cycle included transactions and payments from XX/XX/XXXX to XX/XX/XXXX. Therefore, the XX/XX/XXXX payment that I made should have been reflected in this period. 

Capitol One did not post the payment until XX/XX/XXXX, even though I made the payment on XX/XX/XXXX, it posted on XX/XX/XXXX, and it was deducted from my checking account on XX/XX/XXXX. Because they did not report this payment, my overall balance is over the credit limit on my credit report. This is not fair, as I made the payment in the billing period in order to prevent this. I have reached out to them several times and tried to dispute this item on my credit report to no avail. When I disputed it with the credit agencies Capitol One then reported the current balance as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2022 I, XXXX XXXX a federally protected consumer was violated by NAVY FEDERAL CREDIT UNION. On XX/XX/2022 I applied for an {$82000.00} auto loan but instead of being approved I was given the choice of a counteroffer of my initial request in the amount of {$60000.00} or I would have to add another navy federal member to my loan application to get approved for the {$82000.00} because of my income ; I denied the offer and explained to the loan manager that taking adverse action with my credit extension application was a violation of The Equal Credit Opportunity Act [ 15 USC 1691 ( c ) ] because I am not in any credit assistance programs authorized by law or administered by a nonprofit organization nor am I an economically disadvantaged person. No where in the Equal Credit Opportunity act does it states that a consumer can be denied for income. The loan manager was not familiar with The Equal Credit Opportunity Act so he did not know what I was referring to when I stated these laws. I sent out a Violation of The Equal Credit Opportunity Act letter to Navy Federal Credit Union on XX/XX/2022 awaiting response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date of Debt Notice : XX/XX/2022. 
XXXX disputed : {$170.00}. 
Name of Collection Agency : Credence Resource Management. 

Summary : The following agency is attempting to collect a debt I do not owe. I have indicated to the that this debt was already paid and the information the they have is incorrect. I have asked them for validation and no proof has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I uploaded the following letters sent to trans union. the XXXX was on XXXX XXXX the XXXX was on XX/XX/2022. I sent the 2nd letter because there was no response to the 1st.

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 2023-07-16
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have reported issues to retire money from atm machines at any banco popular of XXXX XXXX facility atm withdarwal limited to only {$200.00} intead of {$500.00} which is the XXXX XXXX  Popular makes this decision for no reason and never notifies me ; then it blocks the funds and I am not able to withdraw money from my account this is a very frustrating and embarasing situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
BBVA USA was the parent company of Simple Bank. BBVA chose to close Simple earlier this year and planned to transition remaining customers to BBVA accounts. 

The transition was set to take place on Saturday, XX/XX/XXXX, and Simple customers were told this would be a seamless transition and, aside from the name change, we would not notice any difference. Simple customers were told there was nothing we could do leading up to the transition and it would all come together on the day of. 

XX/XX/XXXX rolls around and no one can access their bank accounts. BBVA did not reach out to the transitioning customers to make them aware there was a technical difficulty. In addition, no one could get through to customer service because they were closed. They never should have a transition on a weekend, let alone a transition without any customer support available. 

I went three days before I was able to access my bank account and my money. My card had been lost a few days prior to the transition so not only had I been unable to order a new one, but I also could not monitor my account for any suspicious purchases. 

I was lucky to gain access to my account on Monday, XX/XX/XXXX. Others are still not so lucky. With many still unable to even get through to customer service. 

We are now five, almost six, days into this transition and BBVA still has not communicated directly with their former Simple customers. We have had to seek out all information ourselves via their XXXX and XXXX accounts which are only updated about once every 24 hours. They have yet to send an email out explaining what happened, what they're doing about it, and what to expect forward as well their fees are. We're coming from a bank that did not have any fees, so they absolutely need to share this information with us. 

In addition to not directly communicating with their customers, they also changed our routing number - something they have been saying would not be done. This has caused people to miss paychecks and miss payments. 

BBVA has proven that they can not be a trusted financial institution. There has been very little communication ... their XXXX and XXXX posts have many words in them, but they say essentially nothing. BBVA has taken massive blunder and it made the customer 's job to fix.

At this point, it's been almost a week and BBVA has yet to even apologize for essentially storing their customer 's money in a black hole. 

I've already taken all of my money out of my accounts. I did it via XXXX because I couldn't even trust them to handle a simple transfer correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: OneMain Finance Corporation
State: NC
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:
I have always been current and on time with my payments. I was layed off due to covid 19 and my childrens schools were shut down. I had one late payment in XX/XX/2021. I tried SEVERAL times to have a deferment for that one payment and asked for it to be removed since I otherwise have an exceptional payment history. I have a right to have that taken care of due to the section 4021 of the cares act and the pandemic. I want that late payment removed from all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
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: Was not notified of investigation status or results

Complaint:
Last month XX/XX/2023, I sent you another dispute letter containing the list of accounts and items that don't belong to me but I still haven't gotten any update about the status as yet. Its been over 30 days. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX and the Office of the Atty General if do not I receive the correct response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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: Investigation took more than 30 days

Complaint:
Check the documents that I placed with you

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 2021-05-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
PLEASE CORRECT THE INFORMATION REPORTING ON MY PERSONAL CREDIT REPORT DUE TO IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Since XX/XX/XXXX, I have disputed an account ( XXXX ) to which I have no knowledge of. Equifax has refused and neglected to provide me with any verifiable proof that the account belongs to me. I submitted a follow up letter in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not received anything from them regarding this account but they continuously update the Date Last Active. 

Also, I have disputed certain inquiries from Experian on my report, and that too, have been ignored. These accounts have no permissible purpose on being my report : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
While I was XXXX  in XXXX ( XXXX XXXX ) my debit card was stolen & used XXXX  times, XX/XX/XXXX- {$400.00} & {$990.00}, XX/XX/XXXX - {$60.00}. I submitted a fraud claim to Wells Fargo. On XX/XX/XXXX, they temporarily credited my bank acct for {$1300.00}. Then on XX/XX/XXXX, Wells Fargo took the money back out of my acct & refuse to reimburse me for it. Wells Fargo insists, even though I was XXXX, that I left the XXXX  XXXX, used my debit card ( which I did not have ) at the stores, then I returned to my XXXX  XXXX  room. This I was told by Wells Fargo yesterday, XX/XX/XXXX. None of what Wells Fargo stated makes any sense. I gave Wells Fargo a letter from my doctor verifying my XXXX. I'm finding out that Wells Fargo does very little investigations at all. On XX/XX/1923 Wells Fargo sent me, by email, a male customer 's claim decision. They had denied his claim exactly the way they denied mine. I now have this man 's name & am trying to find him. I feel this is violation of this man 's confidentiality by Wells Fargo & very sloppy work by Wells Fargo Claims dept, sending me another person 's claim resolution. I don't know if you can do anything, but I would simply like my y {$1300.00} reinstated to my bank acct. Otherwise I must file for Arbitration & file a case in small claims court. Thank you very much. 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