BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-14
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: Account status incorrect

Complaint:
XXXX XXXX should not be reporting that I am ( 30 plus ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a letter from XXXX XXXX dated XX/XX/2020 confirming they have submitted the necessary documents needed to remove these lates that are currently reporting to the bureaus. This letter states these changes should have been made within ( 30 ) days however, the bureaus are still reporting incorrectly. This false reporting of lates is seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to remove these but I have not been successful.

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 2020-12-14
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I applied for a Barclays Credit Card from XXXX to purchase an XXXX last XXXX the total cost was XXXX dollars. I was given a credit limit of XXXX dollars. At that time, I was a member of a XXXX XXXX XXXX XXXX, also a XXXX  for the XXXX XXXX  of a pro sports team in XXXX  XXXX. On XX/XX/XXXX, the XXXX was terminated. My income was severely damaged at that time. I had been divorced for a few months and was trying to restart my life from ground zero. I had an apartment which was XXXX a month and my income went from XXXX a month to XXXX  a month. I called Barclays in XXXX and explained the situation. I explained that I needed a month to resort my finances and that I would resume payment in XXXX. Then, Covid-19 took my job as a XXXX  for the XXXX XXXX  of the sports team ( XXXX XXXX. I again, called Barclays and said, I have been furloughed and was making around XXXX a month. I couldn't renew my lease, so i moved in with a friend and gave them the address. I touched base with them in XXXX and explained that my income was affected by Covid. They explained to me that they have a Covid program and that I was on and not to worry. In XXXX, my account was closed without notice. They said they sent a certified letter. I never received it. However, I couldn't make payments, due to my furlough status. In XXXX, I was rehired back and began making payments. I argued throughout the months that I didn't deserve this treatment because of Covid. It was flat out unjust. In XXXX, my online account was suspended. I called to find out why and they said it was due to the account being closed. I argued because i was unable to make that payment. I explained that I had I tried calling several times about my online account to no answer. As i discussed my situation again, I became angry. My credit score is a disaster because of them. I have two other cards who didn't close my account that knew the situation. Hmmmm, Now, I'm XXXX grand in the hole because i was divorced and let go from one job and was furloughed during Covid 19. The lady at Barclays said it was the credit Bureau policy to close an account after 90 days of inactivity. I called her out and they said there was nothing they could do. I still do not have access to my online account and now, I can't barrow a dime from anyone to pay the account and try to repair my credit. It was completely out of my hands and i explained that several times. They didn't care. I doubt this even goes anywhere, but its worth a shot right.

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 2022-11-19
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2020-12-14
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have had a on going issue with Wells Fargo for 5 months and today I get 3 separate responses to these complaints on here from the same address all written on XX/XX/XXXX all mailed XX/XX/XXXX 2 of the letters say they need more time XX/XX/XXXX the other says I am not eligible for a refund, which I have already gotten XXXX and I am in no way happy with such a low amount I lost my truck filed bankruptcy at my expense and wells is to be making this Right????? XXXX more in a check or outside mitigation. 
Thats the least you can do

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 2021-06-09
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I reached out to Midland Credit Management regarding a debt they placed on my credit report via their website, to receive more information regarding this debt. 
Today I called them since I have not heard back from them and they refused to send me any written documentation regarding this alleged account. I was told by the customer service rep it was mandatory to give the last 4 of my social, when I stated all I wanted was written documentation and confirmed my mailing address and was willing to confirm my previous address as well. She refused to send me any written documentation. When I asked to speak to a supervisor I was told I needed to hang up and call back after being placed on hold for over 20 minutes. 
I have never received a phone call nor written documentation from this company so I am unaware of this alleged account that's associated with my XXXX account that was closed to suspicious illegal activity. I have not used my XXXX account since XX/XX/XXXX. 
I have never heard from this company so I do not have an account number and my XXXX account has since been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: PA
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:
I XXXX XXXX Currently have some fraudulent inquiries appearing on my credit reports. I have listed the inquiries below with supporting documentation. 

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 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 2019-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XX/XX/XXXX, my husband and I both received Visa credit cards from Capital One, where we have been customers since the bank came into existence. I am the primary person on our accounts there. ( We have two joint bank accounts and I have one solo bank account at Capital One. ) We always pay all our bills, including credit card bills, on time. 
The Capital One Visa credit cards came with different credit limits. My husbands cards limit was two and one-half ( 2 1/2 ) times higher than my cards credit limit! We assumed this was an error on Capital Ones part, as our two other Visa cards are joint cards and we have always had the same credit limits on those cards. I have called Capital One at least three times about the discrepancy in our credit limits, asking for the same limit for both my husband and me. Each time I am told that Capital One uses many factors in setting credit limits. Since my husband and I file joint federal and state tax returns and have joint bank accounts, I asked what the factor was that led Capital One to give me a far lower credit limit. Was it gender? That is the only difference. There was silence. 

In XX/XX/XXXX, I received two letters from Capital One saying that I needed to use their Visa card more if I wanted the same credit limit as my husband. That excuse simply isnt valid : I have charged more on that card than my husband in XXXX, XXXX and XXXX. In fact, I have already paid {$30000.00} on that Visa card since XX/XX/XXXX. My husband has paid less than {$150.00} this year. 

Capital One is discriminating on the basis of gender in its credit cards credit limits. Although their customer agreement for credit cards says they can take any action at any time with respect to credit limits, Capital One is not allowed to discriminate in its lending. That is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-07
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: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found an account on my credit report that was not open by me. This has been hurting me since I am in the process of purchasing a home for my family. Please remove the fraudulent accounts as soon as possible. 

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 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 2020-12-14
Company: 2288984 Ontario Inc.
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Called from XXXX refused to give a correspondence mailing address threatened to take me to jail and prosecute me accused me of fraud also called my family members

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: IA
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:
i previously disputed XXXX XXXX on XX/XX/22 asking for full validation on this account letter was sent out certified and returned labeled. I have been fraudulently contacted by collection companies in the past for unsubstantiated debts. For this reason its that i was asking for full validation as i do not recall having account open. I never got a reply form bureaus nor original company but i did get my returned labeled signed by bureaus. So, I know they got my letter. But, still dont understand why they have ignored me! I ended up writing a second letter on XX/XX/22 as a 30 day no response still up to this date i have not received any documentation. I have not been notified account investigation has began and dates on credit report have updated this is not acceptable. Account is stating dispute was under investigation now resolved by XXXX XXXX XXXX  I strongly disagree as i have not been notified nor have i received any documentation verifying debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
According to XXXX XXXX XXXX XXXX ( b ) Accuracy of Report ; and FCRA You have the right to dispute incomplete or inaccurate information '' All three ( XXXX ) credit reporting agencies, XXXX, Experian and XXXX has report different account balance amounts, payment amounts and number of closed accounts on my credit report regarding my Revolving Accounts and Installment Credit Accounts. 

Inconsistencies in reporting can be a negative impact on my credibility for future access to credit cards, mortgage loans, car loans etc.

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 2022-03-13
Company: BARCLAYS BANK DELAWARE
State: HI
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 following informations apply : Purchases made total {$2300.00} Fees charged {$270.00} Interest charged {$220.00} Credit given {$110.00} Payments made {$710.00} ( breakdown {$170.00} and {$360.00} taken from XXXX, XXXX XXXX XXXX XXXX account {$120.00} and {$62.00} taken from Hawaii XXXX XXXX Payment made to Barclays were unauthorized because I did not authorize the payments. Inquiry from XXXX, someone from Barclays could have solicited the account and routing number for payment. The reason for not paying was no statement received. Barclays claimed I signed for paperless and statement sent via email but not a single email was received. Barclays sent me 4 sets of statements in 4 envelopes of different dates on XX/XX/2022 after making complain. There were 3 accounts involved ending in XXXX and XXXX which I am not fully aware of and Barclays claimed due to cards lost and fraudulent transactions. I have talked to several Barclays personnel to name like on XXXX XX/XX/2022, XXXX XXXX, XXXX XXXX, XXXX, XXXX ( security dept ) XXXX and XXXX XXXX. On XXXX XXXX I talked to XXXX XXXX with ID no. XXXX and a manager by the name of XXXX in XXXX XXXX, I believed XXXX XXXX, Nevada for this problem to be solved. Please be informed that all of the times were all military time cause it is easier to tell if am or pm and I am a retired military. I proposed to the manager I am willing to pay in full everything I owe to resolve but I was disappointed. The phone no. I called was 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 monetary relief
Consumer complaint received 2023-11-16
Company: PNC Bank N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, at approximately XXXXXXXX XXXX, I received a call from an individual identifying himself as XXXX XXXX ( contact number : XXXX ). XXXX XXXX claimed that I possessed a stock option buyback plan associated with a timeshare I own in XXXX. This revelation was entirely unexpected, as I had no prior knowledge of such a plan. XXXX XXXX recommended that I contact the corporate finance office for the timeshare at XXXX, instructing me to inquire about my book entry number and to furnish my member ID for the timeshare, referenced as XXXX. 

In the subsequent days, I engaged with various individuals and entities, including the finance department and XXXX XXXX himself, who provided guidance throughout the process. These interactions led to a series of requests for wire transfers with the ostensible aim of funding a brokerage account. Over the course of these interactions, I conducted several wire transfers that cumulatively amounted to a substantial sum of money. Regrettably, I have not received the funds promised, and it has become increasingly evident that this situation may be rooted in fraudulent activity. 

As of XX/XX/2023, XXXX XXXX XXXX communicated to me additional requirements, including payments for FBAR ( Foreign Bank and Financial Accounts Report ) reporting and other financial obligations. These requests extended beyond the limits of my financial resources, and it was at this juncture that I began to harbor suspicions that I may have fallen victim to a fraudulent scheme.

I would like to underscore that these transactions were executed with the genuine belief that they constituted bona fide investment opportunities. In light of recent developments, however, I am profoundly concerned that I may have been egregiously deceived and that the funds transferred have been irretrievably lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Four years now XXXX  has failed to report accurate payment information from the Department of Child support services. I realize they are not involved in the case and could take into account XXXX credits but these accounts closed it paid off in addition they have been closed by the mother more than a year and a half ago. I have paid the entire balance and continue to pay three times the allotted amount of child support to the mother, I have been the current custodial parent since XX/XX/2013 And XXXX negligence has For the past five years caused us as a family the worst amount of emotional distress you could ever imagine and its now odviously intentional. Theyre reporting does not match up with other bureaus is far off and makes me look like one of the largest their lips thats preventing me from getting the job to provide for my current XXXX XXXX, the XXXX XXXX XXXX and the XXXX XXXX I have.

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 2022-10-12
Company: JPMORGAN CHASE & CO.
State: NY
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:
Called credit company to make a payment arrangement to bring past due balance current and up to date. I was to make 3 payments for a specific amount of time and the account would then be back current and regular minimum due would go back to normal. I was told that late fees and interest would not be charged the first two months of the arrangement. Considering I was making regular payments toward my balance before the regular due date to bring the account current then late fees shouldnt have been charged anyway because I wasnt paying anything late. However late fees were charged to the account even though I was honoring the arrangement and my balance wasnt diminishing and I was still getting notifications that my account was past due despite my payment agreement to bring the account current. When I call them they tell me that the payments are posting to the account but the payment agreement doesnt activate until after I make the third and final payment which makes no sense at all. Im making payments each month and the payment arrangement is a verbal agreement that should be honored by both parties from the time it is made. They also said that the payment arrangement to make my days past due current and not being my balance current which also doesnt make sense because payment arrangemts are suppose to make the balance current thats the purpose of payment arrangements. The supervisor that is like to was talking in circles and not explaining anything and it looks like they set up regular payments toward the card in the disguise of a payment arrangement to bring the balance current and continued to charge late fees even though I was paying on time. The whole thing was confusing. I realized when I saw my balance not going down that they never even sent me anything telling me the details of the r that o made just a letter thanking me for setting up payments as though I just schedule regular payments toward a card which is not what I did at all. It was to be a payment agreement to bring my balance current. None of thier explanations made any sense at all and if I made a payment arrangement Im not sure how it doesnt activate until my final payment in the arrangement or why I would be continuing to get late fees if Im paying on time.

Company response to consumer: Closed with monetary relief