BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: BARCLAYS BANK DELAWARE
State: CA
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:
I had 2 fraud transactions by the same company on Banana Repub CC in XXXX and reported to Barclay bank in XX/XX/2022. Only charges on the card were fraud at the time and I did not have to pay until the investigation was done. I received a letter in XXXX from Barclay saying the investigation was completed, fraud was confirmed and I didn't owe anything. Later, I received a bill and I was charged late fee and interest fee. Every month sometimes twice a month I had to call Barclay fraud dept, wait on hold verify my identity and still start over again unitl XXXX when I had broken down as they repeated the same thing, Barclay Fraud dept had to re-investigate the same charges. Same charges were re-marked re-investigated for months. Over time the late fees and interest fees grew and I was reported to the credit bureau. I had told them that I had several of those similar conversations with the fraud department and that they said they would later resolve with credit bureau once the fraud was confirmed. Finally after me crying on the phone for someone to help, I received a call from Barclay and the person resolved the ongoing issue. At this time, I am shown as 6 months delinquent payment with more amount owed than fraud charges. Finally, the balance of the account is XXXX and removed all the fees associated with it .Now, I asked Barclay to help me with credit bureau and they are asking me to mail them all this information and they will look into it. I had filed dispute throuh XXXX and they send me a letter saying they had repported deliquent payment accurately. Its beyond my understanding that they confirmed fraud charges, they removed after traumatizing me mentally and now they want me to send them more documents What do i need to provide, they are responsible for messing up my credit score as they weren't efficient enough to take care of things soon enough and are asking a letter with details and paper proof. They have all the proof they need. Please help, as this has caused mental trauma to me and them still asking me to go through similar process. I have lost my faith in them trying to do anything to help. I had been Banana repub customers for years..I would like my credit score to be updated to what it should have been in XXXX. I need your help please. I have documents supporting what I told here. I had filed official complaint with Barclay complaint dept in XX/XX/XXXX and no action has been taken.

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 2022-10-06
Company: Experian Information Solutions Inc.
State: MD
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 sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2021-08-24
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am writing in response to Experian 's failed attempts to correct the issue via email and demand that they make the necessary changes to correct inaccurate information that has prevented access to my credit profile for over 24 months. 

I am requesting that Experian have any variations of the above removed and my access reinstated and comply with the Fair Credit Reporting Act, under Section 607, Experian must ensure maximum possible accuracy of the information contained in my report. 
As of today, Experian has not complied with this under-provision of 15 USC Section 1681i of the FCRA. 

They have prevented me from accessing and denied all attempts to access my account. 

All requests via, voice, mail and email have been denied

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 2023-06-20
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello I recently changed my name earlier this year and because of that my current bank froze my account until a new government ID was submitted to prove my identify. They did so because my taxes did not match my current name as again, I changed it. This was because I got married and social security card was updated. 
I keeps keeping the same robo email to submit a valid form of ID despite it being a California drivers license and also a work authorization card which again, are government issued. I submitted the W-9 with no issues there

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Kriya Capital, LLC
State: VA
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:
Company is reporting the account as 1 year and 6 months old. The account is from XXXX and last payment which was supposed to be a settlement pay off was XXXX. The account is passed the statute of limitations for the state the contract originated from. The collection agency is fraudulently reporting the account as newer to keep reporting it on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27
Company: Alorica Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
submitted multiple SCRA THE SERVICEMEMBERS CIVIL RELIEF ACT requests for repayment of overcharged in interest overpaid. Louisiana SCRA extends benefits to servicemembers for any accounts that have over 6 % interest. 

Louisiana is a Key Provision State which extends SCRA benefits to servicemembers for debits that occur WHILE on XXXX XXXX not just debit that was occurred before XXXX XXXX service. Below is the reference : 4.2 Individuals Covered by the SCRA Members of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX on XXXX XXXX SCRA protections extend to servicemembers dependents, which generally include spouses, children, or any other individuals for whom the servicemember provided more than one-half of the individuals support for 180 days immediately preceding application for relief under the Act. ( including reserves ordered to XXXX XXXX ). 
Also, Louisiana extends SCRA benefits for debt incurred WHILE on XXXX XXXX. This means that any debt incurred after enlistment is subject to the 6 % interest cap. Below is the reference : 7.1. Interest Rate Cap To help ease financial burdens created by active military service, Section 527 of the SCRA extends the 6 % interest cap on ALL debts, not just those incurred prior to XXXX XXXX. 
Due to these circumstances, I would qualify because of the unique protection that Louisiana has for XXXX XXXX families. According to the SCRA : A creditor must forgive not defer interest greater than six percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at 3937 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-10
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to report a problem with a debt that I have been told I owe. I have not been provided with enough information to verify that the debt is accurate, or to dispute it effectively. 

I have received communications from a debt collector stating that I owe a certain amount of money, but I have not been given any details about the origin of the debt or the transactions that led to it. Without this information, I am unable to determine if the debt is legitimate or if it has been accurately calculated. 

I have requested that the debt collector provide me with more information about the debt, but I have not received a satisfactory response. I am concerned that I XXXX be the victim of debt collection abuse or fraud, and I am seeking your assistance in resolving this matter. 

I would appreciate it if you could help me obtain the information that I need to verify or dispute this debt. Please let me know what steps I can take to address this issue. 

Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a XXXX  with Suntrust Bank since XXXX. The loan amount was {$15000.00} variable rates, Interest only. Since then, the interest rates have dropped tremendously, but my rates have never changed. As of XX/XX/XXXX, my loan amount have not reduced and I have been paying, on time, for 10 years now. I've made extra payments on the principle and still no reduction. I have called and complaint to Suntrust, but no one could explain why my balance still remain the same or more. Currently the balance is {$15000.00}. They now have changed their name to Truist. Please help!! I'm a XXXX  citizen and I think the bank is taking advantage of 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 2023-10-11
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My loans were forgiven in full in XXXX. I show that the credit card companies have received info from XXXX, but it still shows my loans are active and in repayment with the full balance listed as owed.

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 2023-04-10
Company: Maximus Education, LLC dba Aidvantage
State: OK
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:
My Student loans from Advantage shows that I still owe a balance. It was discharged in XX/XX/2022. It needs to be updated correctly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX Balance : {$30000.00}

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 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, ONEMAIN Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : 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 2023-10-11
Company: Experian Information Solutions 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. XXXX Accounts : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXXXXXX Has violated my rights. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose.

Also, ACCORDING TO 15 USC 1681a- Definitions ; rules of construction.

( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s- 3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; ( LATE PAYMENTS ARE CONSIDERED TRANSACTIONS ) Therefore should not be reported to a consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: OneMain Finance Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2022, I took a personal loan from OneMain Financial. The amount was a little bit over XXXX .The lady who processed the loan told me that my interest rate is 35 % ( which is the ceiling I illinois ), and she told me that in just a few months, it will drop either by refinancing or when my credit score gets better ..On XXXX, my score hit about XXXX, and I tried to refinance, but I didn't get approved, instead, it went as a hard inquiry on my credit report ... I was told back then, to wait till I make more payments in order for me to get qualified for a lower rate ..My credit score had been about XXXX since XXXX, so a few weeks ago, I decided to refinance. Again, I got denied and the reason was I didn't have enough credit ... I have had many credit cards and loans during the years and I don't understand why they want to lower my interest rate .I 've been making payments on time and I never missed any payment since I took the loan, but u still see not much difference in my balance ..I wouldn't have taken this loan with this high interest if I wasn't told the interest rate would change in the few months. Now, it's his been almost 10 months, and I'm still making payments with high interest. I also believe the loan offics misled me and wasn't truthful with me the day I took the loan .She promised me that it will drop in a few months.. This lady yelled at me on the phone and she didn't respect me, because I didn't agree with what she told me .She was pressuring me to reapply and get more miney if I qualify.She told me the same lie, the other representative told me when I was applying for refinancing : they both said it won't be a hard inquiry, but when i checked my credit report, the hard inquiry was there .My credit was a bit affected because of that. 
I want an investigator who will take this seriously, because in ky previous complaint, neither the investigator nir the institution took this seriously, and their decision was on theor behalf not in mine. 
Meanwhile, I will be taking a legal action against this institution and every loan agent who scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2023, I navigated to the XXXX website to temporarily un-freeze my account so that a vendor could verify my credit history. I was unable to log onto XXXX although I could log onto XXXX. The XXXX XXXX site would not allow me to unfreeze my account, and I was unable to log onto the XXXX site so that I could unfreeze there. ... The " forgot password '' function did not recognize my information ; however, if I tried to set up a new account the site said " account already exists. '' ... I called customer support, and got the same error message with their assistance. Customer support said I needed to talk to someone else " by phone '' ( I was already on the phone ), and they transferred me to a generic auto attendant to enter information that I'd already provided. ... I tried a handful of other numbers and got the same auto attendant. It kept redirecting me to the website, or offered to follow up by mail. At no time could I access a live person. ... So, I spent about 2 hours in circular customer support directing me to the same sites and auto attendant that did not fulfill the need. ... I finally reached out to XXXX via XXXX and got a message " we're gone for the day ''. ... After several hours of this mess I gave up. I can not unfreeze my XXXX  account, and this has caused problems with setting up a new account with an ISP, so I can't yet get Internet service at my new home. And this mess just a day after selling and buying a house/condo all in one day. I can do major transactions easily but can not do a simple unfreeze and its messing up my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 CONSUMER REPORTS ARE BEING USED BY ALL 3 CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. I RECENTLY RECEIVED MY CONSUMER REPORTS AGAIN AND THEY ARE STILL REPORTING UNAUTHORIZED ACCOUNTS THATS VIOLATING MY RIGHT TO PRIVACY AND DAMAGING MY REPUTATION AND THIS IS NOT FAIR TO ME. ITS ALMOST IMPOSSIBLE FOR ME TO GET A LOAN OR APPLY FOR A NEW JOB WITH THESE ITEMS ON MY CONSUMER REPORTS. PLEASE HELP ME WITH THIS MESS, I AM AT MY WITS END WITH THESE CONSUMER REPORTING AGENCY CROOKS. THEY REPORT OUR INFORMATION WITHOUT WE THE PEOPLE EVEN KNOWING ABOUT IT AND THAT IS NOT FAIR US! ITS VERY DIFFICULT ENOUGH TO SURVIVE WITH THIS CORONAVIRUS PANDEMIC GOING ON. I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING OPPRESSED. I NEED HELP WITH THIS, ITS BEEN OVER 30 DAYS AND SINCE I DISPUTED THE UNAUTHORIZED ACCOUNTS AND THEY HAVEN'T RESPONDED.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

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