BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX a charge was made on my carnival Barclay card from XXXX XXXX for {$1100.00}. This was for XXXX XXXX luggage. I received a box and didnt open the box because from what I was supposed to get was luggage double the size of the box. I emailed the company XXXX asking for an address to return the package. Im the email I got it was missing a zip code. I emailed for months trying to get this information and no one would reply to I just returned the package to shipper then notified the guy. I then got a response but it was too late. I called XXXX to find out if they still had the package so I could change the address since the return to shipper address was different but XXXX said since I refused the package I could no longer receive the package back or make any changes since I was not the shipper. I emailed XXXX letting him know & I forwarded the email I received from XXXX. He still said I needed to retrieve the package even after the email said since I refused the package the shipper would have to notify XXXX. I then disputed the charge with Barclay which was my credit card company. I said I am not paying for something I didnt receive. Barclay said they would investigate. I then got a letter XXXX stating I am responsible to pay the charge since the return happened outside of the return date. Which was not my fault that the shipper didnt get back in touch with me with his zip code. I then stopped paying my credit card. XXXX they tried getting in touch with me through email to make a payment plan. I replied as long as they will removed that charge I will pay & I want in writing that they will remove that charge & remove I was delinquent in my payments. They said they couldnt do that so I said Im not paying since either way it will affect my credit. Now I am trying to get a government job and they ran my financial background and I didnt get the job because of this. I tried working with Barclay but they didnt want to do anything for me. How can I pay them if I cant work.

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 2020-03-14
Company: Experian Information Solutions Inc.
State: OR
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:
Called previous and was told it would be fine to change my debt management pay date. All other credits did not report late. Changed due date on a Debt Management for two cards. 13 day difference XXXX XXXX at XXXX XXXX submitted for lates to be removed but during that time XXXX XXXX reported more lates and has not corrected. The two cards were finally reagged in late 2019. All thats needs to be done is correct the lates on both cards. 

XXXX XXXX left and no one else I have email including the CEO will do the right thing and finish correcting my credit bureaus with lates. 

Its really simple do the right thing. I have never missed a debt management payment and my score is way lower due to XXXX XXXX. This is a 5 year plan and I have 4 years to go and have never missed a payment.

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 2023-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Capital One concerning a credit card that I have with them ( I am an authorized user ). Capital One has been reporting the usage of this card to XXXX and XXXX but NOT to XXXX. The good usage of this account shows favorable on my XXXX and XXXX reports, but its absence on XXXX has my scores unbalanced, and this is negatively affecting my score averages so I can pursue a new mortgage. 

I requested that Capital One confirm that they would report the correct and timely information to the XXXX credit bureau. They first stated that they were reporting the account correctly ( see their letter dated XXXX  ). But I called to let them know ( again ) that the issue is with them not reporting the card 's activity to XXXX. I need it reported to ALL three bureaus. 

I received confirmation from them via letter dated XXXX  stating that they would report the information to XXXX, but they have failed to comply. I need the assistance of the CFPB to ensure Capital One reports the card activity to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Velocity Portfolio Group
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had a credit line with Upgrade in XXXX, I started making payment and could not continue due to hardship. It seems line the debt was transferred to a third party. Last week I found a pile of paper taped up on my door without any envelope and with all my information exposed. The first stating that I have been sued by Velocity Investment LLC. I never signed any agreement with a third party. They came to my door and post personal information which was exposed to the public. They violated my rights. I was given a until the end of XXXX to respond. Any that you can do to help will be very appreciated. Please, advise. 

Thank 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 explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX CA, XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX {$8300.00} ; XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the XXXX XXXX AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-03-23
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late XXXX I took out a {$65000.00} mortgage with Sun Trust Bank. At that time we arranged for {$620.00} to be debited via ACH from my XXXX XXXX XXXX XXXX ( North Carolina ) checking account early each month. This amount would be deposited into my Sun Trust checking account. Sun Trust would then take the {$620.00} from that Sun Trust checking account to make the monthly payment on my mortgage on the XXXX of each month. I put {$300.00} into my Sun Trust checking account to set up that account. 
This system worked fine from XX/XX/XXXX, when my mortgage payments began, through XX/XX/XXXX, when Sun Trust became Truist. For the XX/XX/XXXX mortgage payment, Truist did not ACH the {$620.00} from my XXXX XXXX XXXX XXXX into my now Truist checking account. I checked with XXXX XXXX XXXX XXXX, which said it had no record of an attempt by Truist to ACH the funds. 
Because Truist did not ACH the funds into my Truist checking account in XXXX, when Truist tried to take {$620.00} from that account, there were insufficient funds to make the monthly mortgage payment. Truist then began to assess fees, which so far have amounted to over {$200.00}, reducing my Truist checking account balance from {$300.00} to {$72.00}. Truist claims it tried to ACH the funds, but there were insufficient funds in my XXXX XXXX XXXX XXXX account. I have provided Truist with a running total of my checking account balance in XXXX through the XXXX of the month, when Truist tried to take my mortgage payment from my Truist checking account. That running balance shows there was always more than {$2000.00} in my XXXX XXXX XXXX XXXX checking account. So Truist 's claim of insufficient funds in my XXXX XXXX XXXX XXXX account is not true. So much for the bank 's name. 
I have made the XX/XX/XXXX mortgage payment by check today ( XXXX ). I have spoken to a banker in a Truist branch, but she has no authority to reverse the over {$200.00} in charges on my Truist checking account and no ability to determine whether Truist in fact tried to ACH {$620.00} from my XXXX XXXX XXXX XXXX checking account. 
I want the fees Truist has assessed -- and any fees Truist will assess going forward -- restored to 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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-04-07
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My Social Security # was used to apply for credit without my consent or my authorization and I reached out in the past on older inquiries and those still exist alongside the new ones. I've included a Dispute letter with all Three Credit Bureaus addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
GM Financial is not allowing me to pay extra payment towards my principal balance to pay off my loan early. The loan terms are very confusing and misleading when I purchased the vehicle. There is no way with the current terms of this loan to pay or reduce interest payments or amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/XXXX, I submitted a complaint explaining that Transunion is unfairly listing an account on my Credit report as included in Bankruptcy, after submitting proof that my bankruptcy is over 10 years ago and proof that XXXX has this account as settled or paid for less than the full balance, Transunion decided to make a change to my account on XX/XX/XXXX and change the paid status to account paid in full or charge off and remove any negative remarks. Unfortunately, Transunion decided to break the law under the fair credit reporting act on XX/XX/XXXX and changed or updated the account in the investigation back to Paid status UNKNOWN and Remarks Chapter XXXX Dispute of account information- This is a negative remark which is affecting me personally. The XXXX account is XXXX and was opened on XX/XX/XXXX, my Bankruptcy was filed in XX/XX/XXXX and discharged on  XX/XX/XXXX. I am resubmitting all documents and I hope Transunion will take immediate corrective action. If I do not see any corrections to my credit reports I will file a lawsuit against Transunion for failing to do an effective investigation and report accurate information.

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 2022-04-07
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: Credit inquiries on your report that you don't recognize

Complaint:
My Social Security # was used to apply for credit without my consent or my authorization and I reached out in the past on older inquiries and those still exist alongside the new ones. I've included a Dispute letter with all Three Credit Bureaus addressed.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-02-02
Company: Experian Information Solutions Inc.
State: UT
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-03-23
Company: ALLY FINANCIAL INC.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
This is a two-party loan where I am the primary borrower. The second party has attempted to extend the duration and increase the total cost of the loan, without my consent.

The lender never contacted me before allowing an extension of the duration and increased the total cost. At no time has the lender given me no option to agree ( or disagree ) with a change of terms.

Upon becoming aware of the change of terms, I contacted the lender. Their representative of the lender said many things including, but not limited to : 1 ) " there is no primary borrower on a loan '' 2 ) " we can change the terms of the loan without consent of all listed parties '' 3 ) " we won't stop the extension ''

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 2023-04-13
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: Investigation took more than 30 days

Complaint:
The same responds every time I file a complaint with your company the credit bureaus have ample time to make corrections to my credit report it has been years not days I will hand this over to an attorney since I still have not gotten a resolution to the issues raised with your company and the three credit bureaus I will be filing a law suit against your company and all three credit bureaus on this matter I have been unfairly treated and denied my right to fair credit far to long. I am not a profit margin for companies nor the credit bureaus I am a human asking for fair credit reporting and my rights for fairly respected and honored

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Bank of America is denying my use of credit for internet purchases. My  credit score  is   XXXX .  On   XX/XX/XXXX  B  ank of America called and told me a fraudulent overseas purchase was made. Reference  XXXX  for   {$75.00}. My account was credited. I then discovered another fraudulent charge on    XX/XX/XXXX    reference  XXXX  for {$11.00} for  XXXX . I never used  XXXX . My account was credited. Since    XX/XX/XXXX , I    have been unable to make internet purchases. M y   XXXX   XXXX   was cance lled and my internet was almost cancelled. I called Bank of America  10 times and was told falsely that it was the merchant and not Bank of America. I was issue  d 4 new c redit cards because Bank of America could not competently resolve the issue. I then received a letter o n  XX/XX/XXXX  fro m  XXXX   XXXX  phone number  XXXX  ext.  XXXX  and she admitted that Bank of America was denying me credit. " Due to an inadvertent error, instead of the stop pay only being submitted for the  XXXX  merchant, it was submitted for the majority of internet merchants. Therefore, Bank of America never received these authorizations fro m   XXXX   to app rove them. '' On    XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX   ,  XXXX  refused and denied my internet purchase.  XXXX   XXXX  from Bank of America refuses to respond to 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