BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I was a victim of identity theft. I submitted my police report and all my findings from the detectives to all the credit bureaus since XX/XX/19. I have been sending in numerous letters. This would be my 7th letter to the credit bearueas to try to resolve this. This is taking a toll on me and my family. 

Its two accounts that are left. XXXX XXXX and XXXX XXXX XXXX. These accounts are not mine. I called both creditors and they both informed me that they can not associate these accounts to me. I asked Transunion to send whatever information they are using to verify this debit and they have yet to send me anything. I have a right to know how this is being verified. If the creditors are NOT associating me with this how is Transunion. These accounts have been deleted off my other credit bureaus but Transunion is giving me a hard time. 

Also -- XXXX XXXX XXXX on my credit report is also reporting inaccurate. This account is closed/charged off. why is it reporting open on my credit report? When I contacted the creditor they definitely told me that this account is not open and has been charged off. Please delete this account it is inaccurate. 

XXXX XXXX-Inaccurate reporting ; Please delete I reached out to XXXX XXXX  to verify this debt because this is not my debt. I called XXXX XXXX and they stated that they do not have sufficient time to investigate the alleged debt, nor do they have any information associating me to it. What information are you finding to verify or associate me with this debt? Please send me your proof you are using. Please delete if you are not able to send me viable proof that this is my debt. 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 2018-10-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
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:
XXXX pulled my credit twice in 3 days is a violation of the fcra XXXX XXXX pulled my credit twice same day

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Upstart Holdings, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Friday, XX/XX/XXXX through XXXX, via their " excellent match '' for potential loans, I applied at Upstart.com for a personal loan of {$3500.00}. Upstart immediately denied me. During the application process, the deceptive advertising was touting this easy process that is not heavily based on credit history. Supposedly they pretend that they help people with problem credit. On paper, my credit report and FICO score is good, in the mid 700s, but for some mystery reason I can not get the type of credit I should with my scores, and it has been that way my whole life, no matter what my situation. 

I already had my credit reports, my FICO score, my credit rating way before dealing with Upstart. So they sent me a generic reason as to why I was denied. In several back and forth communications, I tried to get them to tell me the specific, exact reason why they denied me. They kept telling me everything but. 

They told me to go check my credit report if I had issues. I told them I already have my reports and I don't see any of the generic reasons they listed. 

I asked again and again to clarify why they denied me, but they would give me the credit rules and regulations, tell me why it " could be '' but never specifically tell me the reason for the denial. I even cited the law, which states the must disclose the reason for the denial, not tell people what it could be or what the law says. But at that point they just stopped responding. 

So because of tat I have a hard inquiry from Upstart and nothing to show for it. I do not think our regulations allow creditors to deny loans just because they want to, and whatever the reason they are supposed to be transparent about it so we can address it if possible. 

There is harm to my credit file now, as each inquiry brings down your score. I want to mention here that one of their " reasons '' was too many inquiries. The only inquiry I had was from a job, The other one was THEIRS. Obviously they are just making any excuse because they have a certain set of people who they will service and other people are being redlined. Otherwise why so opposed to giving their specific reason? 

Also, one of their denial responses says to check my Upstart mailbox - but I never had one. I never had to log into their website. I can not log in and it doesn't show a way to register either. So even their " link '' doesn't lead you to any information. They utilize XXXX XXXX XXXX for Georgia, so evidently they are in on this too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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 Received an e-mail stating my credit limit on my card was lowered. I checked my online account and found no information. I called the card company and was told my payment was long overdue. I was told my statements were now electronic which I never intentionally authorized. I had paid off my card in the fall after a vacation. I decided since I had a lot of reward points to go online to redeem the points. While online, a window popped up asking me to update my personal information. I went to the area and checked my info. I had not thought about the card again until i received the e-mail. By trying to help the company I was tricked into signing up for electronic statements is my guess. I had the credit card company fax me statements I had missed. XX/XX/XXXX ; I owed XXXX. XX/XX/XXXX ; XXXX was added as late charge. XX/XX/XXXX ; XXXX late charge and interest was added. All charges have been paid. 3 days after receiving the e-mail I got a letter advising me my credit limit was lowered and they had contacted an agency which had lowered my credit score. After being in business for 34 years my credit has been lowered on a fraudulent trick. No notice of the change or being overdue was ever mailed 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 2021-09-06
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: Account information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Credit Card in good Standing with Barclay Bank  XX/XX/XXXX Barclay sent an advertisement for Balance transfer at a low interest rate. I accepted the deal. Several weeks past and the balance transfer was never completed. Per Barclays documented turn times The transfer takes place by the end of the next working day. I figured the Transfer was not approved. XX/XX/XXXX I accepted another offer from XXXX and applied for the balance transfer XX/XX/XXXX XXXX Transferred the requested {$6000.00} The end of XXXX I noticed a positive balance on my credit card when investigated where it came from it was the Balance transfer from Barclay. When contacting Barclay it is brought to my attention that this was not in addition to my current account it was a new credit card account with a {$500.00} Annual fee I told them that was not what I thought it was and I would transfer the balance back to them and I wanted the account closed. They said it was no problem and apologized for the error. Barclay admitted that is was their error and the initial applied for Transfer did not get processed and they had a delay in their system somewhere. Again they assured me if would all be taken care of. 2 months later I get a notification my credit score has declined. Low and behold its Barclay trying to collect a balance transfer fee, late fees and a {$500.00} annual fee on a closed account an account that was closed immediately not held annually. I once again contacted Barclay and was told they would take care of it. The late payment continue to show on my Credit for months Dropping my Credit score 200 points causing other accounts to be closed and credit limits to be lowered Barclay now had tanked my credit score. Seven more phone calls and a complaint filed with the attorney general the collection was removed from my credit report. 
I believed everything was taken care of. Not one call not one letter from Barclay was ever received regarding this credit card account. 

Fast Forward XX/XX/XXXX I apply for a home loan and I am told my score is to low once again XX/XX/XXXX Barclay re-reports the fees as a new charged off account. I have made several attempts to reach out to Barclay to no avail my last Call I waited on hold for 2 hours no-one ever answered.

Barclay did not process in their own documented time frame. Once I saw the transfer I immediately transferred back to them and closed the account. Barclay misrepresented the credit card. This is their mistake and I should not be held liable for any fees/late fees and it should not be reported on my Credit report. I pay my bills on time.

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 2021-09-06
Company: Credit Plus Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 a company XXXX  auto financing ran a credit report without my knowledge or consent. I called the company to see how the obtained my information and was told that after report is ran there is nothing that can be done unless I call the credit bureau. I have no additional documents because I was unaware of this happening. I would like to add that I did lose my wallet and important documents which may have resulted in identity theft. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: EQUIFAX, INC.
State: GA
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:
Equifax is reporting inaccurate/outdated data, which is causing me to be denied credit. This began when I disputed items to be inaccurate in XX/XX/2018. When my credit is pulled by lenders from Equifax they return no data which results in a denial. ( I have no issues with the other two Bureaus reporting and updating each FICO score ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Credit Plus Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX companies ran a credit report without my knowledge or consent. I called these companies personally to see how my information was obtained and was told that once the credit is ran there is nothing that can be done unless I call the credit bureau. I have no additional documents because I was unaware of these happenings. I would like to add that I did lose my wallet and important documents which may have resulted in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion is the reporting agency that did not send me a notice or written notice that I have the right to dispute this debt.and attachment XXXXf ( 1.8 mg ) is already on file with cfpb. now of what douctment was made againt 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 2018-03-26
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I finished repaying my student loans in XX/XX/XXXX and my account with Great Lakes student loan provider was closed. I received a communication from them congratulating me that my loans were repaid, and I downloaded my full payment history for my records. The payment history showed {$0.00} unpaid principle balance.

In XX/XX/XXXX I logged into my online account to print out my XX/XX/XXXX tax statement. When I logged in I saw a balance of {$30.00} in unpaid principal, and {$1.00} of unpaid interest, for a total of {$31.00}.

I promptly contacted Great Lakes. The first person I talked to was unable to explain the charges. Finally, I got through to an account manager, and when my questions persisted she told me that Great Lakes was being audited by the FSA, and that they had failed to apply an interest cap adjustment to my account at the time. They could not explain how or why they were able to reopen my account and apply these charges without notifying me. Had I not logged into get my tax statement I would not have known about these charges. Eventually, they sent me a generic statement on XX/XX/XXXX that reflected the new charge, however, I have been informed several times that this may not be the accurate amount.

I have been in contact with them twice since then. On all occasions they have told me that the amount has not " settled '' yet, and that the {$31.00} might not even be the correct amount. I requested a letter detailing the charges, and explaining how and when the interest cap adjustment was applied so I could provide it to my attorney. When they finally provided the letter, it did not include any of the information I requested.

I have been unable to resolve this issue with Great Lakes. My issues are : 1. How they were able to re-open my account and apply charges without notifying me.

2. That they made a mistake that was caught by the FSA during an audit, and that they are attempting to pass that fee along to a former customer, even after the affected account was closed.

3. That they have not been able to provide relevant or accurate information in a timely manner - or even let me know when the charge will be finalized or when I can expect a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern : I submitted two dispute letters certified mail acting in good faith, showing delivered on XX/XX/XXXX, and the other on XX/XX/XXXX. I am disputing four derogatory remarks on my credit report that are inaccurate, fraudulent, invalidated, unverifiable and accounts that were open and compromised due to Identity Theft. I was a victim of Identity Theft in XXXX and XXXX. I sent XXXX  and Equifax a validation of debt letter, police report and I also requested how did they verify any debt belongs to me. Not only did they fail to provide to me how they validated the debt. They also failed to provide me how they verified the debt. It's been over 45 days with no results. I reached out directly to all of the CREDITORS involved in the dispute regarding these accounts and they have all failed to validate or verify any debt as accurate and failed to provide me with proof of my signature. Please explain to me how can you validate any debt when the creditor has failed to validate any debt? Not only did XXXX  and Equifax and the Creditors break many laws, they are reporting inaccurate information and not living up to its rightful duty to report accurate information and serve the consumer justly. Please DELETE and remove these accounts from my credit report immediately. This is frustrating and you are giving me a hard time and breaking laws and subject to Civil liability. Im acting in good faith once again. Ive attached all the supporting documents : FTC Report, Police Report, Receipts of letters, Receipts of letters delivered successfully. See below accounts in dispute XXXX XXXX Account Number : XXXX This account is inaccurate. The Debt does not belong to me. I do not validate this debt. Update the report to positive/current or delete from my credit report. 

XXXX XXXX Account Number : XXXX I do not validate this debt. This account does not belong to me, delete this account. 

XXXX XXXX Account Number : XXXX This account is inaccurate, unverifiable, missing information, incorrect balance and compromised due to identity theft. I do not validate this debt. Remove from my credit report. 

XXXX Account Number : XXXX This account is inaccurate and a fraudulent account. This account does not belong to me. I do not validate this debt. Please delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: ALLY FINANCIAL INC.
State: GA
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 opened an auto loan with Ally Financial in XXXX of XXXX. They had been reporting my payments monthly until XXXX of XXXX. Since then they have not updated my account balance nor my monthly payments. Its bringing my score down and Im being denied the ability to purchase another vehicle. I want my payment history and corrected owed balance to be updated immediately.

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 2018-06-06
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I signed up for a loan due to a financial emergency. I was unaware of the 65 % interest. Which is a predatory loan if im mistaken. This loan was taken last summer. Ive paid XXXX a month for a year and still have a balance of of almost the entire loan still.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XX/XX/2020 I have not received bank card when I called ( 3 hours wait on hold ) to inquire about card they charged me for a card i did not receive. I asked to have another card be issued and paid for express ship overnight I was charged XXXX plus XXXX for replacement card The card was to arrive overnight. It was not received I called again 2.5 hours wait on hold and was told the card was shipped XXXX but they could not provide a tracking number. Four days later I received a card by XXXX  When I tried to activate the card ( 3 hours on hold ) I was told the card had been deactivated and would have to request yet another card I have been without my money and have no funds or anyway of getting access to my money I have read that this has happened to hundreds of others They need to be sanctioned for holding peoples money not sending bank cards and charging for express delivery

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 2023-01-22
Company: John C. Heath, Attorney at Law, PLLC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/23 {$24.00} XX/XX/23 {$6.00} I was charged Overdraft fees twice.

Company response to consumer: Closed with explanation