BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-20
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Insurance companies and some banks including Time Shares, WILL NOT issue a receipt of payment, they required us to sign up for automatic payments, but will not notify us with a receipt of payment when the withdraw a payment. They will give us an option to go paperless but will not give us the option to receive a receipt of payment with a confirmation. Some of my check / credit card accounts are 3 to 6 weeks before I see the withdrawal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " REVOLVING '' but in XXXX appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: Chime Financial Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
On XX/XX/2021 I XXXX XXXX contacted Chime via my smart phone and requested a check in the amount of 9000.00 to be mailed to me from my account on XX/XX/2021 the check was printed from my account on XX/XX/2021 the check is showing cashed in my account I never received the check so I reached out to Chime letting them know I never received the check but its saying its cashed Chime later got back to me informing me that there is nothing they can do because the check has been cashed they forwarded me images of the check and told me I would have to go to the other Financial institution that cases the check and investigate it myself. I called the other bank and they informed me that there was nothing they could do for me that Chime needed to contact them. So as of today XX/XX/2021 I still have not received my 9000.00 or any help from Chime

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ;

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 2017-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX XXXX 2017 Equifax got hacked and gave away social security numbers, drivers licenses and addresses. resulting in identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Submitted numerous disputes for late payments to be removed due to natural disaster ( covid ). 30 days has passed and I didnt hear anything from the company involved XXXX XXXX or any of the credit companies. Late payments were for XXXX. Disputed late payments and Ive contacted the XXXX XXXX XXXX  and still no response

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 2021-05-19
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
had XXXX XXXX sent from my XXXX XXXX XXXX ( XXXX ) to the binance.us bnb wallet listed on my account XXXX it says it was successful but the XXXX  never showed up in either account after. 

The transaction id is XXXX Binance has stalled and gave me the run around since XX/XX/XXXX with absolutely nothing actually being done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Ditech Financial LLC
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
In XXXX I purchased a manufactured home. I have been making automatic payments on the XXXX of the month, every month since then. In XXXX Ditech became the loan servicer for this account and continued to collect these automatic payments. The amount due has always been in my account and deducted. I have never been late. On XX/XX/XXXX I received a billing statement from Ditech claiming that I was late on my mortgage payments and that XXXX and XXXX had not been paid. Both payments had been deducted from my account on the first of the month and are documented in my bank statements. On XX/XX/XXXX I called Ditech to correct the error. I spoke with a man named XXXX. He told me that for some reason Ditech claimed I had a {$50.00} late fee and was holding the remainder of the funds in suspension. He agreed that I had never been late and that the late fee was an error. He spoke with his manager and assured me that his department put in a request to rectify the error and bring my payments up to date ( remember Ditech has my money, they just aren't crediting it to my account ) and that everything should be fixed by Tuesday of the following week ( XX/XX/XXXX ). I asked him what he meant by request and what I should do if this 'request ' wasn't honored. He said it would be, that his department put the request in to another department that would make the changes. No guarantee, of course, but what can I do over the phone? On XX/XX/XXXX, Ditech again deducted my XXXX payment from my account. However, they also reported to the credit agencies that I was late on my payments. My credit score has dropped from XXXX to XXXX. This will cause irreparable harm to my finances and most likely result in increased APRs on my other accounts, which I can not afford and should not be experiencing, as I've worked diligently for over 30 years to pay all of my bills on time. Interestingly, when I called Ditech 's XXXX number and gave my account information, the system reports my payments as current.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 opened an Capital One secured card account on XX/XX/2019 and the company has not reported the acvount as of XX/XX/2019. I contacted them but to no avail, they still won't report the card. 
I need the account reported to boost my credit score. The reason I applied for the card was because of the promise that they would report my payment history to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: BARCLAYS BANK DELAWARE
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:
I filed a dispute with XXXX because my mother 's negative credit information is being applied to my credit report. I explained this in my dispute and provided XXXX my mother 's SS # to assist them in their investigation. My mother and I had the same name before my marriage. Note : I'm only having this problem with XXXX. XXXX  and XXXX  are 100 % accurate. 

XXXX  Investigation Comment : Barclay Card - Disagrees with dispute and charged off account. 

The disputed charge has remained on my credit report and it has prevented me from obtaining new credit.

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 2019-05-31
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian refusal to properly investigate the below accounts I have no knowledge or records of the listed accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please advise me as to the name ( s ) and address ( es ) of the medical provider ( s ), the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete. 

If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies in violation of HIPAA laws.

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 2023-05-14
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im confused to why XXXX sold my debt to IQ data but theyre still showing on my XXXX report twice and one time on my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I got approved a Citibank advantage credit card which is promotion XXXX miles after XXXX spend in XX/XX/XXXX. I also do receive email from them XXXX miles after spending XXXX after I approved their credit card. I called them requesting match the offer when I received their new card. Their supervisor told me he approved the offer and confirmed it. When I finish my XXXX qualification. I called them to ask about another XXXX miles. They said will pay me soon. In XX/XX/XXXX, I received the another XXXX miles instead of XXXX miles. I called them again they said will pay me another XXXX miles later in XX/XX/XXXX. But I still not receive another XXXX miles until now. I called them today again. Their supervisor named XXXX is very rude to me. Told me they can not pay me another XXXX miles because they changed the policy. What? This is very ridiculous. I called them many times, they promised me pay me soon. But they changed the story. I want to my XXXX miles. They should honor it that they promised it.

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 2019-02-21
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
hello I'm paying for a car loan too much interest of XXXX dollars a month just a little less than 50 % goes to the balance of the loan or is of interest charge XXXX dollars I've been paying almost a year XXXX and my balance shows that I paid just XXXX dollars Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Source receivable receivables recovery XXXX XXXX XXXX, from address XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX is aggressively attempting to collect $ 1220+ for the XXXX for collection AND REPORTED A COLLECTION ON CREDIT REPORT TO CREDIT BUREAUS FOR THE ACCOUNT THAT DOES NOT BELONG TO ME .... Numerous attempts to contact them via phone or mail only resulted in aggressive demands for personal information and demand for banking information and nothing from them validating this account nothing to prove that it belongs to my name to my social. Source Receivable keeps calling me XXXX XXXX but my name is XXXX XXXX NOT XXXX .... this is NOT ok ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: FIRST CITIZENS BANCSHARES, INC.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The bank promised that they would waive the {$25.00} early account closure fee for the checking and savings account since I had trouble receiving and activating my debit card. When the account was closed, however, I received a notice that they did charge me {$25.00} on both my checking and savings account, going against their previous promise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-02
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am in the progress of trying to fix my credit. I Noticed a collection on my account from a Jefferson Capital Systems , LLC. I never did any business with them and notice they said they were trying to collect a debt from when I had XXXX. To which I closed and paid my final bill. So i know I do not owe them anything. I sent them a certified letter with they account number that they have posted on my credit report asking for Validation of the debt. In accordance with 15 U.S. Code 1692g, I requested verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. I asked that if they do not have this information then to please remove it off my credit report. As of today they have not responded to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: QC HOLDINGS INC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I've received several phone calls from a lady whom identified herself as XXXX XXXX. She said that she is a courier for someone that is serving me with court papers. She wouldn't tell who the people were that was trying to serve the papers. She gave me a phone number to call XXXX and a case # XXXX, to get more information. When I called the number the first time ... it said the number is not available. I called the next day and a lady answered. She told me that she was collecting for a loan from Quik Cash from 2014. She said that there was a loan for {$300.00} and if i set up payment today. She will check with the attorney to see if they have already filed a court order and if not they will stop it. She put me in hold, came back and said ... .they have not filed, so if you want to pay only the original balance..you will need to set payments on a credit or debit card today and if not, you will have to pay over {$1900.00} total. I asked if I could be sent some paperwork in writing to let me know more information about this debt. She said they don't have anything to send. I can only get a letter from them after payments are made to satisfy the debt. I had payday loans in the past, several years ago. I recall paying my loans off. If this is truly my debt, I should be able to request this information in writing, so I can confirm if this is something that I owe or not.

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 2020-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 suffering from identity theft and have been trying to correct it for a while. I sent over all required documents to Transunion about 30 days ago. They haven't removed any of the fraudulent items I requested.

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 2022-08-05
Company: Experian Information Solutions Inc.
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:
I have recently requested for a full check of accuracy on all three of my credit 's reports from, XXXX, XXXX and Experian. I have done a full investigation on this accounts that I have notice to not be accurate on my reports, after I requested the credit bureaus to look in to the this matters at hand. I requested my credit bureaus check for accuracy in XX/XX/2022 and also in XX/XX/2022, I see there are serve accounts that are not accurate or not mines still present on my reports. According to The Fair Credit Reporting Act, 15 U.S.C.1681 section 602A. States I have the right to privacy. The Fair Credit Reporting Act, 15 U.S.C. 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. Here is the listed of account wrongfully, inaccurately, or not mines at all that is still been reported on all the credit bureaus or just on one or two bureaus. I also have a police report on where my wallet was stolen out of my car. Someone was trying to open accounts in my name. 

XXXX XXXX XXXX  Account Number XXXX XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX I Account Number XXXXXXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX Original Creditor XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number 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 2019-02-22
Company: EQUIFAX, 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:
An item was ordered from XXXX  and the treadmill was never delivered and the order was canceled. I called the credit card company, I was told that they can see that XXXX issued a credit for the full amount of purchase plus shipping, but the refund is in a pending status and thus they could not change the information on my credit report. I have done everything that I need to do, I not sure what to do at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: EQUIFAX, INC.
State: FL
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:
I HAVE RECEIVED A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Transunion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Transunion written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Transunion these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If Transunion wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately. 

" see attachment "

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 2019-08-09
Company: EQUIFAX, 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:
I HAVE NEVER WENT TO XXXX XXXX XXXX. 
IT IS SHOWING TO ACCOUNTS ON MY CREDIT REPORTS ON ALL THREE CREDIT BUREAUS AND FROM XXXX, ACCOUNT # XXXX AMOUNTS {$1900.00} {$85.00}

Company response to consumer: Closed with explanation