BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-22
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My savings account was frozen on the XXXX of XXXX by citibank after I made several withdrawalls. They said it was being closed and investigated for fraud. I have never received a reason why and I have called the company dozens of times.XXXX  is frozen and they keep extending their date when they say investigation will be completed. I lost my apt due to inability to access these funds. the company refuses to give me a reason or send me the balance of my account. I need my money sent to me 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 2020-10-29
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
National Credit Adjusters informed me when I settle my accounts that it would be deleted from my credit reports. It was deleted from two of the bureaus report but not from the XXXX  report. I have disputed it, one of the accounts dropped off for a month and then it reappeared back on my XXXX  report. The other account with them never came off. This is not what I agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Texas attorney general is reporting inaccurate information on My consumer report as the attached files prove my claim by law with this inaccurate information this should be deleted. They are reporting that I only pay {$240.00} as my evidence show I pay way over {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Experian Information Solutions 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:
I request an investigation from the Experian company for the violation of the laws, US Court of Appeals, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX. By Defamation, financial Injury. Protection under the FCRA, FCRA Section 623. Injury to your credit report and credit score, FCRA Section 604 ( A ) ( 3 ). The Credit bureaus, " Experian '', refuse to correct information after being provided proof of inaccuracy, Defamation, willful injury, FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the XXXX XXXX Court Case XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). I gave them all the original information of the companies, Experian did not take my letters seriously and did not respond adequately to my claims, only responses by automated mail response systems. Experian refuse to correct information after being provided proof of inaccuracy. This is a violation of the " FCRA Section 623 '' law. As the FCRA and Experian do not respect the law and I have deleted the Claims- '' justifying that there is a duplication '' - that I write on your site, I sent a copy to the Attorney General of Florida to take over the violations of the FCRA and Experian. You have never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. the case of Child Support. Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate 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 explanation
Consumer complaint received 2023-11-17
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid my Barclay Card total {$2000.00}. They said they did not get but cashed the check. Took several months and i sent copies of front and back of checks. They removed one of the credits then gave me a late payment and account was paid in full. Now the credit bureaus have a 30 day late for XXXX in XX/XX/ which was Barclay error that the fixed. I disputed on credit bureas but still came back i was late. Credit score went down significantly and i was never late. Just disputed again with documents stating i was not late. This needs to be addressed. 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 2023-08-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$410.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29
Company: United Revenue Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, I mailed a letter Certified Mail to United Revenue requesting more information about an implied debt. I have yet to recieve any response from United Revenue regarding the information that I requested, nor have I recieved my return signature reciept back in the mail. I understand that it is not pass the 30 day time frame, but shortly after I sent the letter I have been getting updates to my credit report on a weekly basis by United Revenue, which was only updated once a month prior to my request. I believe that United Revenue is making a malicious attempt in retaliation to my request to lower my credit score, and damage my credit profile by repeatedly reporting the same information on a weekly basis with no apparent updates. I believe United Revenue intentionally did not the sign the return reciept and has catergorized my request as frivilous.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: TX
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 FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been banking with Wells Fargo for 40 plus years. When I use my debit card there is money in my account but Wells Fargo holds my withdrawals until a bigger withdrawal is made and then charges me multiple {$35.00} overdraft fees for all my previous withdrawals that should have been subtracted first. If they would subtract them in the order they received them it would be one overdraft, not multiple ones. This has been going on for years. If you call them about it they act like they don't understand.

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 2020-10-29
Company: EQUIFAX, INC.
State: GA
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 was a victim of identity theft and noticed unauthorized inquiries and accounts reporting on my credit report. I contact the creditors as well an the three bureuas to take action to getting this information corrected. I was told I needed to submit an FTC report along with police report which I provided. After about 10dyas I called to check the status of my case and was told by a supervisor that my documentation that I printed from the FTC site was not approved. This has caused me emotion stress and cause me denial of applications due to unauthorized, inaccurate reporting from the credit bureaus from no fault of my own due to negligence of my information being leaked from a data breach from the credit bureau. I have done what was asked of me and the credit bureau is not following the law where it states FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Student Loan Direct
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I was called in early XXXX 2019 about Student Loan Forgiveness. On XX/XX/2019, I called them back and I was told by XXXX of Student Loan Direct 1 ( studentloandirect1.com ) whom I called at the following number : XXXX that I was enrolling in an " Income Based Government Forgiveness Program ''. On XX/XX/2019, I emailed ( XXXX ) her my 2 lowest pay stubs for the last 60 days and a copy of my drivers license. I also gave her my social security number. She said the fee for the program was {$250.00} for 4 months and I gave her my account number so she could start the first payment deduction onXX/XX/2019 which did come out. I digitally signed an agreement with Student Loan Direct 1 authorizing the withdrawals. She also told me that she would get my 2 loans with XXXX in forbearance for 4 months. She recommenced that I contact XXXX in XXXX to discuss how to pay back one of the loans as she was only enrolling my parent plus loan into the program. She said to enroll the other loan into the ICR ( Income Contingent Repayment ) program with Navient at that time. She layed out how much I would be forgiven if I stayed with the program and that the forgiveness would come at the end of 240 months of paying {$5.00} or less per month to their company Student Loan Direct 1. She said I would have to be recertified every year to check my income and that I could do it for free myself online or have them file for me at a cost of $ 199/yr. She recommended I do the filing with them because they were less stringent. She said that if I was not approved for this program in 90 days that I will be refunded all that I paid into the program. I called XXXX on XX/XX/XXXX19 as they sent out a forbearance acceptance so I wanted to talk to them about this Forgiveness Program I enrolled in. They informed me that they don't have any arrangement with Student Loan Direct 1 and that I should put a stop payment on my account, file a complaint with Consumer Financial Protection Bureau, and also file a local police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: AFNI INC.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Last week, a debt from Afni was added to my credit report. The date stated that it was opened is XX/XX/2016, which is a lie. I did not have XXXX XXXX XXXX first off, secondly I did not receive any written notification for this debt whatsoever, and if anything were opened in 2016 it would not have just appeared on my report last week. I have proof from all credit bureaus it was never there. Also, since I have never received anything about this debt, I also never received any written notices of my right to dispute or to request validation ( not verification, VALIDATION. ) They are violating multiple rights per the FDCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2018-09-09
Company: EQUIFAX, INC.
State: AR
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:
CEASE AND DESIST COLLECTIONS ON FRAUDULENT DEBT AND REMOVE ALL CREDIT REPORTING AT ONCE OR BE SUED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I recently reviewed a copy of my credit report from XXXX, XXXX and XXXX and noticed that I was reported as being late on this account which has caused severe damage to my credit score. After doing some research and coming across the Fair Credit Reporting Act, I see that I am allowed to dispute any and all late payment history being reported if I feel it is inaccurate or incorrect. 

I was affected by XXXX. Per the amendment of the FCRA with the CARES Act passed by Congress in XX/XX/2020, any late payments need to be removed from my credit report and updated as paid on time with zero lates that were reported since XX/XX/2020. 

I already disputed this with the credit bureaus directly and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. 

Therefore, I would ask that you please conduct a reasonable investigation on the inaccurate negative information being reported on my credit for any errors or mistakes on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Paypal Holdings, Inc
State: TX
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:
On XXXX XXXX 2020, I ordered some pool filters for a total of {$170.00}. The item was supposed to be delivered by XX/XX/XXXX. When I did not receive, I contacted XXXX XXXX to discover where the package was. They said it's location was unknown. 

I contacted the seller on XX/XX/XXXX ( item still had not shown up ) and he indicated he only had one left, so I ordered a replacement on XX/XX/XXXX. I disputed on XXXX as " Item Not recieved '' I received the second item ordered, by the expected delivery date. About 3 weeks later I received the the first item ordered. I contacted the seller and he sent me a shipping label. I sent the item back to the seller, and attached is XXXX  XXXX  tracking label and delivery verified from XXXX XXXX. 

As requested, I sent the attached items to the dispute department at XXXX XXXX. My dispute was declined, even though I sent the attached info, showing XXXX said they would refund the money, Seller said he received the item I returned. 

They indicated that PayPal refused to issue refund, but would not explain how or why it was refused. 

XXXX XXXX  issued me a credit to make up for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: ALLY FINANCIAL INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have a complaint about Ollo Credit card and Ally. Ally has taken over Ollo, and interest rates on this card has gone up to 30.49 % in the past couple of months from like 25 %. Is anybody regulating these credit card companies? 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 2023-04-27
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
There is a loan reporting on my credit from the Cash Store. I never had a loan from this place. This is fraud. I disputed it with the Cash Store, they just ignored me and continue to report it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: OneMain Finance Corporation
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving numerous calls a day from this company ( XXXX XXXX XXXX ). I understand the law states a debt collector is allowed to call 7 times over a span of 7 days, however, I am receiving XXXX to XXXX phone calls every day of the working week. The company is also calling my wife, who is not on the contract, numerous times a day during the work week. I am not sure how they obtained my wife 's number and the phone calls are affecting both of us at work. I have screenshots to prove the excessive phone calls. The payment they are seeking was not even 30 days late!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am going through a lot of things right now mostly financial difficulties and Im trying to get back on track. Capital one called me so many times a day that I am completely overwhelmed and feel harassed that I dont even want to call them back. They fill up my voicemail on a weekly basis to the point where I miss important messages from doctors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: EQUIFAX, INC.
State: TX
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:
While reviewing my consumer reports, I found my consumer rights have been violated. In Accordance to the Fair Credit Reporting Act. 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( I ) States the term consumer report doesnt include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX XXXX, Equifax is reporting late payments for 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 is an experience created by credit usage 15 USC1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the Fcra Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my 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 explanation