BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. 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 an account without my written instructions. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.

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 2022-10-31
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I wasted about 2 hours today getting transferred between incompetent agents who had no clue on how to do their job. 
XXXX was advertising the Barclays XXXX card and since I am a member I decided to apply. The application experience was the worst that I have ever encountered. The application went to pending and the website doesn't even provide any sort of application or reference number. I tried to reach out and they ended up transferring me at least 6 times over 4 phone calls. One agent even transferred me to XXXX, I cant even imagine this sort of incompetency. 

Anyways, I am XXXX XXXX XXXX of 12 years. I have an existing active Barclays Savings account which had pretty substantial funds in that. I had plenty of Barclays card in recent past. I have an XXXX XXXX XXXX. But looks like Barclays credit card department is totally dysfunctional and can't figure any of this out and I guess all these departments are siloed and dont talk to each other. They want me to fax or mail them a copy of my social security card, a copy of my passport and a copy of my utility bill. Even in this day and age, they have no way to securely upload or email any of this. I dont feel secure faxing or mailing any of this specially a copy of the front and back of my Social security card. 

I am filing this complaint in the hope that it might reach someone sensible at Barclays who can fix this fiasco.

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 2022-09-13
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: Was not notified of investigation status or results

Complaint:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character 1. Did not consent to authorized this inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. Did not consent to authorized this inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. Did not consent to authorized this inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. Did not consent to authorized this inquiry XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
6. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
7. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
8. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
9. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
11. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please investigate and remove from my credit report. 
13. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX  Account Number : XXXX Please investigate and remove 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 2021-09-13
Company: CarMax, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
This is my second complaint again CarMax Auto Finance. I sent them an affidavit of truth on Friday XXXX XXXX with 5 Federal violations according to the Fair Debt Collection Practice Act 15USC1692 against me the consumer. They responded by saying with the contract that I signed and my payment history. According to CarMax Auto Finance, my contract is a legal document which makes my debt valid. I also asked for a letter stating who the original creditor is and they havent sent yet. I have written them another affidavit of truth with 11 federal violations acceding to the Fair Debt Collection Practice Act. Along with a new invoice for all the new violations and a copy of my old invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Acceptance Solutions Group, INC
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I had vehicle problems and needed some quick cash so I took out a loan of {$550.00} from Ohio Acceptance. It was all done over the internet and quickly. They set a {$100.00} payment to come out of my checking. So far i have paid them over {$1000.00} back and they still say i owe them $ 600+. This is completely ridiculous and they are preying on consumers with poor credit. I do n't even think it is legal to charge 700 % interest and I definitely did n't know this was the case. Every week now a few times ( six times last week ) they try to deduct my account which i have told them is empty and I keep getting overdraft after overdraft. When I contacted them about it they pretty much laughed and said there was nothing they could do. Meanwhile i am in financial ruins and ca n't even pay my bills over this nonsense.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Was not notified of investigation status or results

Complaint:
Upon viewing all three credit reports from the credit bureaus, I began to inquire about the validity of the accounts. I then began to question the bureaus to verify and validate all the accounts listed. All three agencies have failed to verify the accounts as required by the Fair Credit Report Act Section 609 ( a ) ( 1 ). All correspondence was forwarded via certified mail and standard mail on XX/XX/2022 to ensure its arrival. ( tracking numbers have been provided ). XXXX forwarded correspondence advising dated XX/XX/2022, that they received the request that included my information, but didn't appear that I or a properly authorized third party sent it to them. The document in question was signed on XX/XX/2022 in front of a notary where a valid ID was required. All in attempt to avoid and delay this process which should have concluded within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX i signed a 60-month contract agreement with XXXX XXXX  XXXX i begin having financial issues unable to make payment on time. recieving late payment statements stating of my failure to make payment on time. XXXX  is reporting the contract is 72 months and my first and last payment was XXXX. ive submitted supporting documents from XXXX  however transunion and XXXX seem to state XXXX  is verfying the debt, i recently made complaint with cfpd regarding XXXX  adverse action regarding not reporting correct information and XXXX, and they deleted the account from my report.i submit compliance with business XXXX XXXX against XXXX  and they fail to reply.

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 2021-11-05
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 have sent several requests to the credit bureau, exercising my rights as a consumer to fair reporting. They have not complied with my requests nor have they completed a timely investigation. There have not been any correspondence with regard to my request for verification of what is reported on my credit file. There are several errors that have not been resolved, nor have I received communication within the 30 days.

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 2022-09-13
Company: OneMain Finance Corporation
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: Account information incorrect

Complaint:
I was never late on this paid off account please show me documentation showing proof of transactions showing where I was ever late to support youe inaccurate reporting on my account.if you can not supply this please delete alleged late payments from my credit report per 15 usc1666B a creator may not treat a payment on a credit card as a open ended consumer report plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
I was never late on this paid off account please show me documentation showing proof of transactions showing where I was ever late to support youe inaccurate reporting on my account.if you can not supply this please delete alleged late payments from my credit report per 15 usc1666B a creator may not treat a payment on a credit card as a open ended consumer report plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Paramount Recovery Systems, L.P.
State: MO
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of identity theft in the bureaus aren't doing anything about it .... i been sending notices letting them no they are not responding, violation under the FCRA ITS MUST BE REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX4682****has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXhas violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 if 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 2022-10-25
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Made electronic payment from my XXXX XXXX XXXX to Citi Cards account. Citi has received payment, payment cleared my XXXX XXXX, but XXXX won't post payment for 2-3 days. This payment was originated on XX/XX/2022, cleared my XXXX XXXX on XX/XX/2022 and has yet to post to my Citi account. Previous payment ( electronic ) originated on XX/XX/2022 from same XXXXXXXX XXXX/same account credited to my Citi Card account XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
regarding CaplitalOne Venture card : I called about a month ago to dispute a charge from XXXX on XX/XX/XXXX for {$580.00}. The representative told me that the dispute had been logged, case # XXXX and was submitted. But a week later my office received mail they scanned and emailed to me with a form that was needed. I completed the form the same day and called requesting a digital upload link ( as suggested by the company ). The person said that their computer was messing up and that they would send the link when it was fixed, but I had to call in almost a week later to make the same request again. After finally receiving an upload link, I uploaded those documents about two weeks ago. Because CapitalOne does not have a method for customers to check status updates themselves, I called in on Tuesday XX/XX/XXXX and first spoke with XXXX ( emp ID XXXX ), who placed me on hold while he researched and then dropped the call. I called in about 10 minutes later when I didn't get a call back and the next employee reached out to XXXX and responded saying that his phone had dropped because it wasn't working. So I got transferred to the next supervisor XXXX ( emp ID XXXX ). I was on the phone with XXXX for another 2hrs and 58 minutes while he looked into cases. During this call, XXXX put me on hold for almost 1 entire hour while he researched this case. When he came back on the line he explained to me that the bank DID receive my uploaded dispute document over a week prior, but failed in its duty to submit the case notes to the vendor as a charge back. He told me that there was a glitch in the system and it should have done that. I was upset that several weeks had passed and all delays to date have been from my very own bank not following through, but thought he had fixed the issue when the call ended. Late yesterday XX/XX/XXXX I received an email from the bank saying they had an update. The update states " Thanks for letting us know that you're no longer disputing the charge with this merchant.Since we previously credited your account for {$580.00}, the amount you were disputing, we are reapplying that charge to your account. The adjustment will appear on your next one to two billing statements. At this time, we consider your case closed. '' I never closed this case, this is so inaccurate. I called today and requested the same manager " XXXX '' that helped before as he asked me to do, but was told that he would have to call me back - he never did. Now I just found out today that the end vendor who actually received the funds and does not reply to any requests to resolve the matter with them directly, " The XXXX XXXX XXXX '' is closing permanently. I really hope that this does not affect the dispute. 
Please please please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I got an loan from cash net USA in XX/XX/2019 for {$530.00}. After calling the company about how long it would take to pay off the loan they could not give me a definite answer. Also I noticed that every month my payment would be more than the last payment. Even though I am a senior citizen and have a XXXX  XXXX it strikes me that cash net USA is practicing in good faith. I can not pay for this bill that seems to follow me to my grave! I'm not sure what to do at this point. Please help me with this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Bread Financial Holdings, 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:
In XXXX of XXXX Comenity Bank opened an account under my name for XXXX under forgery. I contacted Comenity bank about the fraud/identity theft. Comenity claimed they would investigate the matter but never did. After several attempts to contact Comenity bank about this issue failed I opened a fraud complaint to XXXX XXXX and XXXX XXXX in XXXX of XXXX. Soon after account was closed by comenity bank but Comenity bank kept posting derogatory remarks and late payments on my credit reports. I filed an incident report with local authorities about the forgery and Identity theft and contacted an Attorney on XXXX of XXXX who contacted Comenity Bank about the matter. Comenity Bank denied having an account under my name and suggested taking it up with the credit bureaus and opening a dispute which I did once more. Comenity Bank then sold the account to a collections agency knowing the account was fraudulent. Soon after I was contacted by the collections Agency. I once again opened another dispute with all credit bureaus and supplied the new documentation for reinvestigation and asked the credit bureaus to delete the incorrect information. Credit bureas have not complied.

Company response to consumer: Closed with explanation