BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Everytime I apply for a credit card with my bank Truist bank they claim that they can not verify my identity. 

This is impossible because they have a tool that already puts my personal information into the application fields for me after I sign in. 

If they already have my personal information on file, then how can they not verify my identity? 

Also, when I apply for any business product, the application says that my business is too risky - meaning that Truist bank has the wrong NAICS code for what my business is, which is harmful to my ability to acquire 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 2022-12-09
Company: BARCLAYS BANK DELAWARE
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX my credit card ( issued by Barclay Bank ) was fraudulently charged {$790.00} twice on the same day by XXXX XXXX XXXX XXXX. Totaling {$1500.00}. I called Barclay and the first time, they did nothing. I called again, and they said I never registered a complaint. This second time, I received a letter telling me that I was not responsible for the charges and that my account would be credited. It was. I closed my account and the bank issued me a credit but only for {$1200.00} not for XXXX. After closing my account, the bank sent me a check for {$1200.00}, not XXXX. I later received a statement for the period of XX/XX/XXXX - XX/XX/XXXX and they put the XXXX XXXX Charges back onto my closed account for {$1500.00} and send me a bill! It has been XXXX months since the fraud happened, they told me I was not responsible, took the charges off, I closed my account. They sent me a check for the balance but it should have been for the fraud amount. They did not refund me correctly to begin with and now they are charging me for the fraud. They have insurance and should be handling this.

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 2018-01-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I 've always made my payments on time and I totally forgot that I had a balance left on the card and did n't receive anything in the mail in regards to payment because of travel and holidays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-02
Company: Real Time Group, 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 status incorrect

Complaint:
In XXXX, XXXX XXXX XXXX sold $ XXXX of debt to Real Time Resolutions as I was not making payments on this line of credit, nor was I making payments on my first or second mortgage either, because we were upside down on the home ( owed {$450000.00}, sold for {$180000.00} ). The home was foreclosed on in XXXX of XXXX. 
This XXXX, XXXX, I pulled my credit reports, and noticed that Real Time Resolutions ( RTR ) was reporting a debt collection as a 'Mortgage ' and that it was 'Open '. This means the debt could be reported indefinitely. I sent RTR a letter, XXXX/XXXX/XXXX, demanding that they correct this as 'closed ', report is as a debt collection, list the original creditor and the original date of delinquency, as I believe it is past the statute of limitations on 7-Year reporting. I also demanded a copy of my 'Loan ' documents as well. RTR had previously had to remove a fraudulent report of a one-time payment, shortly after the foreclosure, I feel in a deceptive attempt to " RE-AGE '' this account. Why would I make a payment on anything on a home that I had already moved out of, and left for foreclosure? RTR corrected it. 
I just received a letter from RTR, XXXX/XXXX/XXXX, stating the information would not be changed, that it is 'correct ', with a cheap spreadsheet attached called " Loan History Summary '' ( also showing no payments ). I did not receive copies of the original " Loan '' documents as requested. 

Real Time Resolutions is a debt collector and a debt purchaser. They are not a mortgage company. I want the debt listed as a collection, with the Original Creditor listed and the Original Date of Delinquency listed as well, so this debt will drop off soon, if not now, as I believe I had not been paying on this equity line long before I stopped paying my mortgage. Otherwise, I want REAL proof that I signed a mortgage with this company, as demanded. What RTR is doing is DECEPTIVE, ABUSIVE and UNFAIR, and violates the Dodd-Frank Act. 

My credit is not improving after the foreclosure which happened over XXXX years ago. It is stagnant because of RTR, forcing me to pay higher interest and fees, and even forced me to pay an additional deposit on a home I just rented in XXXX, XXXX, due to my credit score. My current credit reports do n't even mention the old mortgages anymore, only RTR remains. I have read that RTR does all this to force settlements/payments, as they are the only ones left after foreclosures, and people ca n't move on and rebuild their lives until RTR gets paid, only because people are n't educated on Real Time Resolutions deceptive practices. 

Please help us resolve these issues, help us get proper documents as proof that we owe or do not owe, and make RTR report this debt as a collection correctly to the reporting agencies. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2023-07-01
Company: MARINER FINANCE, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
During the end of covis 19 pandemis.Struggling to maintain, out of work and credit score dropping.Recived a unsolicited laon check in the mail for XXXX from Marieiener FinanaceXXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXXAlthough the origianl instrcution about the loan process were reported.Once the loan was deposit I never heard another word either written of by electronic for over a year.Almost a year to the date I recive a summons by the local Sheriff to a [ ppear in court for non payment of a loan..Along with every document that should have been recived prior to the first loan payment.there is no excuse for non payment other than my finanaical inability to pay, due to chronic unemployment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an auto loan with Wells Fargo. At the end of 2020, I had a returned payment for insufficient funds which I promptly paid and brought the account current. The last couple statements of this account indicate that I have no missed payments or delinquencies. Two weeks ago, Wells Fargo reported me as 30 days delinquent. I promptly contacted them to correct the erroneous information and they have so far not corrected the issue on my credit report which has caused a 70 point reduction in my credit score and a reclassification of my credit worthiness.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They stole my identity and opened accounts which I am disputing and requested an independent investigation which they did not send to me and they did not delete the accounts from my credit report. These are the accounts Name 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 2023-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2023, I went to a car shop in nj to look at a car XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had told me I can get a loan better than the one my bank has given me I told them no Im okay, he asked again I said I dont want anymore hard pulls on my credit he them told me thats this wouldnt be a hard pull it would be a soft pull, he lied and capitol one made another hard pull on my credit after I just gotten my credit pulled by my bank and had a loan already

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have filed a complaint before through the CFPB and the case was closed due to the company 's response. With the news of this company being sued and some practices were deemed unlawful, this company is willing to forgive private student loan albeit some criteria are met. One of the criteria states the loan has had to be delinquent for 7 consecutive months before XX/XX/XXXX, with my bankruptcy being filed in XX/XX/XXXX and discharged in XX/XX/XXXX, does this qualify as I was unable to pay, however, the interest kept on capitalizing. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Negative impact of inaccurate appraisal

Complaint:
XX/XX/2023 my home was appraised for XXXX with recent upgrades to my home. However, at that time the comps for the same home with no upgrades are coming back at XXXX or more and the reason for my appraisal was because I recently made upgrades to my home and I believe my home after reviewing the comps in my neighborhood and with my recent upgrades that I was appraised unfairly and I feel as though I was discriminated upon. 

Below I have attached what my home is currently be estimated as on XXXX and XXXX and shared my neighbors home that is exactly the same with no upgrades.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: MS
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:
Someone has access to my personal information. There are inquiries on my personal credit report that I did not authorize. I want these inquiries removed immediately. XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Foris DAX, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I tried to withdrawal approximately {$4300.00} usd on XX/XX/XXXX. After reaching out to determine why I am unable to, I was advised that fraudulent activity took place on my account. I was unaware of this and have yet to see any proof that there was fraudulent activity. The only digital currency I currently hold is shiba. Crypto.com stated that there was a {$3500.00} transaction for eth. There are no eth funds in my accounts. Crypto.com is restricting me from accessing any of my funds. Even those that exceed the amount of {$3500.00}. I am requesting that this be further investigated. I have offered to supply statements showing that I did not make that transaction and do not feel it is legal for them to hold additional funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Komyatte & Casbon, P.C.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I already reached out to the credit bureaus and to this company to notify them of their errors. I DO NOT OWN THIS DEBT, I NEVER HAD A XXXX ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. When XXXX XXXX XXXX XXXX did not send any response to my correspondence, I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Self Financial Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My debt was sold to a third party and it does not show as paid. It is supposed to be shown as paid for less or paid since it was already paid when the debt was sold. Accounts- self, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
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:
I am concerned about the inaccuracies and compliance deficiencies in the credit report I received. The FCRA section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards require that credit reports be accurate, and I challenge all inaccuracies or deficiencies of reporting. I would like you to investigate this issue and provide me all available details on how it came about. With the potential for data integrity issues if these standards aren't followed, it is a serious matter that needs to be addressed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
To Whom It May Concern, I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the inquiries listed. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissionss Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-01-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FRCA Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason for immediate removal of these items from my credit report. It has been over 60 days, and I demand these items be deleted promptly or I will file litigation for my grievances.

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 2021-06-09
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Transworld System , Inc. 

CFPB - Are you serious to have this company under 3 big credit companies ' ( XXXX, XXXX, and XXXX  ) profiles? Are these companies really serious about consumer credit history and doing business with Transworld System, inc.? 

The Transworld System , Inc. is unprofessional and not providing any information regarding dispute collection, I understand, you may not believe. 

Please visit XXXX XXXX XXXX  and click on contact us and let your consumer know where that link takes you. Can you contact them via email so you have at least a written record over a voice call? 

Calling them is a cycle of the circus - the call keeps forwarding 1 representative to the next and at the end the calls going in drop off. 

If still not believing, please visit and review the Consumer Affairs website regarding the Transworld system - XXXX XXXX XXXX 

Is the CFPB agency going to do something with these types of companies or above three credit companies? These companies ruining consumers ' life to just file and report the dispute in our personal records for 7 to 10 Years. Is someone monitoring these 3 bureau agencies failing grades for consumers and their associate 's companies or customer will be always targeted and abuse by their services for life? 

I've disputed XXXX filing on my credit report, when I try to dispute using all 3 credit reports, no response found to resolve, they give me Transworld Systems limited info. The Transworld System even doesn't have proper communication contact information ready for the customer. What is CFPB looking for from customers to follow up? Could someone investigate Transworld System Customer service and their business practice and involve other 3 credit agencies and ask them why they are using Transworld systems on their behalf? I'm stopping here, you may find more information on the customers ' affairs website - Transworld system review. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above have violated my rights. 

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

15 U.S.C 1681 section 602 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 2023-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting 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/2023, BOA ran a hard inquiry on my personal credit report with XXXX. I was applying for a business account using my business 's XXXX number. My business 's credit report should have been run not my personal 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