BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: Giggle Finance Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
On Wednesday XX/XX/XXXX I Was Contacted Through Text Message For XXXX Hours By Someone Unnamed Who Was Hassling Me For Money. I Was Then Threatened By Them Stating Attorneys And Lawyers Will Reach Out XXXX Me Tomorrow For {$1500.00} If I Didnt Pay {$68.00}. I Stated I Didnt Get Paid Till XXXX And They Said I Had Till XXXX Or The Collections Department Will Get The Notice. I Then Tried To Pay On The Website Around XXXX Because My Check Was Late And I Was Told The Collections Department Will Contact Me Tomorrow. I Proceeded To Pay And The Website Was So Insecure I Clicked Pay Now And It Processed XXXX Payments Instead Of XXXX. After That Payment I Turned Off My Card And Active Bank Account Off And Deactivated Them At XXXX. On XX/XX/XXXX At XXXX And XXXX I Was Contacted Stating The Payment Can not Be Processed Even Though I Paid For This Week And Turned Off The Card.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
There are several things which need to be corrected. First of all, I do not remember submitting for a Consumer Credit Report but I have one that was mailed to me and one that the employer gave me before I was terminated from work. The other problem is I want a copy of a CRA that was signed by me for any job I have applied for or have had in the past. The other issues are the data that was provided is not correct and lacks information which should have been there but wasn't. There is only one issue on the CRA 's that I have but it is incorrect. If the CRA is going to put down an issue it should have given the employers sought a correct copy of the report with the correct issues. If these issues aren't taken care of as soon as possible I will commence a lawsuit against this CRA and another whom I have evidence regarding the employment issues which have led to my not receving any offers of employment. These employers are XXXX XXXX, XXXX, XXXX XXXX XXXX, and. XXXX XXXX  XXXX just to name a few. There are many employers which I know of but can't access their reports of why I can't get hired.

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 2023-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/ I received emails and text messages referencing a checking account with Capital One that was fraudulently opened under my maiden name. I called Capital One to close the account on XXXX XXXX and was told I successfully closed the account and would receive a letter confirming that within 10 days. I also mailed a letter on XX/XX/ to Capital Ones fraud department to reiterate the closure of that account. I have not received any confirmation that the account was closed and on XXXX received another email from capital one that I needed to sign into my account to complete setting up my account or it would be closed. This indicates that the account was never closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: BARCLAYS BANK DELAWARE
State: CT
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:
Between the dates of XX/XX/XXXX and XX/XX/XXXX, My Barclay XXXX Rewards card was used for unauthorized purchases. The credit card was taken from me without my knowledge. Prior to these charges, the card had not been used since XX/XX/XXXX. The card was take without my knowledge or agreement by a minor living in the same residence as me. I disputed these charges with Barclay within the 30 days, of them being billed. It was only after a received a call regarding a payment due, that I became aware that the card had been taken from me. Barclay denied my fraud claim as a domestic issue. I then wrote a formal complaint letter on XX/XX/XXXX to the Senior Customer Experience Manager at Barclay. Barclay then sent a letter, dated XX/XX/XXXX, stating that I communicated account information to another individual and I allowed that individual to use the account. I never gave such authorization for anyone to use my card nor did I provide account information to the minor child to use my credit card account. It was not reported stolen within 48 hours, since the card had not been used for a prolonged period of time and I do not take a daily inventory of the credit cards in my wallet. The card was simply taken and used without my authorization and it should not make a difference who took the card and whether or not they reside in the same household as me. I have attached Barclay 's response to my complaint, which includes all the listed disputed charges, which total {$490.00}.

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 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried calling all three bureaus and can not get past automated system. I have also tried getting online help with those that allow that and nothing. With Trans Union I can not log into my account and for some reason I am getting message information is wrong and it isn't. I have even reset my password and it still says the information is wrong. Now I can not reset because I keep getting looped back to please enter your social security number. I filed disputes on 6 accounts a while back and have not received any report back or confirmation. On XXXX   and XXXX  I was able to log in but these disputes are nowhere on my account or report nor are they in my alerts. I am sure it is so with Trans Union but I can not check because I can not log in nor reset my password. I am tired of dealing with these people.

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 2023-01-04
Company: Genesis FS Card Services, Inc.
State: UT
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:
XX/XX/XXXX XXXX credit card= never got card nor info advs to cancel i did not recived anything from them. called them and they said they will report to XXXX that i do not have an acct with them but they still pulled my credit report XX/XX/XXXX XXXX  never applied for an acct but yet they pulled my credit report. 
try to call them but would not talk to me. 
i am trying to rebuild my credit and someone is applying for other accts i did not give permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: EQUIFAX, INC.
State: LA
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:
On XXXX XXXX, XXXX I got a copy of my Equifax credit report from XXXX. On that copy of my report, there is a charge off from XXXX XXXX XXXX. The " Date of First Delinquency '' is listed as XXXX XXXX, XXXX. The Delinquency First Reported Date is listed as XXXX XXXX, XXXX. The months reviewed are listed as XXXX. 

On XXXX XXXX, XXXX I got of my Equifax credit report from XXXX, again. On that copy of my report, there is a charge off from XXXX XXXX XXXX. The " Date of First Delinquency '' is listed as XXXX XXXX, XXXX. The Delinquency First Reported Date is listed as XXXX XXXX, XXXX. The months reviewed are listed as XXXX. 

How is it possible for these dates to change? They are trying to illegally re-age my negative account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
I checked my credit and noticed some accounts that had misinformation and other accounts that werent mine to begin with. I mailed dispute letters to the credit bureaus to get the investigation started XX/XX/2020. It has been over a month and I still have not received a response from the credit bureaus.

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 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-07-03
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:
Account name : XXXX XXXX XXXX XXXX Account name : XXXX -Account name : XXXX XXXX- Account name : 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 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 2019-08-28
Company: Santander Consumer USA Holdings 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 do not have the date, but when I recently called the phone number in the letter from Santander Consumer USA, the representative could not tell me why my credit was run without my permission as evidenced in my XXXX   credit report. After writing XXXX, the item has been removed but I want to file a complaint for this should not have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
there are fraudulent bank inquiries on my Chex systems file I need removed. I don't recognize all these bank inquiries nor did I authorize them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Block, Inc.
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had XXXX transactions were the funds was deposited into an account that I am not accolated with. I have summited XXXX claim and was denied a refund. Since I don't have and I am not linked to the account the money was deposited the bank will not refund the money as well. 
In XXXX XXXX my Cash App. was compromised/hacked and I had to get a new card. I did not realize at that time they added a debt card to my account to to have monies deposited in. 
On XXXX XXXX XXXX XXXX XXXX a deposit of {$56.00} was deposited to this fraudulent account and on XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$100.00}. 

The fraudulent account is with XXXX XXXX and I don't or have I ever had an account with them. 

I was denied my refund twice, stating I authorized this transactions and I did not. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the following information in my file. 

Enclosed are copies of previous disputes and other documentation supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions 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:
On XXXX XXXX I had opened up a dispute with XXXX XXXX XXXX XXXX. I had informed that the XXXX XXXX XXXX that I had returned a defective jacket. XXXX acknowledge the defect and return. The sent out another replacement jacket but it never arrived. I in turn requested a full refund of {$850.00} and was credited by XXXX XXXX. XXXX XXXX XXXX was suppose to credit the full amount of {$850.00} but it was never credited to my account. This in turn cause the dispute between myself and XXXX XXXX XXXX. This resulted in the late payment. 
I have provided the necessary document on the return, pic of the defect, and follow email of the non arrival of the replacement item. I still have the corresponding email between myself and the XXXX vendor. I can provide all of this to help prove my case. 
Experian Credit reporting number : XXXX I have also paid the amount in full to XXXX in hoping to avoid further late charges and negative reporting. and hoping to resolve it through the credit reporting.

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 2023-04-05
Company: Consumer Portfolio Services, 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: Information belongs to someone else

Complaint:
i am a victim of identity theft and i did not authorize these companies with written consent to report anything on my credit report. no consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/18, I contacted Navy Federal Credit Union and spoke to XXXX, Consumer Loan department. I inquired about my personal loan and why I was being charged {$29.00} fee assess since XX/XX/2018, which I wasn't aware of. XXXX was not able to assist me and he talked hastily and was discourteous. I was very dissatisfied with his service, and told him that I wanted to speak to his supervisor and was going to write a complaint against him. He said, that's okay, go and make a complaint on me, and you should wait 3-5 minutes to talk to my supervisor. I then spoke to XXXX, Supervisor, Consumer Loan about why I was being charged {$29.00} which I was not aware of and there were times that I would contact Navy Federal Credit Union to inform them of my payments due to direct deposits received from my pensions since I am a XXXX veteran, retiree and on a fixed income. I also asked whether Navy Federal credit union has a grace period less than 10 day. She informed me that there are no grace period on loans which I was not aware of. She apologized that I was not informed about that. She informed me that XXXX XXXX XXXX does not guarantee grace period on loans. I was charged the following : XX/XX/18, fee assessment, {$29.00} ; XX/XX/18, increased balance adj, {$29.00} ; XX/XX/18, fee assessment, {$29.00} ; XX/XX/18 ; increased balance adjustment, XX/XX/18, {$29.00} ; XX/XX/18, fee assessment, {$29.00} ; XX/XX/18, increased balance adjustment, {$29.00}. I informed XXXX that Navy Federal Credit Union has been overcharging me and I didn't received any notice of such fees. In addition, I inquired about my credit card loan, which was paid on XX/XX/18 in the amount of {$360.00}, and she informed me that she didn't see any payment come through and ask how I paid it. I informed her that I walked into the bank and made a payment on XX/XX/18. She misled me in notifying that my credit card payment was not paid for the month of XXXX. I was not satisfied with her information. My husband and I are both senior citizens and XXXX veteran, retirees, and on fixed incomes. We've been with Navy Federal Credit Union for approximately five ( 5 ) years, and sometimes receive lousy customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Hello, I had signed up for a XXXX XXXX XXXX  Credit card in XX/XX/2019 and made the mistake of purchasing some things and then letting the card and amount go into collections. I never really was taught the proper way to handle credit cards and have made some mistakes. Over the past year I have really taken the time to understand finances and the importance of good credit. I am a responsible adult and am really trying to clean up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, 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 not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities on an account that is already open

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have received XXXX cards issued by Bank of America, a XXXX XXXX XXXX XXXX in XX/XX/2022 and a XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. These cards were in my name and already reported to the credit agencies. I did not apply for either card. I was able to successfully cancel both cards after a lengthy process of calling about both. The phone numbers on both to contact them were the same XXXX. I dont believe this was done by a scammer because both cards came directly to me and were not used. I do not own an all use credit card other than the one from my bank. The cards have affected my credit scores when I have them cancelled, even though I have never used them. When I call to have them removed the person I talk to is not able to tell me how or why these cards were issued or how I can prevent this from happening again. They told me I would be issued a letter ( form letter ) that is generated to everyone and not to a specific complaint that it is resolved. I am reaching out to this agency to help me prevent this from happening again.

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 2017-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On X/XX/17 I reached a settlement agreement with XXXX XXXX XXXX for the account ending in XXXX with an original balance of {$14000.00}. The account is now paid in full. XXXX XXXX XXXX updated my credit report with all three bureaus to reflect the payment I made, showing a remaining balance due. The accounts do not show paid in full and remain as charge offs. I have exhausted the dispute resolution process with XXXX Transunion, and XXXX and am seeking assistance from the CFPB to resolve the matter. I have attached the settlement letter and a recent copy of my 3 bureau credit report. <P/>XXXX XXXX XXXX has been paid since XXXX and the company has failed to timely send confirmation of settlement to me, and failed to accurately report the account on my 3 credit reports, to include inaccurate investigation results.

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