BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: BARCLAYS BANK DELAWARE
State: CA
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:
My issue is with my XXXX XXXX credit card through Barclay 's Bank. About 5 years ago I was on an XXXX XXXX flight and applied for this card because the XXXX attendant who was promoting it during flight assured me repeatedly that the XXXX miles I would be credited with upon obtaining and using the card would never expire. I continued to pay the $ XXXX annual fee for the card for years ( but not otherwise using it ) solely to preserve my mileage until I discovered my XXXX miles in my mileage plan had been deleted. I contacted both the airlines and Barclay 's and was told the miles had in fact expired - that I was given incorrect information. I contacted Barclay 's phone center on XX/XX/XXXX and spoke with " XXXX, '' explaining the issue, stating I wanted to close my account, and asking that it be closed retroactively to XX/XX/XXXX. The only balance on my account was {$99.00}, the annual fee, and it was now showing up as delinquent since it was due by the end of XXXX XXXX assured me this would be done and that I would receive an email confirmation within 24 hours. On XX/XX/XXXX ( today ) I emailed Barclay 's because I had not received any confirmation and in checking my online account, while closed, showed a delinquent balance of {$99.00}. Twice I emailed asking them to correct this and twice I received a boiler plate response about the closure.

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 2021-12-15
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
A Credit Report showed that I was a Joint Account Responsibility on a Barclays Bank of Delaware. The card was opened on XX/XX/XXXX. ( With No Activity ). The card was activated and a charge of {$15000.00} was charged in XX/XX/XXXX. The card has a {$18000.00} credit limit that some how I am listed as joint account responsibilities. I have no knowledge of this card and Barclays Bank will Not cancel or remove my name from the card. I am Not the Primary card holder. Someone is using without my knowledge of the card and making current monthly payments. They refuse to give me information on the Primary or cancel the card. How do I cancel or remove my name? Barclays Bank of Delaware is refusing to help me in any way. I am furious that I am listed on this Flexible Spending credit card with such a high limit ( {$18000.00} plus ) that I have zero knowledge of, but am responsible for as a joint account responsibility. A change of {$15000.00} was made XX/XX/XXXX. Again I have No Knowledge of this card. Please advise how I can resolve this situation. Sincerely, 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 explanation
Consumer complaint received 2017-08-23
Company: EQUIFAX, 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 information incorrect

Complaint:
I have a XXXX XXXX account. The last four of my SSN is XXXX. 

On XX/XX/XXXX I paid my credit account off and on XX/XX/XXXX the account was updated on my Equifax credit report to show a {$0.00} balance. However, on XX/XX/XXXX, XXXX XXXX updated my credit report account again to show a {$2100.00} balance, which is incorrect. I contacted XXXX XXXX to ask them why they changed the information and they simply told me I needed to wait until XX/XX/XXXX for the information to update again. This is unacceptable. I asked them to correct an error and they refuse to do so. 

I am trying to close on a line of credit for my business, and their mistake dropped my credit report score by over XXXX points. 

This issue needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Personal information incorrect

Complaint:
At the end of XX/XX/2021, I sent a letter to TransUnion asking them to update my phone number in the fraud alert they have on my credit file. Its causing issues whenever I try to apply for credit, being that companies cant verify who I am whenever they run my report through TransUnion, due to an old phone number being on file. I followed every step that a representative I spoke with told me to follow, in order to get my phone number updated by mail, including sending in 3 copies of proof of identity, along with my request. I receive a letter on XX/XX/2021, stating that I needed to send in the exact same information that I already sent in, in order to receive a copy of my credit report, when a credit report is not what I requested. The letter stated that the address that I provided is not listed in their records, yet its the same address that Ive lived at for four years, the same address that Ive received correspondence at, from them in the past, the same address that is on old copies of TransUnion credit reports that I received. Its evident that someone isnt doing their job. I called today on XX/XX/2021 to speak with a representative, they acted incompetent ( just like the letter they sent ), as if they didnt understand what I was asking. The representative then tells me that I can update everything online, which is a farce. There are many online complaints and reviews from customers stating how they get an error message whenever they try to update information through the online portal TransUnion claims to have, Im included in that experience. This is the reason why I was told to mail in the appropriate information to update my phone number. When I tried to fix it over the phone, the representative told me that they couldnt get any verifiable information to come up so that I can get verified. Its one thing after the other with this company. I follow instructions to get my phone number change, and in turn, I get an alert request form and a letter sent to me to update my addressrequesting the same proof of identity documents I already sent in. Therefore, Im also wondering where are the documents I sent in? This is very unprofessional and needs to be addressed. Its also complicating things whenever I apply for credit. Please hold TransUnion accountable for these actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Goldman Sachs is violating interest laws, credit card interest and payment laws, the EFTA and FCRA and has continued to do so after being informed multiple times. 

Background : Goldman Sachs acquired XXXX XXXX XXXXXXXX XXXX Card user accounts in XXXX of 2022 Due to alleged system issues they failed to process ACH payments resulting in false late payment account fees, no communications being sent to consumers. 

Multiple inaccurate fees were added to my account and I was informed they removed them. I tried multiple times to have my payments processed and when they continued to fail to process them I decided I wanted to pay my account in full to avoid the incompetence of Goldman Sachs and never do business with them again. 

On XX/XX/XXXX, I called in, expressed my frustration and was told the full amount due that i needed to pay to close my account. 

I paid and brought it to a XXXX balance which posted to Goldman Sachs on XX/XX/XXXX. 

Then, I received a notice that Goldman Sachs reported me as late to the credit bureau. I filed a complaint with them ( and the CFPB ) and I received a call from the management team and I was informed they shouldnt have reported that, they had too many issues with the acquisition and that they were supposed to abstain from credit reports. 

At the beginning of XXXX, I received a call from them, they said they got it cleared up and everything was resolved. 

They filed a response to my CFPB complaint about that single issue stating " WE NEVER REPORTED YOU TO THE CREDIT BUREAU, which was false, they indeed HAD, but I was fine with the matter being closed. 

Then today, I received a COLLECTION CALL. They said they had 'trailing interest ' they decided to apply to my account on XX/XX/XXXX in the amount of {$23.00} and then they assessed a late fee and reported me to the credit bureau XXXX 

CFPB, I am FED UP with the multiple violations of federal law. Goldman Sachs needs to be investigated for the acquisition of XXXX XXXX XXXX XXXX customer accounts. 
They are violating EFTA laws ( ACH payments ) FCRA laws for false reporting AND likely the CARD act for illegal interest accrual and payoff. 

To Resolve : waive the illegal interest, illegal late fee update my credit bureau that I confirmed today with your employees that GOLDMAN HAS RE-REPORTED ME TO THE CREDIT BUREAU THIS ACCOUNT WAS PAID IN FULL ON XX/XX/XXXX for the SOLE PURPOSE of ALLEVIATING MYSELF FROM GOLDMAN SACHS INCOMPETENT ACQUISITION OF MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I HAVE BEEN A VICTIM OF IDENTITY THEFT IN WHICH BANK OF AMERICA CALLED ME TO INFORMED ME THAT MY ACCOUNT HAD BEEN COMPROMISED AND BANK OF AMERICA WOULD BE ISSUING A NEW DEBIT CARD TO MY ADDRESS. 

I HAD TO QUARANTINE TO QUARTERS BECAUSE OF COVID 19 I HAVE ALSO BEEN INFORMED THAT I AM A VICTIM IN THE XXXX DATA BREACH I WAS FINALLY ABLE TO GET THROUGH TO BANK OF AMERICA WHERE BOFA INSTRUCTED ME TO FILE A CLAIM, IN WHICH MY FIRST CLAIM WAS FILED ON CLAIM ONE FOR {$5300.00} # XXXX XX/XX/2021 WAS APPROVED BY BANK OF AMERICA BACK OFFICE WHERE I WAS NOT LIABLE AND NO SUPPORTING DOCUMENTAION WAS NEEDED. MY OUTSTANDING BALANCE HAD NOT BEEN PLACED ON MY CARD WHERE I WAITED FOR ABOUT A MONTH UNTIL I WAS INFORMED A SECOND CLAIM WOULD NEED TO BE FILED AND I WOULD NOT NEED TO WORRY, IN WHICH CLAIM TWO {$19000.00} RE-OPENED # XXXX. XX/XX/2021 WHERE SUPPORTING DOCUMENTATION WOULD BE NEEDED NEEDLESS TO SAY, I SENT ALL DOCUMENTATION IN WHICH I HAVE ABOUT TEN SUPERVISORS VERIFY THAT SUPPORT DOCUMENTS HAD BEEN RECEIVED AND THAT THIS SECOND CLAIM IS PART OF THE ORIGINAL FIRST CLAIM. 
BANK OF AMERICA BACK OFFICE NOW STATES I AM BEING DENIED BECAUSE OF NO SUPPORT DOCUMENTS, BUT YET, I WAS JUST APPROVED BY BANK OF AMERICA BACK OFFICE WHICH CLEARLY PRESENTS A MAJOR CONTRADICTION I AM NOW BEING EVICTED FROM MY HOME BEFORE XXXX BECAUSE BANK OF AMERICA BACK OFFICE MY ONLY REQUEST IS TO PLEASE RELEASE MY FUNDS BECAUSE IVE PROVEN BY THE BOFA BACK OFFICE I AM A VICTIM. THIS EXPERIENCE HAS TAKEN A TOLL ON ME AND I ASK FOR YOUR HELP

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 2021-07-21
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
At the end of XX/XX/2021, I was involved in an accident that was deemed a total loss by the at fault party 's insurance, XXXX. XXXX paid my lien holder Bridgecrest a check in the amount of {$10000.00} on XX/XX/2021. Since receiving the check, Bridgecrest has made no attempts to payoff the loan. In fact, I am still being hit with fees and bills. I have reached out to Bridgecrest numerous time, speaking to managers, and customer service reps only to be told that the cashering dept is " backed up ''. I was initially told that the check would be fully processed no later than XX/XX/2021. It is not XX/XX/2021 and the check still has not been processed. Bridgecrest will not provide me with any answers or contact information for the dept. handling the payoff check. It is extremely shady and has been quite stressful as I am currently without a car and tied to this loan for a car that has already had a payoff check received. This is also affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The company does not want to solve my complaint after disputing over and over again as they provide no proof.

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 2017-04-15
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I purchased multiple  XXXX  gift card to give as gifts and when I gave them, the recipient informed me there was no money left. Unfortunately, by the time I filed the complaint, it was told the fraudulent transactionwas past the 6 month mark. Of course, if it was my personal credit card, I would have noticed a few days after the transaction, but given it was a gift, I do n't check the amounts regularly. I 've also physically mailed in my claim form and faxed it ove r ( the only  methods available ) and yet have heard no response from their dispute line. Apparently this is a huge issue with  XXXX  gift cards since the only digits that change are the la st 4. It 's  ridiculous that such a large credit card company has a known issue with fraud and yet have n't done anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXXXX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXXXX/XX/XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XX/XX/XXXXon XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XX/XX/XXXXon XX/XX/XXXX XXXX Reported Identity Theft ) 4. XX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported 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 2017-08-23
Company: CHECK INTO CASH INC.
State: AL
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 received an email alert from XXXX that I had two ( 2 ) recent credit inquiries that I did not authorize. Both were considered soft inquires, but it is still unknown if account was opened in my name without my permission. 

The first occurred on XX/XX/XXXX by Check into Cash at ( XXXX ) XXXX in Tennessee and the second one occurred on XX/XX/XXXX by XXXX XXXX. I know the XXXX XXXX has been investigated in the past for this. 

Check into Cash is looking into this matter and because of the known past history of the XXXX XXXX, I did not contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2021 I went to XXXX to request my 3 online credits reports. The only one that didn't give me access was Experian. However, I'm able to go to there website and pay to get my report online.

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 2021-12-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/2021 I request a payoff for a XXXX XXXXXXXX for XXXX XXXX XXXX XXXX 
They gave me a list with PAY OFF STATE TAXES BATTERY FEE FL DOC STAMPS LICENSE TIRE FEE PREDELIVERY SERVICE CHARGE ELECTRONIC FILE TAG AGENCY In the end I have to pay just payoff, state taxes and doc stamps Now I am trying to payoff my XXXX with XXXX XXXX and they said that is mandatory to pay all these fees, not only payoff and state taxes PAY OFF {$24000.00} STATE TAXES {$1600.00} BATTERY FEE 0 FL DOC STAMPS 0 LICENSE {$250.00} TIRE FEE {$0.00} PREDELIVERY SERVICE CHARGE {$790.00} ELECTRONIC FILE {$230.00} TAG AGENCY {$57.00} TAG AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In  XXXX  of   XXXX   I received my credit report and found there were  XXXX  collections being report by convergent outsourcing for the amount of  XXXX  and  XXXX . Upon placing a call with them i was told that these account were in collection for  XXXX   XXXX . The young lady on the phone gave me the addresses of both accounts. This is when I discovered that someone had stolen my identity. I filled out a forgery affidavit, had it notarized and made a police report. All of this information was sent into the credit report, and to   XXXX   XXXX   as well. all of this took place on  XXXX / XXXX /  XXXX  . It has been over a month and no one will tell me anything as to why these accounts are still reporting on my credit bureau.

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 2017-04-20
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
This was to be a temporary credit through  XXXX . They told me I was fully approved to cover my loans for school. After I had started to go to class they pulled me out of class to tell me that I did n't get approved for part of for tuition I needed.  XXXX  told me they could give me a temporary credit where I could paythe school back directly. After I graduated I started receiving bills from  XXXX  and then I called them they told me I had a private loan. I have called them and asked them to provide me with a copy of this loan or contact to show me where I ever signed an acknowledgement of this loan but they told me they ca n't provide it because  XXXX  is in bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2021 I sent notice to remove the alleged bankruptcy. I also attached the proof that XXXX removed the item since they furnished it. In XXXX I also sent notice that the bankruptcy sent stating that they do not give information to TransUnion. Im demanding an audit trail and the original instrument 15 U.S. Code 1692g ( IM DEMANDING VALIDATION & FULL AUDIT TRAIL ) attached is also my FTC report for this items. 
15 U.S. Code 1692g - Validation of debts U. S BANKRUPTCY ( alleged filing and a copy of the court docket ) 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : ITEMS MUST BE DELETED DURING NOTICE OF THE DISPUTE FROM THE CONSUMER

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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Transunion. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$330.00}

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 non-monetary relief
Consumer complaint received 2017-04-24
Company: ResidentCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Mutiple dispute letters sent certified as well as the agency   XXXX    XXXX  and no returned mail with valid proof or documents to proof this collection is mine that I requested.

Company response to consumer: Closed with explanation