BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: BARCLAYS BANK DELAWARE
State: HI
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: Other problem getting your report or credit score

Complaint:
I have one line of credit, a Barclay 's credit card since XXXX. I spend {$1000.00} or more a month and always pay my monthly balance. My credit score in the past has always been high. In XX/XX/XXXX I disputed a transaction. Barclay 's told me several times at the time of the dispute and recently the dispute would not affect my credit score. There seems to be no end in sight in resolving the dispute, as it has been 3 months with no update. 

Recently I ran into car problems and found myself needing a new car. Thinking my credit was good, I went to the dealer and was shocked to find out I have no credit score or no history to score on when a report was ran. I then went to 2 other banks, went through the process of getting an auto loan, and was told the same thing. I ran a report on XXXX myself, and I have no score. There is a comment on the report for my Barclay 's credit card that says " account in dispute '' and " no transaction history ''. I spend about $ XXXX {$20000.00} a year on my credit card and this is completely false. This has caused me much hardship and forced me to get a loan at a higher interest rate. I'm also looking to become a first time home owner and I have ZERO faith that my Barclay 's credit card will do anything to help my credit. I have tried to call all the available Barclay 's departments I can reach from and was told to write a letter to the Barclays FCRA Credit Bureau Dispute. The department I wrote to does not answer phone calls and only accepts letters. The Barclay 's department I spoke to on the phone can only confirm that Barclay 's does report my credit score, but could not confirm if it was being reported properly.

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 2022-10-10
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize the following charges or open the following accounts. 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 Commission 's identity theft affidavit. I have been a victim of identity theft since 2014 the suspect ( s ) also tried to file a tax return in my name I have also attached the affidavit from the Internal Revenue.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 2023-02-27
Company: EQUIFAX, INC.
State: NC
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have 2 credit cards that were charged off back in XXXX of 2018 IL Law states after 5 years of charge off it must be removed from credit report. Each report reflects one card and another card on other but both should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Pursuant to 12 CFR 1024.36, I am submitting this qualified written request for a clarification and adjustment in accounting records. Please address items one through seven independently. 

1. {$24000.00} was due to the XXXX XXXX Collector as of XXXX. This amount was paid by XXXX XXXX Citizens Bank. XXXX added in a balance {$31000.00} to XXXX account # XXXX for tax expenses. The tax adjustment was {$6900.00} more than the actual tax amount. 
2. The loan modification executed for loan # XXXX on XXXX ( ex B ) shows that {$4400.00} was recapitalized to pay delinquent taxes to the XXXX XXXX collector. This amount should have been deducted from the {$24000.00} gross amount due. 
3. The deferment amount of {$31000.00} listed on the loan modification ( ex B ) was established to cover taxes due for the XXXX XXXX Collector. After the loan modification was executed, the servicing rights were transferred to XXXX XXXX XXXX ( XXXX ). XXXX has acknowledged that the {$31000.00} was set for deferment of the delinquent taxes. 
4. The escrow statement for 2015 shows a negative escrow balance of {$1400.00}. This figure does not match any of the figures represented in previous escrow statements. 
5. Per the attached ledger, {$1800.00} & {$130.00} were adjusted prior to the loan modification, so the {$2000.00} was recapitalized within the modification figures. This amount should have been adjusted off the {$24000.00} tax amount due. 
6. In total {$13000.00} in accounting errors exist. The total amount added to the XXXX loan should have been {$18000.00}. 
7. The deferment of {$31000.00} gross amount needs to adjust as well to the {$18000.00}. That deferment needs to be applied to either the XXXX or the modified loan, not both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XXXX of XXXX, my wife and I moved to a new house in XXXX Ca. As a result, we used our XXXX from Synchrony Bank more than usual as well as another credit card from another bank. The purchases were for goods and services needed for the new home and would be in line with what one would expect in our situation. 
Synchrony started questioning our purchases by not allowing the purchase to be made, they were telling us the purchases were not customary and therefore may be fraudulent. After repeated calls to the bank and their fraud department to explain we had just moved and had purchases as a result, they still prevented us from using the card by blocking transactions we were trying to make. Fortunately, we do have another credit card from XXXX XXXX which allowed us to make the needed purchases. 
Please note, at no time were we late on any of our monthly payments, they were always paid in full each month and on time. We have had the card since XXXX and have only recently had troubles with the bank. 
When we contacted the bank, we were treated very rudely as if we had done something wrong. The bank then told us we needed to add a second layer of security by taking a picture of myself ( I am the main cardholder ) and adding it to their website via cell phone. Well, I do not have a cell phone and after several attempts using my wife 's and again contacting the bank for their help, it did not work. We have been waiting for the bank to come up with a solution but we have not heard from them since. In the meantime, the account has been put on hold so it can not be used and we have paid any open balances. The card currently has a zero balance. 
In XXXX, I received a letter from the bank stating the account will be closed due to two reasons : 1. A restriction placed on the account for suspected unauthorized use. 
Note : There has never been any unauthorized use of the card, the bank has never provided details of what they feel the unauthorized use was, nor has there ever been any dispute of charges made on the card. We have always paid the statement in full and on time.

2. Subsequent inactivity on this account. 
Note : The bank has placed the account on hold, we couldn't use the card if we wanted to! 
They provided a phone number in the letter they sent, but due to the unprofessional way in which we have been treated on the phone previously, I decided to write a letter instead. 
No, we have heard back from 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 2022-01-06
Company: Thaxton Investment Corporation
State: SC
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:
XX/XX/2021 all 3 major credit bureaus received a dispute from me in regards to Quick Credit I requested validation not verification. I requested : 1. Documents from Quick Credit/XXXX  bearing my signature. Signed wet ink ; 2. Prove I have ever received any benefits from Quick Credit/XXXX  . 
3. Provide the amount of claimed debt, a true bill ; 4. Explain and show me how Quick Credit/XXXX  calculated what you claim I owe ; 5. Provide me with the originals of any documents that show I agreed to pay Quick Credit/XXXX  what is claimed that I owe ; 6. Provide a verification of any judgement if applicable ; 7. Prove Quick Credit/XXXX  are HOLDERS IN DUE COURSE ; 8. Prove the Statute of Limitations has NOT expired on this account ; 9. Prove Quick Credit/XXXX  is licensed to collect in South Carolina ; 10. If the claimed debt was sold ; provide the accounting in accordance with G.A.A.P. 
furnish a copy of the formal purchase agreement, and state the purchase amount for the alleged debt. Furnish the name, address, and telephone number of the authorized representative who was authorized to sell this alleged debt. SHOW PROOF! 
11. Provide the tax exemption for Account Number ( s ) XXXX ; the accounting and copies of ALL I.R.S. 1099 tax forms.

Quick Credit failed to respond to my Validation Notice. 2 ( two ) Validation Notices are attached along with current account information. Quick credit ignored my Validation Notice and my disputes via the credit bureaus and are currently updating my credit profile with unverified account information. Quick Credit are not Holders In Due Course.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: MO
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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 checked my credit report and found that some of the data werestill incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My card was cancelled out of the blue and I had over {$800.00} of travel rewards which I was counting on for our family vacation this year. I have been a card member in good standing since XXXX. We were not delinquent but I did maintain a zero balance for a few months. 

COPY OF EMAIL CONTENTS : ACCOUNT CLOSURE Account number ending in XXXX Bank of America Unfortunately, we've made the decision to close your credit card account ending in XXXX on XXXX. 
We wanted to let you know about this change in your credit card account status as soon as possible. We want to make sure you understand how this change could affect you and what you can expect. 

We'll be sending you a separate letter by mail to explain why we made this change. Please read it carefully. It provides you with more detailed information. 

If you have any recurring payments linked to this account, please be sure to make other payment arrangements. 

We apologize for any inconvenience closing the account causes you. 


Learn more about understanding and improving credit by visiting XXXX XXXX XXXX, which provides tools and information to help you manage your money. 

Legal disclosures and information Contact Us | Privacy & Security You're receiving this servicing email as part of your existing relationship with us. 

Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX. 

Bank of America, N.A. Member FDIC. XXXX XXXX XXXX XXXX Bank of America Corporation. All rights reserved. 

This email was sent to : XXXX EMAIL-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 2021-12-14
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2018, my pension was reduced by {$400.00} per month which was a significant portion of my income, and thus I fell behind on my mortgage loan. In addition to defaulting, the home needed major structural repairs that I could not afford to fix. In the past 3 years, I have attempted to apply for a loan modification but I do not qualify based on my current income not would I have the funds needed to make repairs if I was qualified. I've made several attempts to sell the home but any potential buyers that have shown interest wanted repairs to be made first. I am now in the process of applying for a short sale and I have submitted a completed application to my mortgage lender, I just need an additional 60 days for them to review so that I can close on the short sale. I am in my retirement years and I can not afford to deal with a foreclosure on my credit right now, I just want to get this home off my back and sell it. I need help from someone to reach out to PNC bank and have them give me more time to do the short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: GreenSky, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 a fraudulent plumbing contractor in XXXX, Texas, obtained over {$8000.00} from GreenSky by setting up an account in my name. When I discovered that I had been defrauded, I informed GreenSky in writing, on XX/XX/2022 not to release any money to the fraudulent plumber. However, in XX/XX/2022, GreenSky paid the fraudulent plumber and began trying to collect the money from me. Although I attempted to communicate with them, they have refused to cooperate despite their so-called client 's bill of rights. They are now demanding that I make monthly payments on the debt they created against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank they close my account in our keeping my money they said it would take 2 to 3 months for me to get my refund

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 2023-06-05
Company: Affirm 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 status incorrect

Complaint:
Affirm account last payment of {$280.00} balance payed XX/XX/23 continues to show delinquent on credit reports after notifying Affirm of issue in previous attempts to clear credit reporting. As a result I have been rejected for home purchase and financing as a result of false report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Benworth Capital Partners LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted them via their website. Someone emailed me back and said they would get back to me, but no one never did. I then sent a fraud report letter to the company 65 days ago, and still no one has contacted me. I did not take out this PPP loan. It's fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, my loan, like many others was placed into forbearance because of the pandemic. Our business struggled mightily and barely survived, but we did manage. In XXXX or XXXX of XXXX, I was fine and tried multiple times to no avail to get LoanCare to reactivate my account so I could resume payments. They deactivated my online account making this impossible. They asked for paperwork to begin the process of a loan modification. I provided everything they asked for over and over again, but due to delays at LoanCare, they would come back to me every month asking for more paystubs, etc. Late XXXX, I received an offer for a XXXX  month repayment plan requiring me to pay over $ XXXX per month for XXXX  months. I explained this was not possible and was told I should do a loan modification. I told the person this was my intention all along, but there was no continuity between calls. I made dozens of calls and sent at least 40 emails to no avail. I finally reached someone ( I recorded the calls and told them I was doing so ) back in XXXX who said they understood and would get things situated. I had to start over at that time with paperwork sending them absolutely every document again. In early XXXX, I received a letter that LoanCare had everything they needed to process my application. Today, I received a letter ( just got it today though it was dated XX/XX/XXXX ) that I was being placed in a six month repayment plan and would need to pay {$10000.00} per month for six months. I don't even begin to make that much money per month. I am at a loss at this juncture. I am a XXXX  XXXX  Veteran, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've dedicated my life to serving others and I worked very hard to get to the place I am now. I've done everything they have asked for, but it seems this is not enough. I don't know who to turn to and hope that someone can help me get to the bottom of this situation. Please feel free to reach out for additional information. I understand there is at least one class action law suit against LoanCare and their online reviews are terrible. I have to believe I am not the only one going through 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 explanation