BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, There is a return fee charge of {$29.00} on my Barclay Credit Card account that I requested a refund for. This fee was assessed due to an erroneous return payment of {$210.00} issued by Barclay Credit Card. I've reached out to Barclay via phone on XX/XX/2020 at XXXX XXXX  and spoke with XXXX ID # XXXX, reference # XXXX. I spent one hour and 20 minutes explaining to XXXX the problem. We even had a conference call with the bank from which the payment was drafted and credited from. The bank confirmed that there were enough funds in the account to cover the payment and there were no stop payments or holds on the account. There was no reason that this payment should have been returned and no reason for a {$29.00} return fee charge to be assessed on my account. I am entitled to a credit however, XXXX refused to accept these facts and would not issue my credit. 

I then emailed the company to request that this matter be resolved and that this issue with their employee XXXX be reported to his supervisor XXXX ID # 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 2021-07-27
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
have send a dispute letter to XXXX and XXXX stating the information being reported is inaccurate. A collection account reported by XXXX XXXX, XXXX XXXX and LVNV Funding is reporting a past due on my credit report. I sent 3 letters, On on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to both bureaus stating that a the date of last active on all three account were different, my collection account was reporting a past due balance, and XXXX XXXX is reporting twice on my credit file for the account. And my credit report still says the same thing.The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. They never update the report stating that there was a dispute. Please look into this for me. thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Since XX/XX/2021 Wells Fargo Bank has held all the funds in my XXXX  bank account citing a fraud investigation. I have been spoken with numerous individuals in the fraud department, as well as the branch manager and other branch staff. Additionally, I have emailed as well. There have been multiple statements from Wells Fargo saying that the account will be closed and that my funds will be sent to me by cashiers check, with the last date given as XX/XX/2021. However, they never sent me a cashiers check and when I went into the branch I was told that my account is frozen and I can not access my funds. The bank representatives continue to say that I had a wire recalled and that is why they are not releasing funds, and when I ask for proof of that, they deny me access to my business account records. I believe this is because there has never been a wire recalled, and the fact that my account balance does NOT have a negative balance proves that! They also allege fraud, and I have asked them to please prove that or release my funds as they stated within the Wells Fargo Bank statement they sent me with the deadline date of XX/XX/2021. The last conversation I had was with the Wells Fargo Bank branch manager and she said that the branch will no longer be able to help me. I have left numerous messages with the fraud department, filed multiple complaints to the branch, and still have not heard anything. Meanwhile my funds are still locked in my business account. Please help me. I am suffering a tremendous financial hardship from this, and had all of my retirement funds sent to my Wells Fargo Bank account ( {$73000.00} ) but can not access them. I need to expedite this complaint as I am unable to pay my rent because I am currently experiencing COVID related unemployment. Thank you so much for your assistance in this matter.

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 2017-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 've provided police reports, notarized letters of dispute, and followed all the rules of identity theft.  XXXX , Transunion, and   XXXX   refuse to remove fraudulent inquiries from my credit report and I am atta ching two copies of their responses to this complaint along with yet ANOTHER police report and notarized letter disputing the inquiries.    They simply refuse to remove the inquiries saying they are a matter of record for 2 years. That 's not true if I did n't authorize the inquiries and they do n't fall under fair use ( which they do n't ).   Furthermore, they told me they 're forwarding all of my documents on to these companies which I never authorized. I do n't want these companies who are already misusing my personal information to have MORE of my personal information. It 's illegal for these credit bureaus to be forwarding private documents to other companies, yet they say in writing they are doing so.

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 2023-01-30
Company: EQUIFAX, 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 challenging Equifax 's results regarding the dispute for account XXXXXXXX XXXX XXXX. Equifax notified me that the account was verified but they failed to explain their method of validation. I am having a hard time believing that Equifax did an investigation at all. I am now filing a complaint with the XXXX because this is false reporting and I have notified Equifax of the inaccurate reporting. I also provided proof that I indeed made the payment on time. I will attach the billing error letter along with the proof that a payment was made. Equifax did not provide the name of whom verified the account or any documentation that would allude that this account is reporting correctly. I am demanding that Equifax delete the late payment and update the account to paid as agreed, never late. I do know that Equifax is violating many FCRA regulations and if this is not handled in a timely manner, I will be seeking legal action and compensation of {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: HYUNDAI CAPITAL AMERICA
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Hello, I have been having a nightmare of an experience with my auto lender, Hyundai Motor Finance. On XX/XX/XXXX, my vehicle was totaled by a negligent driver who wasnt paying attention. I had a fairly new car that I had bought in XXXX of XXXX. I was underwater on the loan but thankful That I opted for the GAP coverage the XXXX dealer promoted when purchasing the vehicle. I thought that out of everything, the GAP insurance company would be the most difficult to work with. I was wrong. The gap administrator ( XXXX ) has actually went above and beyond in also reaching out to XXXX XXXX, going so far as to email them 3 times a day asking for assistance, but to no avail. I have contacted XXXX by phone 18 times since XX/XX/XXXX, trying to get 2 payment documents the GAP administrator needs : a full payment history with a running balance and a payoff statement. They straight up refuse to send me these documents and evidently never plan to send them to my GAP administrator either. I have been hung up on. I have been told my account was inaccessible. Its been almost 3 months since the accident and I have gotten absolutely nowhere. In the meantime, I am forced to continue making 2 car payments each month, which I dont have the money for. Not only that but I spend a good amount of time on hold with their customer service every other day trying to get this resolved. Unfortunately I continue to get the runaround with the same canned response & inaction. I have a good credit score and dont want to stop paying where my XXXX goes down but it also makes me sick paying a company that provides such terrible, predatory customer service. Please help. I dont know what else to do and fear I am going to get into financial trouble as a result. I dont want anyone else to go through this horrendous experience. 

Lender : Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXX, CA XXXX Please 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 explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, my name is XXXX XXXX and I have been trying since XX/XX/22 to get in contact with the three credit bureaus transunion, XXXX and XXXX in which they have never gotten back. I have several delinquencies on my credit in which the bureaus don't respond and get back to within 30 days, I have not received results of my investigation and they are saying as an excuse that it is not me trying to contact the bureaus on my credit. I have been dealing with these issues for some months now across all three credit bureaus and I need this fixed as I am trying to get a home. None of the information is verifiable as they either ignore me or throw it back on which XXXX has done on numerous occasions but shows me no proof of the information I am disputing as to how it is my debt and validated. I am reaching out to the CFPB as after dealing with this for 6 months I am done with my rights being violated, ignored and taken advantage of.

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 2016-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Went to buy car. Learned I had bad credit. Bankruptcy on my report. BK of same name, different social security number. Only Experian contains error, other XXXX bureaus clean. Provided my IDs to bank. Bank wrote letter I sent to Experian. went to BK court. Pulled BK in question, not my SSN, judge signed and court sealed documents sent to Experian. Experian sent a letter back to me they will remove BK at end of 10 years. Bank gave me car loan at terribly inflated rate. Credit report still wrong. No recourse. All online info does n't answer 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
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I applied for a loan from XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XX/XX/2020 and a credit report was sent to the bank. XXXX sent me a letter, notifying me that my report had some derogatory information on it. They provided instructions to contact the consumer-reporting agency to address any mistakes that I found on my report. I contacted Equifax because Equifax Mortgage Solutions was the agency who reported the information to my bank. I followed their instructions for submitting a dispute on XXXX XX/XX/2020. On XXXX XX/XX/2020, they sent me a response to my dispute stating they had updated my credit file. On page 3 of the letter sent to me, they state If there has been a change to your credit report based on your dispute, or if you add a consumer statement, you may request that Equifax send an updated report to companies who received your credit report within the last two years for employment purposes, or within the last six months for any other purpose '' ... 

XXXX XX/XX/2020, I contacted Equifax to have them send an updated report to XXXX so they would have the correct information with the derogatory information removed. I provided the representative from Equifax the confirmation # of my disputed file so she could reference the same information I was referring. She refused to assist me with how to get an updated report sent to XXXX. I requested to speak with a supervisor, for which I waited on hold for XXXX minutes before XXXX took my call. This was between XXXX. She was not helpful at all, she was more annoyed that I was insisting that they honor the information they sent me by providing an updated report or helping me get to a section within their company that can assist me further based on the correspondence I received. She stated that it was not their policy to provide reports to businesses ; they only provided them to consumers, thats their policy. She said she could not help me any further. I explained that I understood her policy but what I was asking for was also a part of Equifax policy, because they sent it to me in writing as to what I should know. She said very rudely that her policy wasnt going to change, she wasnt going to continue to talk to me about it, and then she hung up the phone. I contacted the Equifax Mortgage Solutions section, which is the section that sent the actual report to XXXX. They also stated their policy doesnt allow them to send updated reports. She told me I needed to contact the regular Equifax, which is the section that hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX refused to refund a refundable reservation for a flight in XXXX. I submitted a Visa billing dispute requesting Chase to investigate. On XX/XX/XXXX I received a response from Chase saying that the transaction was valid. 

In their response to Visa XXXX stated that while the tickets were refundable, request for refund must be submitted through XXXX, the agency I used for the reservation. They claimed the reason they didn't refund was because I didn't submit the request through XXXX. 

On XX/XX/XXXX I provided documentation from XXXX confirming that they received my request to cancel in XXXX and had being trying to contact XXXX on my behalf since XXXX, yet XXXX didn't respond to their emails. 

Despite proving to the bank that merchant 's response was invalid, Chase didn't reopen the dispute claiming they had until XX/XX/XXXX to do so. Apparently my fax from XX/XX/XXXX was processed in XXXX. I've also provided a confirmation from XXXX dated that the XXXX cancelled my flight, and offered to rebook me on a different connected flight number with overnight stay in XXXX, which I declined. Still Chase wouldn't reopen the dispute. 

I'd like to stress that Chase never provided a deadline to respond with rebuttal of merchant 's claims. Also contradicting themselves, Chase 's representative told me to wait until XXXX and resubmit the dispute they just closed if the flight is cancelled, seemingly unaware of XX/XX/XXXX deadline. 

Since I can only respond to merchant 's second presentment after receiving it, Chase effectively made the whole dispute process meaningless as they don't allow me to refute merchant 's response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, my name is XXXX XXXX and I have been trying since XX/XX/22 to get in contact with the three credit bureaus transunion, Equifax and XXXX in which they have never gotten back. I have several delinquencies on my credit in which the bureaus don't respond and get back to within 30 days, I have not received results of my investigation and they are saying as an excuse that it is not me trying to contact the bureaus on my credit. I have been dealing with these issues for some months now across all three credit bureaus and I need this fixed as I am trying to get a home. None of the information is verifiable as they either ignore me or throw it back on which Equifax has done on numerous occasions but shows me no proof of the information I am disputing as to how it is my debt and validated. I am reaching out to the CFPB as after dealing with this for 6 months I am done with my rights being violated, ignored and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: BBVA FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied for a BBVA Compass XXXX XXXX XXXX credit card in late XXXX, but my account was placed a hold for unreasonable excuse ( due to bank incapability ) on XXXX XXXX, and I was just told it has been closed. During this time, it severely affected my normal life purchases and ruined my legal right to get cash back from sign-up bonus and bank promotion. Also, it will bring potential notes on my credit report, which would be intolerable. 
I hereby request compensation and a guarantee that nothing negative would appear on my credit report, thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My complaint # XXXX against Rushmore Loan Management LLP CLOSED/ RESPONSE FROM COMPANY The company deflected my direct and specified complaint that their affiliate XXXX XXXX XXXXXXXX XXXX XXXXXXXX have engaged in threats, intimidation and have abused their power with retaliations, suppression of my targeted identity theft, attempts to " sanction '' me, victim for showing cause of contempt of CFPB, the verification of countywide loan fraud schemes of over {$300000.00} USD from my lawful property, without any permission of authority to do such. 

Defamations, intimidations and attempts to sanction a victim of financial crimes organized and facilitated by any licensed company is violations of FTC and shows systematic retaliation of " witness/victim '' who is protected by the CFPB efforts under financial crime laws, not to be downplayed by actors of fraudulent malpractices. 

Rushmore Loan Management LLP committed financial crimes and do not have any lawful authority to have dispersed any loans out of my property as sole owner, per orders and reports directly to their company that I have been verified to have been repeatedly victimized under identity theft, wire fraud crimes, that have been suppressed to protect perpetrator that has been unlawfully and fraudulently filed for " loans '' against property without any reasonable authority to do such. 

Rushmore Loan Management LLP has refused to follow protocols filed and refused to fund restitution as prescribed by orders filed by CFPB, XX/XX/22. 

In lieu of relief, Rushmore Loan Management has aided law firm with the suppression of loan documents, have engaged in threats, intimidation and have abused their power with retaliations, suppression of my targeted identity theft, attempts to " sanction '' me, victim for showing cause of contempt of CFPB, the verification of countywide loan fraud schemes of over {$300000.00} USD from my lawful property, without any permission of authority to do such. 

I have supplied CFPB with threats directly from the parties involved and any threats, intimidation and retaliation to victim of loan fraud identity fraud scheme is directly contempt of CFPB orders, as consent and injunctive relief, plus stalling my restitution is obstructive of CFPB orders filed XX/XX/22. 

I have sought relief that CFPB and XXXX XXXX/RUSHMORE LOAN MANAGEMENT have denied with enthusiasm to harm victim after the fact and accessory after the fact. 

All motives to fraud must cease to direct violations of CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX Dob XXXX SS # XXXX Read the LETTER I SENT 10 TIMES I understand that some people can not read so I wrote it so very simple people could read remove ALL ALERTS FROM M CREDIT PROFILE!!!!!!! 

YOU Have MY ID Attached so do n't play that game of we do n't have your id on file you also have my utility bill you have my drivers license attached Yes - YOUR STATEMENT - XXXX-EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. 
VERIFY ALL IDENTIFYING IN FORMATION

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 2016-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a tax lien that came off my report and reappeared back unto my credit report but it should be deleted.

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