BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
I received a Bill From Barclay for My XXXX XXXX XXXX ( ending in XXXX ) for an annual fee. I never use the card so I called to close it on XX/XX/XXXX. I told them that I wanted to close the card and asked to have the annual fee and any late fees removed and my account closed. They indicated that would happen. 

It apparently did not, because I continue to get emails of past due and now my credit has been ruined from NEAR perfect score!!!!!! I am now getting called by companies to help with my debt issues. BUT I HAVE NO ISSUES WITH DEBT. I HAVE AN ISSUE WITH A CREDIT CARD THAT IS HOLDING ME HOSTAGE AND RUINING MY CREDIT RATING. 

I have called them no less than 4 times including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have called all these numbers : XXXX, XXXX, XXXX, and contine to have them say they will deal with it but they don't. When I called on XX/XX/XXXX, I held for a Supervisor for 10 min. They came on the line after 10 or more minutes and said there was not a Supervisor available, but they would call me back that day. They did not. 

I called today and they act like they are just now looking into this ( bcz I am calling ) and my call on XX/XX/XXXX asking for the card to be cancelled. " It will be reviewed '' I said " why does it take almost 2 months to cancel my card and in the mean time ruin my Perfect Credt Score?? '' " What do I have to pay you to make this nonsense stop??? '' I told them I was contacting you to report them! 

Again they say a Supervisor will reach out to me. I asked her today what is the RANSOM I need to pay to be let out of this Credit Card????? I WANT THEM OUT OF MY LIFE AND I WANT THEM TO RESTORE MY EXCELLENT CREDIT!!!!!! NOW!!!!!!! 

I have another Barclay XXXX I constantly use AND PAY OFF EVERY MONTH TO THE TUNE OF SEVERAL THOUSAND DOLLARS! You can tell Barclay that I will be cancelling that one as well because of the way I am being treated after being a customer with them FOR DECADES!!!!!

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 2023-02-13
Company: EQUIFAX, INC.
State: GA
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 Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 
Accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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 identified information on my credit report are a result of identity theft. these items are nonrelated to any transactions completed by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

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 2023-02-08
Company: Carvana Group, LLC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Carvana presented me with a bill of exchange that I accepted for value and returned for value as a Private bankers acceptance. Carvana used my Social Security Number whitch is a violation of 12 USC 408. 
The promissory note is a National Bank Note according to 31 USC 5118 ( d ) ( 2 ), 31 USCA 463 and public Law 97-258 and this note is equivlant of cash for face value.

I am the holder in due coarse I have made tender of payment in g
ood faith the Carvana would follow good business protocol and comply with TILA.

After a few hours I was informed my transaction was canceled but Carvana kept the automobile and kept the tender of payment.

15 USC 1602 ( g ) I am the Creditor.

12 USC 1431 Banks can not lend money they are the borrowers.

12 USC 1986 Action for neglect 15 USC 1684 Neglect non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got a collections notice to my XXXX XXXX  and XXXX apps today from XXXX XXXX. I have never heard of the card or account that I am disputing. I never applied for this card. It never even showed up on any of my credit reports until today when it showed up as a collections account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: FL
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:
My FCRA rights have continually been violated. I have submitted multiple disputes and a most recently a complaint on approximately XX/XX/2023 ( XXXX ) to the companies involved and they have continuously reported INACCURATE information on my credit report and In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights under 15 USC 1681s-2 ( A ) ( 1 ) specifically 1. XXXX XXXX Account # XXXX 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: OH
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:
This is the second dispute pertaining to XXXX they have fraudulently verified late payments, XX/XX/2022 letter sent from XXXX states no delinquent payments but you still report to credit bureau as 30 days late and now 60 days late in one month XXXX has been verifying fraudulent payments, I never made, if such payments were made why has the balance never decreased according to their records on a closed account and fraudulently re-aged a closed account. 
Under 15 U.S. Code 1681n as a result of the failure XXXX  owes damages of XXXX dollars per violation. 
These violation were confirmed by XXXX to the credit bureaus, myself and to the CFPB. YOUR verified company response dates are the following dates XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Remove fraudulent inquiry 's from my credit report, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX,  XXXX,  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: HYUNDAI CAPITAL AMERICA
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This is not a car dealership complaint. This is a Hyundai Corporate complaint. 

My wife and I decided to buy our leased XXXX XXXX XXXX in XX/XX/XXXX, and we were approved for a car loan for the buyout amount of XXXX. Our Credit Union mailed the check and odometer/mileage disclosure statement to Corporate Hyundai Finance and waited for the title and bill of sale to be sent to them, so I could register the car and pay the sales tax at the Rhode Island DMV . When nothing ever came after a month, I called Hyundai and explained the situation, and they told me it was sent, but the credit union said nothing ever arrived. I called numerous times about the status of the title and bill of sale and was transferred to different people, even being hung up on by customer service when I pressed for more information. The credit union then got involved by calling Hyundai and received the run-around about how the title was sent, which it was not, and even they were hung up on by customer service. After another month and numerous calls, Hyundai sent a " letter of no interest '' to the credit union, and we thought the DMV would accept it. When I went to the DMV to register my car, that letter was rejected, and they told me that according to the law Hyundai has to send the title to the bank along with an updated bill of sale. If they can't find the title, they would have to request a new copy from the DMV and then send that with the bill of sale to the credit union. As of today, XX/XX/XXXX, 8 months later, the bank still hasn't received anything and my options are few, and I need some major help. I sent a letter with accompanying documents on XX/XX/XXXX, explaining the entire situation to Hyundai Finance, and wouldn't you guess, the letter seems to have never been delivered to them. I am going to send out more copies of that material to every department I can find to see if anyone can help. After doing my research, it seems this is a tactic Hyundai has used on hundreds and hundreds of people. My registration expires in XXXX, and I find it incomprehensible that Hyundai would partake in this kind of business practice.

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 2023-02-13
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Lendmark Financial Services
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX entered into a consumer credit transaction with Lendmark Financial Services on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Lendmark Financial Services made me purchase insurance separately. Lendmark Financial Services also did not disclose/provide information concerning my right to rescission as defined in 15 usc 1635.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: NY
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:
Contacted Creditor/Agency and asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Under the Fair Credit Reporting Act, the disputed items may not appear on my credit report if it can not be supported by any evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
On XXXX XXXX, 2022 I applied for a credit card offer promising a {$200.00} bonus after spending at least {$500.00} dollars within 90 days of approval. After I spent the necessary {$500.00} dollars I noticed I still hadnt received my bonus so I contacted the company on XX/XX/ 2022. I was then told that I had applied for the card offer which didnt include the bonus which isnt I sent the proof then I was told that I was declined for that offer but they didnt acknowledge the fact that they still sent me a card even though I was declined for that offer without letting me know that I was declined for the offer which I had applied for. If they had just declined sending me the card true. When I told them I had applied for an online email offer. I was told to send the proof which I did. After because they felt I didnt qualify for offer that would have been fine with me but they pulled a bait and switch on me by sending me a card with the promise that I would receive the {$200.00} bonus that was promised me in the beginning. Ive recently looked at the XXXX site and have noticed that Im not the only on whos been tricked by Capital One with this bait and switch offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was stolen and used for purchases totaling {$18000.00}. I submitted 2 disputes to Chase and they were both instantly denied without further verification, and now I can not submit another dispute because their policy states that once a dispute gets denied it can not be resubmitted. My life savings were stolen and Chase won't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Global Lending Services LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX XXXX XXXX XXXX XXXX and XXXX call them to confirm that i didn't owe anything to them the insurance company paid them off. The amount is XXXX 2nd Global Lending XXXX and XXXX made a call to them as well. Insurance company paid my car off because i had Full coverage through XXXX  the amount for this loan is XXXXThis was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX, XX/XX/XXXX, I XXXX XXXX XXXX, placed in the mail a dispute letter addressed to Equifax Information Services XXXX LLC. According to the XXXX XXXX XXXX XXXX because of the proximity of where the my address is and the addressee, the average delivery times was 5-7 business days, meaning the letter should've arrived between XXXX XXXX XXXX. Today is XX/XX/XXXX and I haven't received a status on this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE 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:
There is a current late pay reporting on my credit report that is not correct. The bank that reported the late pay has acknowledge through several correspondence that this was indeed an error. I called the XXXX major credit bureaus reporting this error and have provided them proof that this is an error, but they are still choosing to allow this misrepresentation to appear on my credit report. I also sent the XXXX major credit bureaus the letters that I received stating the same. Furthermore, the bank also claimed to have sent the same letters that they shared with me to the credit bureaus, yet these errors still remain. This is causing me great harm. I a hoping The Consumer Financial Protection Bureaus can assist me in making this wrong right.

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 2023-02-13
Company: CITIBANK, N.A.
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:
In Accordance with the fair credit reporting act Macy 's XXXX Citi Bank Account ending in # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-02-26
Company: Financial Recoveries, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a validation letter to the debt collector regarding this alleged debt via certified mail return receipt and received a letter back saying that I didnt provide any information for validation of the debt. They sent this letter the same day after the validation letter was sent to them. Therefore they have refused to validate the debt. They have not even so much as investigated as provided by the almost immediate returned letter. I have provided my name, address and other verifying information which they do have because they are marking it on credit report. I will provide copies of everything I have sent and received

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