BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-13
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I started repairing my credit, and had 2 negative items removed from my XXXX report and 2 days later my credit limit was reduced. And they raised the late fee, although my account has never been late. I have been asking for an increase for over a year. I have excellent payment history and held the Pink Gold status with my card. They have caused damage to my credit report for absolutely no reason. I wasnt late I pay before the due date in most cases. And for this company to cause malicious damage to my credit report is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: National Principal Group, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This company is harassing me and my family. They are continually robo calling my mobile phone, parents, siblings, and employer. I am losing work because of their tactics. They claim to represent the IRS, Banks, and will arrest me. These people need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: WELLS FARGO & COMPANY
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:
I cashed in my check through a bank teller. I then left the building to use the atm outside to deposit my cash. I then received my receipt saying I deposited my money forgot my debit card left to my car remembered i forgot my debit card went to get it back but a man around XXXX realized that was my card and just gave it back and I left. I then checked my bank account and realized I was missing XXXX dollars. Im pretty sure he pressed the most used XXXX dollars withdrawal button before he backed out and gave me my debit card back. I talked to my bank about this right away filled the claim maybe an hour after on XX/XX/2020 waited 10 days for a response for them to tell me I authorized the transaction and I wont be receiving my money back. The ATMs should have cameras to realize that wasnt me and after I got the letter I called them to resolve this and for hours I was disputing this to finally reach someone for him to hang up on me. During this time of Covid-19 I am desperate for those XXXX dollars that Wells Fargo took away from me. They should be responsible for the safety of my money and should have better security measure to protect their customers from fraud events like these.

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 2017-01-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Using CREDIT KARMA at XXXX, and viewing my credit report, I disputed a report ( on EQUIFAX the reporting agency ) by XXXX XXXX XXXX who billed me on a balance when they were supposed to refund me a balance. Equifax Credit XXXX agency resolved the issue by taking that report off my credit report. In doing so, Equifax punished and/or penalized me by reducing my Credit Score by forty ( XXXX XXXX points : from XXXX to XXXX, and then added a remark that says, XXXX XXXX '. I had been deathly seek for years and my illness caused me to be financially handicapped. I worked hard to build it back up paying off thousands of dollars in bills that this same agency is slow to give me credit for. I am currently permanently XXXX and a veteran of the United States XXXX. Equifax needs to review their XXXX reporting system. It is not fair. I am now inclined to give up on building my credit if I am going to surfer set backs like this just because I filed a complaint against a business that is clearly at fault. Equifax can not be reached at XXXX or XXXX, or at their convoluted and cumbersome website to resolve this issue. Hence, my resorting to contacting C.F.P.B. Businesses, are always right is the message I am getting here. If I had known that filing a dispute or complaint will bring this much penalty or repercussion I would not have filed XXXX. Please help in resolving this issue. MY INFORMATION IS GATHERED FROM 'CREDIT KARMA.COM ' a website designed to give parallel/combined Credit Reports from Credit Reporting Agencies like Equifax and TransUnion XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Someone used my information to get a loan at XXXX XXXX and it now shows as a charge off on my credit report.

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 2020-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am trying to get my credit report fixed and I was told that the bureaus have 30 days to respond, I mailed XXXX a letter on XX/XX/XXXX and have yet to hear from them. I am not going to continue to waste my time on this so please help me. My main concerns are in the letter that I have attached to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: MD
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:
Someone used my information to get a loan at XXXX XXXX and it now shows as a charge off on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: EQUIFAX, INC.
State: GA
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Disputed an acct and TransUnion removed it XXXX XXXX then reported back on the report XXXX XXXX. I have pics to submit. The account was not opened by me is was a fraudulent acct and has been moved from all the agencies before now its back on all 3 reports. 
XXXX XXXX XXXX was removed by TransUnion just to put back on in another day. Please investigate as to why this has occurred.

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 2016-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To All party involve Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD XXXX { XXXX } XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I call then send back requested information but they still refuse to correct and/or remove incorrect info therefore when I apply for credit, I 'm denied because the fraud alert placed due to identity thief requires that they call me before issuing any type of credit in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I have been getting notifications through text messaging on my personal cell phone about purchases that are trying to be made and how I'm missing $ XXXX..i talk to the card company and they said it was going to be investigated and they told me that since they can't provide me legal documents concerning my account with them through the us mail, that they would email me my documents and i have received nothing not even an update on possible fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I went to my bank and the lady there talked me into applying for a loan to get a new car. I thought maybe this is a sign that I need to just go ahead and get a new car especially after having car trouble. They called me back and told me I was not approved. I went a pulled my credit and there are some items that are not mine. I filed a report with the FTC and the police. Im doing this on my own behalf. 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 2019-06-01
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX REVOLVING ACCOUNT OPEN DATE XX/XX/XXXX AND XXXX XXXX   XXXX XXXX ACCOUNT # XXXX OPEN DATE XX/XX/XXXX. THESE ACCOUNTS ARE BOTH FRAUDULENT ACCOUNTS. I HAVE BEEN DISPUTING BOTH ACCOUNTS AS FRAUDULENT AND I NEED THEM TO BE REMOVED FROM MY CREDIT REPORT, I HAVE SUBMITTED MY IDENTITY THEFT REPORT TO BOTH BANKS. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Capitalone credit card # XXXX access denied via internet. Required a new password and verification ask for the phone in US that I do not have. Presently due to the corona virus I am in XXXX and the country That does not allow any travel. Anyway my presence in US would not Make not a difference since I am using phone of my daughter when in US.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Someone has used my identity to open multiple credit accounts and order goods. I have received XXXX new credit cards in the mail in 2 days time. I filed a fraud alert with Equifax before I knew how many accounts had been opened. I attempted to obtain my free online reports from the XXXX agencies and my request was denied by all. I have no idea how many other accounts may have been fraudulently opened in my name or how many purchases have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A few months ago I finally took a look at my credit report noticed that I had some negative accounts on there that were not mine. So I immediaitely begin to contact the debt collectors get them to verify this debt they say I owed them and could n't get any real answers. So I then begin to dispute the negative account with the credit bureaus and it was like talking to a brick wall. They would not respond and when they did, they would keep giving me the same answers that they " updated and verified that it belonged to me. This is outrageous and downright criminal in my book how someone can just list things on your credit and ruin your life. I 've tried hard to keep my credit in good standing. Now I have lost job and housing opportunities because of this. I have sent XXXX separate dispute letters to them and its like i 'm just wasting time and money with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am a Costco member and have the Citicard XXXX XXXX Card. It is very strange, I applied twice for credit limit increase and got denied, the reasons were that my phone number associated with my fraud alert did not match and Citicard did not get my permission to get a credit report which were lies. I did have a fraud alert last XXXX, called XXXX and reported it and stuff. Then earlier this month when I applied for credit limit increase, I remived the lock, called the bank and credit bereau before hand and informed them of my plan. Then after I applied, I got a denial. I called Citibank and the credit bereau and apparently according to XXXX, the phone number on my file was not listed as my mobile phone, it was listed as a landline so they fixed it. 2 days later I called Citicards again and re applied and got denied again. I have an excellent credit, I dont have a mortgage or car payment and I pay the balance on my credit card every month. I am not sure why I keep getting denied, very strange. Also, last spring, sometime in XX/XX/2021 or XX/XX/2021, I also applied for the XXXX XXXX Checking account and got denied as well. I am not borrowing money from the bank, I was going to deposit {$150000.00} of my money and got denied? Why? Apparently bec they can not verify my credit report which was strange. I honestly believe that Citicard has some sort of prejudice on me. The people there dont know what they are doing. They think I am a risk so they deny me. I honestly have plenty of cash to pay for things. Unbelievable, whatever parameters they use to screen and whoever is working there do not know what they are doing. 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 2020-09-11
Company: BARCLAYS BANK DELAWARE
State: FL
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:
I was traveling on a transatlantic cruise from XXXX to XXXX, XXXX that was to arrive in XXXX on XX/XX/XXXX. My XXXX year old husband, my XXXX XXXX XXXX  brother, and my sister in law were with me. All of us are seniors. On XX/XX/XXXX, we received notice from family members telling us of the travel ban instituted by our President. Originally XXXX was not one of the airport approved for returning citizens however, we did not know that. We quickly started searching for flights to get us safely home and purchased 4 tickets on XXXX which I paid for with my Barclay XXXX XXXX credit card. At the time of the purchase I agreed to include the offered insurance, but XXXX accepted the ticket purchase and then notified me that the insurance had ( conveniently ) been denied. Within minutes I was on ship to shore radio, provided at the kindness of the cruiseline, asking XXXX to cancel the charge. In the chaos of the travel ban, the customer service agents at XXXX were overwhelmed and frankly very uncaring. All I got was we cant help you. I also reached out to them through their message method and got the same thing. I called Barclay and XXXX and got no help from Barclay and no answer of the phone or messages from XXXX. I have worked very hard now for 6 months to get some assistance from my credit card company that claimed when they signed me up to be my advocate. Can you please help me?

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 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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, I disputed that Transunion, XXXX and XXXX are reporting a inaccurate account. They are reporting a XXXX / XXXX charge off account with different, Date Opened, High Credit, Credit Limit, Last Reported, Date Last Active, and Date of Last Payment. The fair credit reporting act 15 U.S code 1681 state that a consumer report must be accurate. They are not reporting my credit report accurately. I have attached a copy of my most recent credit reports from all three agencies as proof.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
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:
Penfed has offered credit protection for the payment on loans in the event of being XXXX. This unfortunately has occurred and due to the false advertisement of the credit union who is subcontracting the credit debt protection is not honoring the matter. I was involved in XXXX  XXXX  which are distinct and separate. One matter I had to ask for help at the courts and now I have a second claim for the XXXX due to a XXXX  accident. The Credit Union has not fulfilled their promise and is advertising a program to their own self interest. I feel that as a credit union and being a member and not a customer their is a inherent responsibility for the organization to help me. Penfed has allowed a subcontracted insurance company to deny, delay and defend against payment on claim. They have not been presenting the offering honestly on the web page and the company that they subcontracted to as a insurance company has been beyond difficult to deal with and even blames the credit union for not having the policy and have not fulfilled the promise. 
A advertised item that is provided by the credit union should be honored by the credit union. The hands off approach is not only not fair but it also has been paid for. I have no clear answer on denied claim. My accident happened in XX/XX/2020 for this complaint so it is new. The company has the documents and I submitted them with a new form they created on XXXX 2020. This form is modified from the original document for XXXX which should be the standard. The changes made were significant and more intrusive so that the insurance company can deny the claim. I am asking for help as I am suffering a hardship due to a XXXX and 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