BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-25
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
in XX/XX/2019 i received my barclays uber credit card statement there were charges of XXXX i called the customer service to report that i had no idea what these charges were.

barclays closed my account took a fraud report and issued a new card.

On XX/XX/XXXX i got a letter from barclays that the charges were mine i called barclays and they said XXXX provide info that i made these charges i explained that i didn't know what the charges were then asked barclays to provide me with lifts explanation of why these fraud charges were mine Barclays said they were finished and i could not put it back in dispute that now i had to deal with XXXX. Why should i deal with XXXX  when my barclays issued credit card was used fraudenty i am being charged for something i did not receive and for me to contact XXXX  with any info that i know nothing about is crazy and how can u get in charge with them there is no corporate phone for 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 monetary relief
Consumer complaint received 2019-06-25
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Home Dept. is still requiring a Social security # for application of their credit card even though they have a court order not to do 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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
About a month ago, I contacted the company who holds my mortgage. I bought my house 2.5 years ago and inquired about removing the PMI insurance to bring my payment down. As instructed by them, I made an official inquiry in writing as to what my house would have to appraise for in order to have the insurance removed. After a few weeks I was told it had to appraise for {$250000.00}, but that I would have to pay for the appraisal. I was also told that they normally dont remove the PMI on a loan that is less than 5 years old unless home improvements have been done. I have put around {$20000.00} into the home since I bought it and I informed them of this. That is how they came up with the {$250000.00} figure. I asked again how much did we need to remove the ins. They again said $ XXXX. I told them to have an appraiser contact me. The appraisal was going to be around {$500.00}. An appraiser contacted me in a week and we scheduled the appraisal to be done a week after that. Happily, I found out the house appraised for $ XXXX. Two weeks later, Ditech contacted me and told me the house didnt appraise out for enough for them to remove the PMI. I told them what I had been told and I also told them that is why I ordered the appraisal. My realtor had already done the comparisons and I knew approx how much the house would appraise for. They said they saw in my file where I had been mistakenly told that we needed an appraisal of $ XXXX and they apologized for the mistake, but said they could not change the federal guidelines. I asked them if they were going to take responsibility for their mistake and pay for my appraisal. They said no. I asked to speak with a supervisor. She more or less told me the same. Said they would not cover the appraisal cost. I feel duped and stupid for believing their lies. I feel cheated. And mostly I am out {$500.00} for absolutely nothing. I am beyond livid. I am a single Mom who works very hard for my money and losing {$500.00} is a very big deal to me. 
Also ... several months ago I tried to apply some extra money to my principal. They informed me that they were unable to do this and that if I paid extra that it would be held and then applied to future payments. I would never have chosen this company for my loan, however about 6 months after buying my house I was informed that they were selling my loan to Ditech. I am mad and frustrated that these big corporations can pretty much do anything they want. Lie, cheat, take your money, and then take no responsibility for any of it. I dont know what to do now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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:
I've contacted XXXX, XXXX, and Equifax in XXXX, XXXX and XXXX to dispute fraudulent items I found on my credit report by mail. I got my dispute results on XX/XX/2022, XX/XX/2022 and XX/XX/2022 stating the items were accurate and verified. I have also received an email saying the information was validated. I requested they provide me with their method of verification and if not, they need to update the information to paid on time. I have not received any documentation from either agency or the original creditor that proves I gave them written consent to anyone to furnish these items on my report and if the creditors state that I gave them written consent it was only due to an uninformed decision, and I was not given proper disclosure of my rights under the Gramm Leech Bliley Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Spring Oaks Capital, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I mailed an Opt Out Notice and validation request to SPRING OAK CAPITAL. I requested that the account be validated and asked for documentation below listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( XXXX ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; SPRIN OAK CAPITAL ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of 1974 as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand. 

The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character SPRING OAK also has no license to collect in the state of North Carolina and the lied when I called and stated they had a license to collect. See Licenses in attachment. SPRING OAK is in violation of multiple US Codes, Privacy Act of 1974, FDCPA, CFR and FCRA. SPRING OAK COLLECTION ACCOUNT are to be removed from my credit report Per 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
This was my first experience of buying a new vehicle. I was contact my the dealership XXXX XXXX XXXX XXXX online that they can make my dream come true in buying a new car that as of now it became a nightmare. On XXXX my car was hint behind & just got informed it will be a total loss. The dealership never advised me about GAP insurance & I just recently found out about that insurance last Thursday when my husband bought his truck. It was a very unfair for me not to be advised in giving me that option when I was offer with an extremely high interest of 27.80 % when purchasing this vehicle. It was very unfair for the Dealership not offering this insurance to me knowing especially how high the interest is & now I have to pay a balance out of my pocket more than {$3500.00} & if I keep the car I have to pay over {$5000.00}. Today XX/XX/13 I called the financial Santander Consumer USA to see if they can give me a deal to close/payoff the account as I already have paid them over {$14000.00} & the lady who answered me said no i still have to pay the balance that is pending per the contract signed. I honestly see this unfair & am looking for help as an American consumer i feel disappointed how the dealership ripped me off as well the financial company not working with me. Now I will be left with a broken car or no car plus no money to get a new car. If someone out there can help me I will appreciate & for the consumers do not go to XXXX XXXX XXXX XXXX i don't recommend them they don't care about the consumers ONLY their sales & when buying a vehicle ask for GAP insurance that will help. I wouldn't like no one to experienced what am going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 several accounts has violated my rights by reporting late payments. 


15USC 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

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 2023-05-12
Company: EQUIFAX, INC.
State: NJ
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 information was incorrect. XXXX credit bureaus are required to verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). You have no right to these decline this reports as unaudited information unless you provide evidence within the time allowed by law. Due to inaccuracies in my credit report file, I need to investigate and correct the following items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Barclaycard would not take a loan check from my credit union to pay off my credit card ; thus, saving me interest and letting me close the account with a {$0.00} balance. Barclaycard said my account was not open long enough to take a payment that way.

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 2019-06-25
Company: BARCLAYS BANK DELAWARE
State: SC
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 have a credit card with barclays credit card company and i was a victim of fraud and ask for the charges to be cleared and the refused to clear the charges even though i sent a police report with the appropriate documentation from the police department and they refuse to clear the charges and the interest and late fees are steadily rising .The charges accumulated on XX/XX/2019 in the amount of XXXX, XX/XX/2019 in the amount of XXXX and XXXX and XX/XX/2019 XXXX with a balance now with late fees they keep adding because i refuse to pay the charges when iam the victim is over XXXX as of XX/XX/2019 and iam sure its even more .When i discovered the fradulant activity i contacted the company and had them to close the account and the didnt want to close they only closed it because the card reached its limit.Please help me resolve this matter and in the future I will never use this company again are recommend this company EVER.

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 2019-06-03
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I need to change my address and phone number and everyone I try they give me the round around and it really makes me feel so sad that i want to sue guy for it the emotional distress Its my name my identity and I want to take care of it not have a lot of pinguess give me the round around and why not have some one who speak XXXX the ladys or man I talk to I did not understand her I dont understand s them! sincerely XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: TX
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 requested the permissible permission used to access my credit report in XX/XX/2017 from Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Neither had permission, neither explained, and neither sent me the permission used and at a minimum have never explained their actions or their reasoning for all the duplicate answers over the last five years. Instead both companies play the games to avoid because the permission did and does not exist. Both companies are unlawful while managed by attorneys.

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 2022-05-23
Company: Experian Information Solutions Inc.
State: IL
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 XXXX Account # XXXX has violated my rights. 

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

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 2021-09-08
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Jefferson Capital Systems LLC is a third-party debt collector, who purchased my consumer account from XXXX. Which is a violation pursuant of 15 USC 1692c. I did not give permission for this action. I paid this debt out to the third-party debt collector, Jefferson Capital Systems LLC . I reached out to XXXX to get this resolved, but they refused to correct the issue. XXXX sent me a letter validating their actions and made a threat to furnish this information negatively on my consumer report. This information is currently being reported negatively on my consumer credit report, by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: RentDebt Automated Collections, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent to Debt collector I am following up after receiving your letter. It does not show that they responded to my request for an itemization of debt. The original information they sent also did not have the actual debt amount, minus any credits attached. They did not provide me with accurate and required information/documentation. They sent me the collection notices on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, according to the picture XXXX provided of the email transactions. 

The CFPBs debt collection rule requires debt collectors to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within five days of their first communication with you, and it may be sent by mail or electronically. 

This information will help you recognize whether the debt is yours and, if not, how to dispute it. 

This notice generally must include : A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt I responded on XX/XX/XXXX saying this is the first notice of anything owed. I need an itemized invoice of the damages youre claiming. 

I responded again on XX/XX/XXXX saying Again, I need an itemized invoice of the damages you are claiming. I asked this in response to the first email you sent me a few days ago. 

No itemization provided proving I owed debt, nor a way to dispute debt was proved within 30 days of me requesting debt validation. 

XXXX sent a itemization on XX/XX/XXXX, 8 months after I initially requested the information. 

I need validation of the them sending me debt validation within 30 days of my initial request. 
Said debt validation will need to show that it had the full amount owed, what was owed, minus any credits and all additional information requested above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX, XXXX XXXX XXXX and Discover Card has continued to report fraudulent information on my credit file. I have filed several disputes throughout the years with these companies but there never is a positive outcome. They have continue to report this fraudulent information on my credit file even though Ive given them a police reports showing that Im a fraud victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
An account was made on XXXX, a merchant I have never used before in my life. Over the course of 24-48 hours, with my personal information and card information, approximately {$2400.00} was unlawfully taken from my account with no authorization from me. 

I contacted Wells Fargo, they reimbursed me. Now 3 months later without hearing a word from them they took the money they gave me back, and will not allow me to submit any further proof or information to support my case.

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 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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