BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Do not regularly use this card and was charged an annual fee on a card that had been dormant for 12 months. Payment became over due and I submitted payment 30 days late. Tried to close the account and ask for a 1 time curtesy removal of the late mark against my credit. Was told I needed to wait 1 credit reporting cycle to show removal. On XX/XX/ Barclays reported the late payment and impacted my credit score significantly. 
Called back on XX/XX/XXXX to again ask for the removal of the late payment and close my account. Was told I could close my account but that the only way to request a removal of 30 day late payment is to mail a physical letter to their FCRA department and wait to get a response back. They advised there was no other way to speak with the FCRA department other than mailing a physical letter. 
This is completely unacceptable in 2023 that the only way I can reach a fair credit reporting department and a via a physical letter with no way of knowing whether they received the letter.

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 2023-06-28
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX reported multiple late payments on my accounts, however I was in the process of applying for federal student loan forgiveness and consolidation and was in the process of transferring this loans to the Department of Education. The loans were officially taken over by the department of education at the end of XXXX in 2022, but XXXX reported multiple late payments to my credit score during the transition process in XXXX and XXXX of 2022. I am trying to refinance my home to pay for damages to my roof and because of these items my lender will not approve this. On top of that, despite the credit reporting being of no fault of mine due to the active transfer process, I was severely injured in a car accident in XX/XX/2022. I am a XXXX that was working COVID Crisis assignments in ERs all over Florida and was in an accident leaving me unable to walk for almost XXXX months, and had no I come at this time. I am a single mother of three children and I paid the necessary bills to survive, none of which included the loans from the College Foundation as the account is closed and transferred, and I was told due to the pending legislation for student loan forgiveness for nurses, no payment is due at this time.

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 2023-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
OXXXX XXXX XXXX XXXX XXXX XXXX XXXX  was returned to XXXX XXXX XXXX in XXXX XXXX voluntary repo. The amount of car I am disputing because that was the initial amount of car. The car repo is still appearing on my XXXX XXXX and XXXX account wrongfully the following laws 15 usc 1681 section 602 8 states the right to privacy 15 usc 1681 section 604 a section 2. States a consumer reporting agency can not furnish your account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I would get an overdraft fee when I would go negative and it was a Wednesday and I get direct deposit every Friday so each day would be another fee. Another time I had money saved in my checking account and they basically wiped me out because of some issue and wouldn't give me back the money. So ended up closing my account because there was to many issues.

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 2019-07-08
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX/XXXX/2019, XXXX XXXX XXXX XXXX sent a letter stating that Calvary Portfolio was their client for a debt balance {$3300.00}. XXXX XXXX XXXX Services stated they were authorized to accept {$1000.00} on behalf of their client, due XXXX/XXXX/2019 as settlement in full. I sent {$1000.00} to XXXX XXXX XXXX XXXX to settle this account in full and XXXX confirmed my payment was delivered to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX XXXX/XXXX/2019 at XXXX Central and signed by XXXX XXXX 

On XXXX/XXXX/2019, XXXX XXXX XXXX XXXX contacted me by phone and said I owed a balance of {$2300.00}. I explained that I received a letter from their office XXXX/XXXX/2019 outlining the settlement in full. The agent said I was short {$44.00} and therefore owed the remaining balance. I asked, " why would they send a letter stating {$1000.00} was settlement in full, if I supposedly owed more than that amount? Also, I paid {$1000.00} toward this final payment. '' The agent said the letter I received from their office was not valid. I asked, " how is that possible? It is on your company letterhead and sent from your company? '' He did not have an answer and continued to deny that my letter was valid. Also, I never received a letter from XXXX XXXX XXXX XXXX to verify this new amount due of {$2300.00}. 

I checked my three credit reports and Calvary Portfolio has listed a balance in collections {$2300.00} as outstanding. I am disputing that a balance {$2300.00} is past due with Calvary since this was settled in full per the terms outlined in the letter sent by XXXX XXXX XXXX XXXX XXXX/XXXX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I began the process of refinancing with XXXX XXXX, XX/XX/XXXX, I signed documents and on XX/XX/XXXX, and appraisal was ordered and cost was quoted be {$500.00} but was charged {$550.00}. XX/XX/XXXX, I re3ceived an email that my loan was approved. On XX/XX/XXXX I was told it was a conditional approval. On XX/XX/XXXX, I asked for an update as well on XX/XX/XXXX with no response. XX/XX/XXXX I was told the loan is going through its normal process. I was told, by phone, NOT to pay my mortgage that we will close by XX/XX/XXXX. I did not pay XXXX mortgage at that time. XX/XX/XXXX I received an answer that all looks good. XX/XX/XXXX my loan is still under review. XX/XX/XXXX and XXXX, XXXX asking for update since it is passed the XX/XX/XXXX closing date. Received a message on XXXX XXXX that the loan was on track to close. XX/XX/XXXX, still under review and our loan was sold to another company. XX/XX/XXXX I was asked to pay XXXX mortgage and get a new payoff. from the new company. Payoff was received on XX/XX/XXXX. XX/XX/XXXX I checked on the status. 
XX/XX/XXXX, I asked for an update. XX/XX/XXXX. XXXX stated loan was in final review. XX/XX/XXXX, was told they were hoping to close in the next few days. XX/XX/XXXX, waiting to hear from underwriter. XX/XX/XXXX, asked for up date and I was told a different authorization was needed. Unsure what that meant and was not given an answer. They took care of the new authorization on that date. XX/XX/XXXX, asked for another update. Got an email to pay XX/XX/XXXX to mortgage, I paid and asked for another payoff letter. XX/XX/XXXX another payoff was sent. XX/XX/XXXX, Update requested. XX/XX/XXXX received a new loan processor. XX/XX/XXXX was told new lender needs another authorization for credit check and payoff since this paper work is over 60 days. I signed the authorization. XX/XX/XXXX, asked for update. On XX/XX/XXXX I was told my loan was denied due to late payments. Please note on page 2 of the attachment is the email stating our loan was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On this date XX/XX/2023 I got gas at XXXX in XXXX az XXXX in gas XXXX water They charged me XXXX for gas XXXX water They fixed it the next day. 
So XX/XX/2023 they sent collection I owe XXXX XXXX XXXX They over charged me Now there screwin me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft about two years ago, and since then, I've noticed debt collection accounts appear on my credit report every so often. These debts are not mine and I've been able to dispute these accounts and have them removed from my credit report. Recently, on XX/XX/2023, two debt collection accounts from COLUMBIA DEBT RECOVERY appeared on my credit report, which lowered my credit score by XXXX points. I plan on applying for a loan to purchase my first home in the next year, so the effect of these fraudulent debt collection accounts on my XXXX XXXX is distressing. 

The original creditors on these accounts are XXXX XXXX XXXX ( original balance of {$350.00} ) and XXXX XXXX ( original balance of {$150.00} ). These are both apartment rental agencies in XXXX, Texas. I have never been to XXXX, let alone shop for apartments in the area. I believe these two accounts are related to my past identity theft, and called XXXX on XX/XX/2023 to dispute these accounts. I also submit this complaint to help the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Netspend Corporation
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a debit card from the company. I NEVER signed up for an account with this company and I do NOT know them. I attempted to call and inquire who they were, and what the card was for ( as I have no account with them ). It is impossible to speak to a representative without activating the debit card ( which I do not want ). This entire operation reeks of a scam. 

THE ATTACHED FILE HAS THE ACCOUNT AND ROUTING NUMBERS BLOCKED FOR SECURITY PURPOSES

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 2023-10-31
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by a XXXX scammer selling products on their fake website. 
The order was supposed to be refunded after the order was placed. 
I was told to pay the amounts via paypal the friends and family feature. This feature from paypal is very misleading. 

Transaction ID : XXXX Transaction ID : XXXX Transaction ID : XXXX Transaction ID : XXXX Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XX/XX/ XXXXXXXX XXXX XXXXXXXX XXXX Fl XXXX RE Account : Dear TransUnion I was reviewing my credit report and seen some inaccuracies on my credit report. You are reporting a duplicate account on my credit report that needs to be deleted immediately! As you are aware this is a violation of the Fair Debt Collections Practices Act or the Fait Credit Reporting Act. Please delete this item immediately. I know for a fact this XXXX XXXX account was not properly verified because this is not the original account holder nor have I received any documentation as asked prior showing the steps taken to validate this debt and an original contract with my signature. I want this account removed immediately!

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 2023-10-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I lost my job in XXXX and did not find employment until XXXX. During this time XXXX XXXX sold my account to Portfolio Recovery. I have been receiving phone calls since XXXX and I'm sure the statute of limitations has expired for collecting this debt. It has been over nine years! I do not want to talk to Portfolio Recovery because I know they will try to trick you into answering questions that may restart the time on collecting this debt. I have tried to block the phone numbers they use but if you do that you are bombarded with even more phone calls. The phone calls are during the day, at night and on weekends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: Client Services, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Debt Collector, Client Services has recently sent me a collection letter regarding a matter that was supposedly, resolved, several years ago. They are claiming that I owe XXXX. They are so kind and wonderful to offer me to pay only XXXX to resolve a debt that I DO NOT OWE. This matter was resolved with XXXX XXXX and XXXXXXXX XXXX two years ago. You can reference my previous complaints with CFPB regarding this matter. 

Please reach out to Client Services and notify them that their attempt to collect a XXXX XXXX is considered fraud. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Bridgecrest Acceptance Corporation
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The XXXX XXXX XXXX I financed has an Oil Consumption Recall. This information was not provided to me when I financed the vehicle in XX/XX/XXXX. The car has turned off on me while driving, it has burned oil to the point where I'm driving with no oil. I have to add oil to the car every 2 weeks, even after I get the oil changed. 

The main issue is that the engine will eventually fail. I took it to XXXX dealer to get it checked and they said my warranty is expired and I will have to pay out of pocket. ( the car has XXXX miles ) I am driving this car and feel unsafe. I plan on turning the car back to the dealer. I was told by the finance company I will owe the remaining of the loan once I return the car back to the dealer. I don't think it's right that I have to pay a car loan that has so many issues and XXXX refuses to fix the problem.

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 2023-10-31
Company: I.C. System, Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This debt collection company placed a account on my XXXX account in XXXX i disputed it because i am unaware of who they are or who they work for. I requested documents showing the contract they are stating i broke by missed payments and details on the amount i am said to owe. They removed the account from XXXX without any of this information and have now added it to XXXX without still not providing any documents supporting this is my account and they have the right to collect a debt from me. They are ruining my credit worthiness. And i have a block on my XXXX  it is disturbing that people can insert information on my consumer profile without my knowledge or consent which is against the fcra

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 2023-10-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MS
Product: Credit reporting 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, these purported creditors have violated my right. Under 15 USC 1681, section 602 my right to privacy is insured.

Also under 15 USC 1681, section 604 A, subsection 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B, a creditor my not treat a payment on a credit card account under an open and consumer credit plan as late for any reason. 
I demand all unauthorized recordings on my credit record to be removed immediately. I did not give written consent or instructions to do include these recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: PayActiv, Inc.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Monday, XX/XX/2023, I received a XXXX XXXX card in the mail from Payactiv. I did not request this card nor did I open an account with them. I believe this was fraudulently opened in my name. I contacted Payactiv to report the fraud and close the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There are too many credit cards open on my credit report to put on here. Credit cards that arent mine and Ive never even heard of. This person has ruined my credit score and has also stolen my identity.

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 2018-02-18
Company: EQUIFAX, INC.
State: TN
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:
These companies are reporting 30 day lates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: DISCOVER BANK
State: MS
Product: Credit reporting 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, these purported creditors have violated my rights. 
Under 15 USC 1681, section 602 my right to privacy is insured. Also, Under 15 USC 1681, Section 604A, subsection 2 it is also stated that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B, a creditor may NOT treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

I demand that these unauthorized recording be removed from my credit record immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am taken aback of the situation. I've submitted this complaint 4 times & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks 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