BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-26
Company: BARCLAYS BANK DELAWARE
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2019, I received a letter from Barclays regarding a card called XXXX, alerting me that there was an issue with my card/account and I should contact the company immediately. 

I never signed up for such a card, nor do a possess a physical card by that name with the account number ending in XXXX. I sent Barclays a letter dated XX/XX/2019 letting them know that I never signed up for their XXXX card and that I suspected my information was illegally transferred from a previous account I had through XXXX XXXX/Barclays. XXXX changed service providers and that account was closed. In my letter I stated that I would be submitting a complaint to CFPB if they did not send me something in writing saying that this fraudulent account would cease and desist. 

Barclays has continued to send me letters about this account and also continued to make claims that I did not pay an annual fee for the card. I recently received such a letter dated XX/XX/2019. 

I am concerned that this fraudulent activity being committed by Barclays may be negatively affecting my credit. They are impossible to speak with by phone as their agents seemed to be trained on how to continue with company endorsed fraud. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: TRANSWORLD SYSTEMS INC
State: IN
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:
XXXX University is falsely reporting a student " education loan '' on my credit report, which I did not open. I am in litigation with Indiana University regarding a debt they claim I owe to XXXX. I have disputed the debt in totality in writing directly with the credit reporting agencies, the university, and their loan servicing company/collector, XXXX XXXX XXXXXXXX, XXXX ( XXXX ). 
1. ) The university has not furnished to the credit reporting agencies that I have disputed the debt directly with them in writing on XX/XX/XXXX. 
2. ) XXXX has not marked the account on my credit report as " Disputed  '' or " Account in Litigation '' when i disputed the account on their website on XX/XX/XXXX, and has concluded to not change the account status as of XX/XX/XXXX. 
3. ) In response to a previous CFPB complaint ( # XXXX ) I made against XXXX on XX/XX/XXXX, XXXX stated in writing that the account ... " is a delinquent XXXX  account from XXXX University, money owed directly to the University ( for tuition, fees, andother items ) that was outstanding at the time you left the school. It is not a loan. '' Which is a false and/or misleading statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was in the process of fixing my credit so that I am able to purchase a home. I contacted the original Company, XXXX, and was advised that my account was sent to Crown Asset Management LLC. I don not recall being informed that my account would or could be sold to a third party. In spite of this, I proceeded to contact this company at XXXX. Upon calling I was informed that my account has not yet been assigned to a representative and that it was pending placement. I asked how long would that process take the Operator advised that she was unaware and that it depends. She advised me that she could take my information, add it to the account, and when my account is " placed '' they will see the notes that I called in. This was roughly six or so months ago. Between then and now, I have continuously called, on numerous occasions. One call I was connected to an XXXX voicemail. I left a detailed message ( XX/XX/XXXX and XX/XX/XXXX XXXX ). I have yet to receive a call from her. I called back repeatedly. When doing that I would be transferred to a busy signal. When I called back and tried a different option, I was again sent to a voicemail ( this time not XXXX, but a general voicemail box ). I left more messages. Still no one has contacted me. I even made the attempt of contacting the Company via XXXX. I seen an XXXX XXXX, and made an attempt for someone to call me back. I have contacted XXXX and was advised that I could file a complaint on the Company and dispute. I am doing both. Please investigate this Company. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: CT
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, Experian, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says XXXX, Experian, and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Experian, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Experian, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something 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 explanation
Consumer complaint received 2023-05-30
Company: OPORTUN FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have e-mailed XXXX and have called XXXX about adjusting my APR under XXXX XXXX XXXX XXXX XXXX ( XXXX ). They have repeatedly told me each time Ive called that their computer system cant change the APR rate. Ive tried asking for a supervisor and each time they have told me their supervisor is not in today. Then Ive tried asking for any manager. The employee on the line proceeded to tell me to stop wasting their time and I can hang up. More recently XXXX XXXX I called asking to be transferred to the American office. The employee told me he cant and doesnt have a way to reach an American counterpart. 

When I tried to email them asking to talk to someone about SCRA, I received this response back : Thank you for reaching out regarding the Oportun Visa Credit Card. Your question is very important.If you have any questions about your application, please call XXXX, from XXXX XXXX - XXXX XXXX XXXXXXXX Mon - Fri or XXXX XXXX - XXXX XXXX XXXX Sat Sun.If you have any questions about your account, please call XXXX, from XXXX XXXX - XXXX XXXX XXXX Mon - Fri or XXXX XXXX  - XXXX XXXX  XXXX Sat Sun. 
You can visit Oportun.com/creditcards at any time to login and view recent transactions, statements, set-up account alerts, or to review your account information. 
Also you can visit our web chat Credit Card service in our website www.oportun.comSincerely, Oportun General CC SP. 

I tried calling the XXXX as another line and the employee said he couldnt find me and I needed to provide a credit card to verify my identity. I tried to give the Oportun account credit card but he said he couldnt use it and to stop wasting his time and I could hang up if I wasnt going to give him a valid credit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
FICO gives a person a 30-day grace period before certain loan inquiries, like auto loans, are reflected in credit scores. FICO records multiple inquiries for the same type of loans as a single inquiry as long as they're made within a certain window ( typically 14 days. ( Comparison shopping ) Transunion recorded each inquiry separately totaling six for the same loan. To my knowledge, I have not signed or allowed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, or any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above.

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone who has stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act.

Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( s ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my request.

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 2023-05-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SD
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:
On XX/XX/23, I noticed 3 transactions ( all with the same merchant ) on my account that were unauthorized. I immediately reported the transactions to USAA and opened a dispute, and they issued temporary provisional credits while they investigated. On XX/XX/23, I was informed via email that they were denying my dispute and would be reversing the credits. Upon reading the documentation provided by the merchant, it became apparent that the evidence for the transactions being legitimate was severely lacking. 

The merchant 's documentation consisted of two things : 1. A printout of my account history with the merchant - The issue with this is that I had legitimately done business with the merchant in the past ( and never claimed otherwise ), my contention was that the last XXXX transactions with them were not authorized, but prior ones were. Simply showing that I had done business with the merchant in the past ( something I had never denied ) fails to show that the 3 transactions that were disputed were legitimate.

2. A printout of a background report that the merchant had obtained on me, including prior addresses and phone numbers - The merchant seemed to suggest that since they had my personal information, therefore, the XXXX disputed transactions were legitimate. However, as stated above, since I had previously done business with the merchant in the past, it is no surprise that they had my personal information, since I had given that to the merchant myself. 

I have made countless calls to USAA since XX/XX/23 in an attempt to understand why the dispute was denied and to resolve the issue. As has become typical USAA practice, I wasn't allowed to communicate with anyone who actually made a decision regarding the dispute. Instead, I was told that a " request '' could be opened to re-open the investigation. However, several days later and without warning, USAA locked me out of my bank account and changed my password and PIN. That was apparently their response to re-opening the investigation of the dispute ( and then subsequently denying the dispute again, without providing any information, and failing to answer any question raised for the reason of the denial in the first place ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Official complaint was sent to Bank of America about an international credit card transaction in the amount of XXXX from XXXX XXXX XXXX  XXXX. I asked BOA to reverse the charge because the merchandise was returned back to the store after I had the product appraised by an independent third-party appraiser and learned the merchandise was not represented as described. It was 2 bracelets that were sold as diamonds but appraisal showed they were not diamonds. Upon returning to the store, the merchant accepted the merchandise but stated they could not give credit back due to a 'no return/exchange policy '. This was not disclosed at the time of sale. I advised merchant that I would dispute the transaction so they refuse to give back the merchandise and refuse to reverse the transaction. 
I entered into a dispute with Bank of America. Per Visa Conditions XXXX-the merchant cancelled the transaction when they accepted the product and refused to give it back. Per Visa Condition XXXX -the merchandise was not sold as described. Per Condition XXXX & XXXX the merchandise was identified as counterfeit by a neutral third party expert and therefore misrepresented. Visa conditions clearly states the merchant 's must keep in mind their return policy has no bearing on disputes under these conditions. Bank of America sent the dispute to the acquirer and ask the merchant for a receipt. Merchant provided the wrong receipt. BOA then ask me for the receipt. I provided correct receipt. 
BOA refused to honor the claim after obtaining my receipt stating they are honoring the merchant 's no return policy. I escalated as a complaint. BOA still refused to honor a full return -instead said they would only provide partial credit of XXXX which would be reported as a write-off. BOA sent a notice to indicate the XXXX would be a write off and must be claimed as income. With full awareness of all VISA conditions, BOA refuse to give full credit. BOA representative stated they understood the entire situation but stated, although unfortunate, I would have to accept partial responsibility. I am requesting full credit as a dispute and not a write off as the merchant canceled the transaction when they refuse to give back the merchandise.

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 2017-06-28
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2011, took out a mortgage that later ended up being serviced by Fay Servicing. I read the report that CFPB fined them up to XXXX XXXXXXXX for multiple failures to protect consumers such as was the case with me, used illegal practices among other violations. The report says Fay has to pay back that money to those consumers harmed by those practices. How can I be assured that Fay will reimburse me? All of the details of my case can be found by contacting XXXX XXXX XXXX. Fay never offered or informed us about mortgage relief when this first happened. Now, for the past two years, I have been trying to get a loan modification with Fay and they keep asking for documents, then they let them expire and then ask for them again and again .... all while they have a pending case pushing for foreclosure. My lawyer says they ca n't pursue sale while we are in the modification stage yet they continue to do so. Thank you so very much. I look forward to hearing back from you. And look forward to the hope of getting reimbursed for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
TXXXX 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 2023-05-30
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter, dated XX/XX/2023, stating my checking and savings accounts were going to be closed due to a decision made based upon a previous account that had been closed which was not the case. My online access was also blocked stating " due to suspicious activity ''. An XXXX number was provided which I called and was told the bank had the right to close my accounts. 

Fortunately, I did transfer funds from the accounts slated to be closed to a new institution prior to my online access being locked prior to the date stated in the letter. Bank representatives stated my online access was blocked and would not be reinstated even though I had five existing accounts held by Chase that were not being closed. I stated I needed access to those regardless of whether or not the checking and savings were scheduled for closure as I opted for electronic documents versus paper. 

We received the attached document stating the accounts would not be closed with an apology for any inconvenience this may have caused. The accounts are in fact closed and this was verbally confirmed by a bank representative on XX/XX/2023. 

JP Morgan Chase Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: NJ
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be removed immediately. 

XXXX XXXX Please provide me with the Consumer Contract with my Signature on it. 
Thank you for your prompt assistance in this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2023-07-24
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX CARD XXXX, XXXX CARD XXXX and XXXX CARD XXXXXXXX

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 2023-03-06
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$5700.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$0.00} XX/XX/XXXX UNKNOWN XXXX {$200.00} XX/XX/XXXX

Company response to consumer: Closed with explanation