BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-19
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XX/XX/2017 I asked the company to closed my account and If I could return such merchandise. They refused to take back the product, but let me close my account. But, I began to receive more interest and hiked payments. I called again to speak with top management and they refused to help. So, I filed a dispute with XXXX. No, results. They still were charging me money. And, still doing so. My status is Closed /Never late, but this company refuses to stop charging me. It started XXXX  it's now XXXX. please help. Company Barclay 's.

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 2021-03-03
Company: AC AutoPay LLC, Denver, CO Branch
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Company never answers their phone and the representative " XXXX '' is consistently rude, unprofessional, aggressive, and even hangs up in my face. They do not properly bill me, send me the correct notices, or even send me monthly statements.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not Authorize, consent or benefit from any of the following accounts and inquiries : Account Name : 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 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 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 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 The following accounts have Inaccurate reporting. 
Account Name : XXXX XXXX  XXXX Account number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/30 and XXXX, I have tried to explain to Capital One that they should be releasing Available Credit upon paying the balance. As of XXXX, I have closed the account with Capital One due to many different factors, one including employees in the XXXX who thought it was funny that I was requesting the available credit to be available. I could hear a subtle giggle after the employee put herself on mute and then unmuted herself. I don't appreciate all the level of mistreatment by these people and they should all be fired. 
I wish for no additional communication from Capital One. I'm disgusted with how they operate from a business perspective.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/2020, my brother was meant to send me funds in the amount of {$160.00} for personal reasons. Upon making the transaction, the PayPal app glitched and the funds were sent to a woman with the same first name but with the last name of XXXX. He immediately filed a dispute with PayPal, he had no contact with his bank, and the funds were seemingly returned - he sent the funds to me after he received them. On XX/XX/XXXX, I received an email that advised I owed PayPal the - {$160.00} because my brother filed a dispute against me for the monies. Please note, I immediately called him to ask about the dispute ; he advised that he only filed the one dispute and doesn't even have a confirmation email to support the claim. We called PayPal together the same day and advised that it was an error on their end. The agent responded that my brother was the one who filed the claim and it was my responsibility to pay it. I requested a supervisor and we were later disconnected. On XX/XX/XXXX, I was called 4  times by PayPal who requested their payment. I advised that it was not my error for the dispute and requested a manager ; they also charged me an additional {$15.00} for not paying them ASAP. I was transferred to XXXX, XXXX XXXX, who was rude and inconsiderate in his responses and blamed my brother who filed the dispute - he advised he doesnt have the dispute nor the funds to reflect that it was received back into his account. We offered to send the bank statement as proof of missing money and he declined advising, that PayPal does not accept documentation, even for a dispute against them! I thought it was suspicious that they wouldn't accept proof that we did not receive the funds. After almost an hour of requesting a solution other than me paying ( like a formal dispute, investigation, etc ) I requested someone higher, and was denied one because it was against their P & P 's to do so. When I advised that the customer service was lacking, he promptly responded with " I'm not customer service, I am in collections '' As a trainer for a company, I understand there is an element of customer service within Collections and he was just snarky the whole time. I explained that I needed it to be corrected because it was their error for the dispute that was filed against me and I needed that money to pay for a roof over my head because I care for my grandparents and mother, who currently isnt working due to COVID  and XXXX XXXX. I don't have the money to pay them back and it wasnt my fault they filed on behalf on my brother.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: NJ
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:
I appreciate your assistance in recovering a portion of the data in my credit file that came about because of a FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2021-02-13
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we requested assistance due to the pandemic and received paperwork in XX/XX/XXXX. The message number for the first request is XXXX. 
Since that time we have been trying to obtain a modification to no avail as we receive conflicting information from the representatives. We have signed, had the documents notarized and returned the document several times to only being given a different excuse. I have resubmitted the required documents numerous times ; however, the review process has not taken placed as I am always advised the documents were not received. Mr. Cooper has sent notaries to my home three times and on all three occasions the documents were signed and provided to the notary only to be advised by Mr. Cooper that they need the signed and notarized documents. One time we were advised the documents were incorrect, the signature isnt legible, documents not notarized, we dont have all of the documents and the list goes on and on. 

I have questioned several times why my fathers name is on the documents for him to sign when he is deceased? The death certificate was provided in XXXX and numerous times in XXXX with the last time being on XX/XX/XXXX. 

As I stated in my XX/XX/XXXX email ( see below ) my father died of a XXXX XXXX and I am fighting to keep my home that I grew up in along with the memories. However, Mr. Cooper is not making this easy and has my family completely stressed. In XXXX we applied for a modification after my father died as the loan was delinquent and encountered the same issues that I am facing in XXXX. At that time ( XXXX XXXX I advised that I wanted to apply for Success in Interest and XXXX XXXX system of record was updated to reflect the Estate of XXXX XXXX. The modification documents were sent, which I signed only to later determine I also signed an assumption of the mortgage. 
We have been trying to make our mortgage payments ; however, each time a representative advises that I did not need to make payments as they were processing the paperwork. It appears they are now trying to take us down the foreclosure path even though on each call the representatives promises not to foreclose and then state documents will be mailed. It is now XX/XX/XXXX and we are still being told they dont have the completed paperwork, the signature was not legible even though I signed the modification papers in XXXX and they could not verify my signature since they didnt anything to compare it to. Again I signed the modification and assumption documents in XXXX. Mr. Cooper was entrusted with handling our and servicing our mortgage but they are breaking our trust by engaging in unfair and deceptive practices. Please help save our home and eliminate the additional stress as we already dealing with the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a conventional mortgage on my home in XXXX XXXX, Maryland. The mortgage initially was serviced by XXXX XXXX XXXX, but effective XX/XX/XXXX, XXXX XXXX XXXX began servicing the mortgage. My account number is XXXX. 
XXXX  XXXX XXXX  is now XXXX. 

In XXXX, I prepaid in full real estate taxes of {$510000.00} that were going to be due in XXXX to XXXX XXXX, Maryland. Nevertheless, a monthly amount was placed by the mortgage servicing company in escrow during XXXX to cover those taxes. 

On XX/XX/XXXX, XXXX  XXXX XXXX  notified me that it had received a refund check from XXXX XXXX, Maryland for the XXXX taxes I had prepaid. It said the refund was due to my overpayment of my real estate taxes. XXXX XXXX XXXX  said it would pay this surplus to me " when your mortgage account goes through the next schedule annual analysis. '' However, by the middle of XXXX, I had not received the refund of {$5100.00}. I called XXXX XXXX XXXX in XXXX to ask about the refund. The representative told me that the next review for Maryland accounts would be conducted shortly, and that I would receive half the refund in XXXX and half in XXXX. 

I did not receive any refund in XXXX or by XXXX, XXXX. I called XXXX  XXXX XXXX in XXXX and asked about the refund. The representative told me that the next review of Maryland accounts would be conducted in XXXX and that I would receive the refund later in XXXX or XXXX. 

I did not receive any refund in XXXX. I called XXXX to complain. A representative told me that the review for Maryland accounts would be conducted in XXXX, and that I would receive the refund in XXXX. 

To date, I have receive no refund. My three telephone calls supposedly were recorded, so XXXX has a record of my complaints. I am convinced this is a scam by XXXX to hold on and use my money for as long as possible, depriving me of the refund and the interest I could have earned on it. I doubt I am the only consumer affected by this scam. 

I ask you to investigate and compel XXXX to pay my my refund of {$5100.00} with interest back to XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: UT
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 AND XXXX, AS WELL AS EXPERIAN CONSUMER CREDIT REPORTING BUREAU, ARE REPORTING FRAUDULENT INACCURATE ACCOUNTS IN MY GOOD NAME, I HAVE DISPUTED THIS INFORMATION DIRECTLY WITH THEM BUT THERE HAS NOT BEEN A RESPONSE AS OF YET.

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 2020-12-30
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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-08-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX 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 explanation
Consumer complaint received 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Congress made it know to a federal protected consumer that XXXX, Transunion and XXXX must have your written instructions from the consumer. I never gave XXXX, Transunion and XXXX any written instructions no consent is identity theft. They never did their investigation right according to federal law. They never talk to my neighbors friends or associate. Pursuant to 15 U.S. Code 1681a - Definitions ; rules of constructiona ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associat
es of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Remove all accounts

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 2023-01-26
Company: EQUIFAX, INC.
State: AR
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 have disputed an entry on my credit report with XXXX XXXX concerning XXXX Bankruptcy and the only response I receive is verified information so how is it verified information if the courts do not report to the ( 3 ) Credit Reporting Agencies in which I have included a letter stating that and XXXX also has stated they do not report to the credit reporting agencies it is also included so if the information is not verified from the original creditor how is it verified information? 
I have asked for validation of notice of how and from whom this information was verified with and no response the only letter I receive back is verified information which is not verified cause the original creditor does not report to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions 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:
I am not liable for any debt with XXXX XXXX Apartments I dont not have a contract with XXXX XXXX XXXX and after numerous attempts to resolve this inaccurate information being reported on my credit they have failed to send me a copy of the contract as requested

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 2023-08-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I hope this message finds you well. I am writing to formally request the removal of an unauthorized credit inquiry that appears on my account. The inquiry in question, made on XX/XX/XXXX and XX/XX/XXXX was not authorized by me and therefore should not be reflected on my account. 

I understand the importance of accurate credit reporting and compliance with the Fair Credit Reporting Act ( FCRA ). According to the FCRA, any credit inquiry must be authorized by the account holder, which is not the case with this particular inquiry. As such, I kindly ask for your immediate attention to this matter. 

Please initiate an investigation into the unauthorized inquiry and take the necessary steps to remove it from my account. I also request that you provide me with written confirmation once the inquiry has been successfully removed, as this will help ensure the accuracy of my credit report. 

I appreciate your understanding of the urgency of this issue and your commitment to resolving it in a timely manner. 

Thank you for your prompt attention to this matter. I look forward to your timely 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
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I XXXX XXXX examined my credit report and found a late payment dated XX/XX/2023 from XXXX  XXXX. According to Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A late payment or credit note is consider a transaction. 

Account Name : XXXX  XXXX Account Number : XXXX Please remove this negative item from XX/XX/2023 and update to current/terms met.

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