BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To : Barclays Bank Delaware AND XXXX XXXX XXXX XXXX XXXX. I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.

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 2021-10-25
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been scammed and I contacted the citibank to get my money back. However they said it was proven that I willingly gave the money. I understand that I willingly gave the money but I was scammed so I wish to put the stop on these fraudulent charges

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 2019-02-14
Company: CITIBANK, N.A.
State: UT
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:
XX/XX/2019 Called CITIBANK XXXX XXXX XXXX They found the account and forwarded me to Federal Fraud Called XXXX XXXX XXXX XXXX Called XXXX Reference XXXX XXXX Called Federal Trade Reference XXXX XXXX XXXX XXXX Fraud Alert on my XXXX account Account opened XX/XX/2019 charged XX/XX/2019 XXXX Over limit alert. Called CITIBANK back again for a " Closed Account '' and they stated they could not locate my information without a Credit Card number. And did not assist me with the letter for " Closed Account ''

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 2021-07-07
Company: D2 Management LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
All I have is a phone number. The person stated their name was XXXX. They called from XXXX. But they didn't call me, they called my brother in California. I live in Texas. I've never used him or his phone number as a reference so they illegally obtained it. They stated I need to contact them or have my lawyer contact them to figure out how to proceed with the legal matters. They would not share information about the debt they were trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a derogatory notice from a collection company reported to my without even being contacted in writing about a debt.

I can't write a letter of dispute to a collection company when I never received a letter or notice of collection.

I never got a 30/60/90 day collection letter.

I never got a chance to dispute the collection before this was reported to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My problem is with a new bank policy at Chase Bank that does not allow you to deposit or withdraw funds from the ATM in at least 2 locations in my neighborhood between the hours of XXXX and XXXX. I dont think this is a practice at all their facilities and it's not clear as to why these particular locations were targeted. It's not only inconvenient for those who may need to make a transaction between those hours it also shows a lack of concern for faithful Chase customers in the area. The 2 locations are on the city of XXXX 's westside. One is on XXXX and XXXX and the other is on XXXX and XXXX. I just wanted to voice my concern about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Chase XXXX XXXX XXXX XXXX XXXX, reported my account as late 30-59 days in XX/XX/XXXX. XX/XX/XXXXStatement was delivered by the bank to the wrong email address electronically. I never received. Once it became obvious that the statement did not show up, I called the bank to inquire and was told that there was a small balance due. I paid it in full immediately and the bank waived the late fee from my account as they undersatood what has happened. 
However, the late fee mark was never removed from my credit report. I can initaiated multiple requests through the bank and the credit bureaus with no result. 
I believe it is unfair to have this derogatory mark on the my credit report for no fault of my own. The balance was promptly paid and the email address has been corrected. 
My account with chase is still open and current and has never any late payment ever. 
I am turning to you to assist in mediating this issue due to the hardship it is placing on my unfairly. 
Thank you Bank info : CHASE XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Around end of XX/XX/2023, my US Bank checking account was closed unexpectedly. I had received an email noting a suspicious activity on the account early XXXX. I called in to the number provided in the email, explained the activity and why it wasnt suspicious, and US Bank said they needed my sister to call them instead. My sister then called them and filled out a form, and US Bank said they will get back to us. They never got back to us and our account was closed. To this date, I was never notified that my account was closed. This has caused more than 10 bounced checks and fees totaling more than {$300.00}.

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 2018-11-13
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into a mortgage loan with Wells Fargo Home Mortgage and the loan that was offered on predatory terms. They have also refused to allow me to refinance the loan that I previously received. They also denied me the right to pay off this mortgage.I have been taken advantage of by Wells Fargo.I have been paying on account XXXX for over 20 years. I have been making balloon payments of $ XXXX monthly payments for over 20 years and my balance is still {$43000.00} and that not correct. Wells Fargo has tried to take my house several times and made me come up with balloon payments but my balance does not reflect these funds. Out of the total monthly payment of {$800.00} only {$73.00} is going to the principle and the rest is being applied to interest. I had XXXX at the time that I signed this loan and I feel like they are taking advantage of me and waiting for me to die to take my house. The way that they set up this mortgage loan, I will never own the house I have paid for over 20 years.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 items 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 items : XXXX 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 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 XXXXXX/XX/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 2022-04-05
Company: Experian Information Solutions Inc.
State: PA
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2020-07-24
Company: HARBORONE MORTGAGE, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, I need your help resolving a problem with HarborOne, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NH XXXX www.harboronemortgage.com HarborOne has  offloaded my home mortgage to XXXX  XXXX.XXXX.XXXX XXXX  is placing numerous, daily phone calls to my mobile number, leaving a message to call them back, when you do the only thing available is an automated system and no way to get a human being on the phone. 
Back in XXXX I reached out to HarborOne XXXX NH only to be told they can not help me and gave me the XXXX. XXXX  link If you follow the link you will see for yourself : XXXX  does not list an email address on the Contact Information portion of the web site link. 
XXXX has a Login, but there is no mechanism for me to access Set Up of that feature. 
Add the fact that XXXX answers the phone with automation, no means or mechanism to speak with a human being or leave a voice message. 
At this point XXXX is not sending me my monthly statement. 
I am in fear they are trying to make me late or put me into default. 
Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: PA
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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: Personal information incorrect

Complaint:
Inaccurate address posted on credit report, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Az XXXX. 
I no longer live at the address listed above.

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 2022-04-05
Company: Experian Information Solutions Inc.
State: CT
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:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

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 explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: MS
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, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
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 checked my credit report from XXXX, Equifax and XXXX and saw and incorrect account being reported. Ive contacted the collection agency and they were unable to validate the debt. They threatened to sue if I didnt pay the debt but provided no information. I want the debt removed as it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2023, I received a phone call from someone claiming to be a XXXX representative offering to save me money on my bill. The individual gave me a number to call which had prompts to follow. I did so and was connected with another individual who sounded like a legitimate XXXX representative because he had information about my account. He indicated that in order reduce my bill, I would need to purchase XXXX gift cards and pre-pay 2 months in advance. I did as he instructed and was unfortunately scammed out of {$400.00} in XXXX gift cards. I paid for same with my Capital One XXXX credit card. 
I contacted both XXXX and XXXX immediately thereafter. The funds had already been disbursed from the gift cards. XXXX refused to refund the money. XXXX has also refused to reimburse the funds claiming that since I was an authorized user, they are not responsible for this type of fraud protection. 
On XX/XX/2023, I filed an incident report with XXXX XXXX Police Department.

Company response to consumer: Closed with explanation