BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2023, I received a letter from XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. This letter contained information suggesting I owed a debt to Barclay 's Bank of DelawareXXXX XXXX XXXX XXXX XXXX. This is a judgment, interest, and the total amount attempting to collect is {$6600.00}. The case number is XXXX. I contacted the XXXX 's Office this morning, XXXX, and spoke with the individual handling this case. XXXX XXXX XXXX, Deputy- contact number is XXXX. XXXX XXXX gave me the telephone number to contact XXXX and XXXX. I immediately contacted her via telephone today at XXXX XXXX  XXXX. I spoke with a lady named XXXX. I explained to XXXX XXXX that I do not owe this debt. I then requested their mailing address and proof of this debt. I was informed that they would mail out information to me within the next thirty days showing proof of this debt. My major concern is negatively affecting my credit bureau, as well as this hanging over my head.

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 2021-09-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Property address XXXX XXXX XXXX XXXX FL XXXX Last week I learned from PennyMac, raise my mortgage payment out of nowhere. There was no letters telling me about the increase. No phone calls whatsoever telling me about the increase.. no form of any type of knowledgement. I only learned about this when it was time to make my mortgage payment I went online, to make the payment when I noticed an increase of so many hundreds per month. Look like it was adding almost to a grand extra per month. 

I have a FHA loan which supposed to have set payments for the next 30 years. I couldn't understand how they could have been an increase extremely so high out of nowhere. Nevertheless never to be notified about the increase in a timely matter. There was no correspondence from PennyMac letting me know about this increase. Furthermore, PennyMac was contacted about this increase. They stated clearly that the property tax is on the house increase more than {$5000.00} for the year.. Which I found that nearly impossible. How can you tell me, that property taxes could increase by {$5000.00} per year.. that is exactly what a representative from PennyMac has stated. 

XXXX county tax collector office was contacted right away. Who clarify how much the property taxes went up. XXXX county tax collector office informed us, that the property taxes only went up {$370.00} more a year. Not over {$5000.00} more a year.. however, PennyMac, was contacted for them to recalculate and make the necessary corrections. Nevertheless, we also sent them a copy of the property tax bill what it should be. Nevertheless have they made the adjustment. Yet they still want to charge us an increase of almost a grand more a month.. they told us if we did not pay that extra more a grand per month, that we would be considered in default with the mortgage payments. So it clearly took us by surprise that we had to pay almost XXXX more to cover for the mortgage payments.. nevertheless, we was told we would have to pay that increase for the next whole year, per month. I do not understand how did they do their math. How do I go from a 30-year fix, and get in an increase of XXXX per month more. On top of the mortgage payments I make currently. There is no way we could afford a extra {$800.00} more per month. Then again there's no way a property taxes could go up {$5000.00} extra per year. Because property taxes have a cap. They basically double my property taxes. With an increase of more than 100 %..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just received notification today, XX/XX/XXXX, from Experian that XXXX pulled my credit file ( FRAUDULENTLY ). This is the second time in the past 5 months this has happened. On XX/XX/XXXX XXXX FRAUDULENTLY allowed my credit to be pulled. I have attached a previous CFPB complaint with XXXX and a letter from XXXX verifying it was fraudulent. I have attached my complaint letter directly to XXXX telling them it was fraudulent as well, and to NOT extend credit in my name without verifying my identity. After this happened I filed with the FTC as a victim of identity theft ( see attached ). There is also Fraud Victim alerts placed on all my credit files with the 3 major credit bureaus stating to contact me at my phone number to verify my identity ( see attached ). XXXX did NOT do this and pulled my credit file with out my permission or consent again. These inquires are ILLEGAL. Remove the fraudulent inquiry from my file immediately or I will file suit. I already have a consumer protection attorney, who I will be contacting immediately regarding this issue, due to previous identity theft.

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 2023-05-22
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please accurately including every notation, date, and balance whether reported or not. 
[ XXXX XXXX XXXX ] [ Comenity Bank ] I also respectfully request to be provided specific proof that the alleged late payments were in fact late. I request to see all statements and payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If you are unable to provide proof or if lacking proof of payments being late please update my payment history to PAANL status ( Paid As Agreen Never Late ) according to consumer protection laws. 

You are in Direct violation of the fair credit reporting act has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit account as an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The company. Credit Acceptance doesnt have a charter, functioning illegally and unlawfully. There is no original contact with my or my son, XXXX XXXX, autograph signature. Therefore Credit acceptances representatives collected payment under fraudulent actions. The alleged debt was disputed through notarized letter XX/XX/2021 and sent certified mail, return receipt XX/XX/2021. The company did not prove the alleged debt by satisfying our request for proof. Violation of The Fair Debt Collections Practices Act. The company proceeded on XX/XX/2021 to seize property & through coercion forced XXXX XXXX, secured party to immediately pay to have property released an back to him causing disruption and distress to his livelihood. 

I filed a complaint to you on XXXX XXXX, undersigneds behalf at the end of XXXX with XXXX XXXX as Additional Point of Contact which is on your website contained in the full complaint # XXXX, STEP 5 ; The companys response was sent to my email and continuously I attempted to open it to no avail. I emailed you, spoke to XXXX, XXXX and Ms.XXXX who the latter two said I am not authorized because my name is not on the complaint. I have print out proof as me being authorized. So your error has prolonged this problem & Credit Acceptance has continue to move forward in fraudulent actions. 

I have reached out to legal support.

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 2023-08-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Since XXXX, 2023, I have attempted to receive the 2 % cash back on my purchases per Wells Fargo 's Cash Rewards on purchases.

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 2023-08-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Wells Fargo Bank is in the habit of refusing to acknowledging that I made an accurate transaction ; thereby refusing to award me its reward of 2 % back on purchases.

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 2019-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
On XX/XX/2019 I used my Capital One credit card ending in XXXX to pay for a reservation to XXXX XXXX XXXX that I have made on XXXX. Since I arrived at the resort it has been a nightmare experience from the rooms not being as advertised, to the resort refusing to give our money back to us if we agreed to check out. While at the resort I first contacted Capital One about the issue on XX/XX/2019 the representative said they would take care of the issue once the charge posted to my account. Fast forward to XX/XX/2019 I called Captial One to begin the procedure of disputing the charge to the account. The representative for Capital One assured me that I would not have to be responsible for this charge and that they would take care of it. The repersentive informed me that if they needed anymore information that they will ethier call me or send me a letter in the mail. I havent received anything from the company so I figured every thing was good until XX/XX/XXXX. On XX/XX/XXXX Capital One rebilled my card for XXXX. Upon seeing this I called Captial One to find out why I was rebiled for this charge. The first repersentive I talked to said that I did not provide enough evidence for them to move forward with the investigation she said that I would have to send a rebuttal since the resort responded to the dispute and I would also have to send a cancellation notice. I told the repersentive that I would not have a cancellation notice because the resort refused cancellation. So I sent Captial one what I had which was proof of the actual booking, my statement and pictures of what I was advertised and what I actually received. I was then notified by Captial One that with out a cancellation notice they refused to do anything about this charge on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX XXXX XXXX. XXXX : {$430.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX .... Balance XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX  XXXX .... Balance XXXX {$3500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX... .Balance : {$4200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX .... Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX  XXXX .... Balance : {$4400.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have faxed in information proving I have made my car payments. XXXX XXXX directly faxed this information to credit acceptance. XXXX XXXX has confirmed payments were made, payments were not returned back into my account. Credit acceptance verified they received this information, but is now asking for more information and bank statements for months I have made payments. What does this have to do with the payments they are claiming I didnt make? They are claiming my payments from XXXX and XXXX were returned in XXXX which makes no sense. XXXX XXXX verified this did not happen. XXXX XXXX verified these payments were made and proof was sent to credit acceptance. They are refusing to update my account to reflect this information. They are reporting my account is not in good standing. This is affecting my credit AND I had to make a payment to stop a repossession on my vehicle! This is ridiculous and it needs to stop!

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 2018-08-20
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked NUMEROURS times for this company to send me VERIFICATION with MY signature authorizing THEM to have a contract me me, to owe this debt, and each time was sent a statement with my name, birth date, and debt owed ( This does not verify my debt ) The original company has written off this debt, and I have been in communication with them over this, I DO NOT OWE this debt. They can not verfity it because of the simple fact of XXXX law in which my signature and medical issues were not disclosed. ANYONE can get my info and say I owe a debt. I want this collection OFF my credit reports ( all three bureaus ).  VALIDATION and VERIFICATION are two totally different things and this company has YET to show me PROOF that I woe this debt to them ( I do not owe this debt to them ) If this is not off my credit reports as deletion, I will take legal action against this company for the continued letters/phone calls/ and not being able to verify this debt belongs to me OR me and this company has written contract stating i owe the debt to them ( meaning a SIGNATURE on the debt or between me and them ) I will take full legal action against them. I want this off my report ASAP, and no future letters/calls/etc. I am not the only consumer who has been repeatedly contacted by this company. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 with 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 2022-01-09
Company: WELLS FARGO & COMPANY
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX sent me a notice saying wellsfargo inquriy/ account opened with my ssn i then check it in i never got approved for a wells account and then all of a sudden somebody used my ssn to open one thats not right i call wells they told me they could not tell me anything about it if i dont have a account number / card number i said you should because you let them open it with my ssn that makes it my bessniss i need to see what i can do about it please help me

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 2022-07-13
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
3. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX XXXX XXXX XXXX Failure to perform an investigation per fcra regulation 4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Failure to perform an investigation per fcra regulation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
To Whom this may Concern First of all please forgive me about my righting skills and spell, I'm XXXX, Sorry about this. 
any ways, I desperately asking that Transunion XXXX  and XXXX  credit burues take a long and hard look at my credit report payment history. 

i'm sorry but I fel that i'm being treated very unfairly here. I'm XXXX years old and been at my current employer for over 15 years. 

I was brought up as a kid to be very reasonable, if you owe someone money you pay them. 

but anyways to the subject here regarding ( XXXX XXXX XXXX XXXX ) I been a customer of there's for over 3 1/2 years, I had great payment history with them, never missed a single payment, i beg you please look at my account with them you'll see for your self, then the huge pandemic happen, and i feel into the ground, not only with this creditor but others as well because of being laid off, and getting XXXX  XXXX but as soon as i started working again, I contacted the creditor directly and sent them sevral letters explaining what had happen, they stated they due what they could and thats it. 
will nothing i've disputed this with all three credit bures and nothing is happening. 

I'm desperately asking for forgiveness here, I don't desver to being thorn in the ground like this with my credit score or credit report, I'm a good hearted XXXX XXXX. 

I contacted the creditors and payed them all in full. I owe a {$0.00} balance on all of theses accounts. Why in the heck would ive payed all theys accounts if i was just being a losser. 

no thats not how i was rased. They even had offered me a settlement offer, I choose to pay what i owed includeing all late payment intrest and everything. 

Please I beggeing you all to take a strong look at this and give me a little leanaly, Im truely a good guy, pleaee help me with this pleae

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