BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit 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/23 I generated an online XXXX account to purchase an item that I intended to pick up in XXXX XXXX in XXXX Wa XXXX I live in XXXX, Oregon. That XXXX is XXXX mins down XXXX XXXX from me. I paid using a Barclays credit card.-It was the only online order I placed. 

XXXX XX/XX/23 I received multiple emails from XXXX XXXX, advising the items I just ordered were ready for pick up in a XXXX XXXX FLORIDA XXXX I immediately called the XXXX number for XXXX to report the fraud. They locked my XXXX account. I told them the items had not yet been picked up ( That's what the emails were telling me, I rescued quite a few that day ) The XXXX associate advised not to worry, they would handle it. 

-As soon as I got off the phone I called my Barclays card. I reported the fraudulent transaction. They canceled my card. 

XXXX ( A little over a month later ) I received a letter from Barclays saying they had investigated the incident and they it was not fraud as XXXX provided evidence that the items were picked up. ( Not something I'm disputing, I just said it wasn't me and I never placed the order ) I rang Barclays and filed another complaint. They re-opened the investigation. 

XXXX I spent XXXX on the phone trying to contact anyone that would help me at XXXX. Three hours later I was able to speak to a lady who identified herself as XXXX. She listened to my entire complaint and advised she could see that I had called in and filed the report on the XXXX of XXXX, but could not see that anything was done about the complaint, or that it was even forwarded to the fraud department. She told me it would be forwarded to the fraud department and that someone would contact me. I asked her to email me some proof that I had spoken to her, since I had no proof of the original complaint. She sent me an email on the same day advising she received the complaint. I have the email. 

XXXX I received another letter from Barclays advising that the purchase was not fraud, as XXXX provided them with a document that the items were picked up and the purchase went through. I tried again to tell them I was/am in Oregon, and did not place the online order and that someone fraudulently charged my card and picked up the items IN FLORIDA even after I called XXXX immediately XXXX have them stop the pick-up. AND I called Barclays and immediately cancelled my card. Barclays representative said that unless I have proof that it was not me that made the order, they can not do anything. I am stumped. How can I provide that proof? It's as if they want me to find the perpetrator and drag them to their office and force them to confess to fraud.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: NC
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:
Since filing my last complaint against XXXX XXXX which was allowing a person too retrieve a loan under my credentials and one of my credit and my good name since then I have a litigation attorney dealing with it and we sent dispute letters to all three credit reporting agencies they fixed some of the things but they have a whole lot of inaccurate items that there phone on my credit report even after I sent the dispute letters and had items that wouldn't fix and corrected causing me to not to obtain credit and financial hardship because I can't get obtain my credit report and there are still a lot of hard inquiries and soft showing even after I sent and dispute letters for my attorney I really ask that all three credit reporting agencies fix all those inaccurate things and compensate me for all the struggle because I can't obtain the credit because of these things I ask that they fix these things immediately before I become homeless because I really need to apply for credit on my own so I can come stable again and regain my good name these agencies are XXXX XXXX and Experian

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 2023-08-24
Company: Experian Information Solutions Inc.
State: SC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX  XXXX Balance Owed : {$35000.00} XXXX XXXX  **** Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX  XXXX XXXX Date Opened : {$360.00} XXXX  XXXX Balance Owed : {$35000.00} XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX  XXXX Balance Owed : {$35000.00} XXXX XXXX Balance Owed : {$0.00}

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 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was notified of a collection acct from XXXX  & Transunion credit agencies. I disputed the acct with both companies this XX/XX/2021. After both agencies investigated, the acct was deleted from my records ( the collection was for XXXX {$220.00} ). In XX/XX/2021 I received notification again from another collection agency for the same ( XXXX {$220.00} ), I disputed the acct again. XXXX  deleted the account again, but Transunion did not. I called Transunion and explained it was for the same XXXX  for the same amount just a different collection company, I asked them to look in my file for the prior dispute from XXXX, and they had a record of it, I was told to re-dispute it, so I did explaining all above. I just received the dispute results, after their investigation they verified its correct. Which its not, just because I lived at an address does not mean I ordered, used or paid for any services, as I explained in this dispute I did not. I chatted with Transunion asking for a written copy of my prior dispute in XX/XX/2021, they said they can not provide that. They sent me a one-time notice via email that I could and did see the finalized original dispute, I did not know I would have such limited access to my information. The dispute was filed online, I have no paperwork trail. I'm trying to fight a collection on my report that is not mine and feel this is an important document. Should I not have access? I asked for proof that I ordered, used or paid for this XXXX  ... ..of course they did not supply that because they can't. I do feel I should be able to obtain a written copy of a dispute. I know its not a huge amount but its affecting my credit. Thank you for your time and helping me with this.

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 2023-08-31
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have 5 Parents Plus loans serviced by EdFinancial. 
I am trying to arrange priority of payments according to interest rates, but the EdFinancial website does not provide that information. Additionally the EdFinancial website does not provide the formula and/or calculations for my monthly payments. Given the widespread reports of student loan servicing companies miscalculating monthly payments, I want to verify that their calculation is correct. 
EdFinancial does not respond to my email inquiries.

The EdFinancial chat feature does not work. 
The telephone number either cuts the call after an outgoing message saying there is too much volume or has hold times in excess of 2 hours. 
EdFinancial is refusing to provide necessary information regarding my loans. This predatory practice is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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 have contacted Equifax multiple times in order to correct erroneous information found on my report. The first time they replied with a stall tactic email stating they did not believe the mail was from me even though I accompanied the mail with copies of identification and proof of residence. After sending multiple letters requesting that my personal information be updated and any other information taken off of their platform I was simply ignored. I am requesting this due to privacy reasons and the fear that my information will be used fraudulently. I have also requested the specific submittal of information on how accounts were verified, as in with whom, when, where, how contact was made. These request were also ignored. I have requested that if verification of these items can not be produced, then to removed them from my credit file immediately. This has also been ignored. The last round of letters I have mailed to Equifax were mailed out on XX/XX/2023 and XXXX certified mail tracking shows that they were delivered on XX/XX/XXXX, and XXXX 2023. These letters were sent out XXXX certified mail and I am able to provide tracking. The credit reporting agencies have an obligation to consumers to report any and all information correctly and truthfully. Equifax has not been doing that for me at all, and has simple just ignored my request for investigation into these accounts. I have attached all documents sent to Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
XXXX bungled their process by stopping auto-pay during their pandemic assistance earlier this year. I filed a complaint with you already and you closed it without resolution. XXXX. XXXX sent a 14 page XXXX XXXX that did not address the complaint. They stopped autopay without my consent and provided no notification of any kind by telephone or email before cancelling my account, putting me in collections and reporting me as delinquent after nearly 40 years as a customer with a perfect record. It is an absolute embarrassment, and your agency accepted their answer without any follow up or discussion. The terms were not clear, phone agent had heavy foreign accent and we assumed everything was fine. Then they treated us like we were 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 2023-03-09
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:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$810.00}.

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 non-monetary relief
Consumer complaint received 2021-12-07
Company: Genesis FS Card Services, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Genesis FS Card Services offered me to close my account for a payment of XXXX dollars and to lower my interest rate to 0.00 Apr once closed and to only charge 2 % minimum to keep as hardship program and to keep this from negative reporting they have taken the XXXX dollars to start the program but actually never sent me anything on the program. And I am at a point to sue. In small claims as this is not a large charge card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bought earbuds on XX/XX/18. I waited about 3 months and contacted to the merchant. The merchant said that they are going to send the product asap. But another 2 months later, i still did not get the product. I called the Bank of America and report this transaction. and the associate helped me to dispute the transaction. After a month later, I got letter the Bank of America could not dispute this transaction due to their timeframe.

But I still did not get the refund or the product.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: NV
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 account name XXXX consumer acct number # XXXX XXXX XXXX XXXX acct number # XXXX has violated my rights. 
15 USC SECTION 602 states i have the right to privacy.

15 usc 1681 section604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written instructions.

15 usc 1666b : a creditor mat not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-09-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023, I made a payment for the full balance owed. However, Venmo Credit Card sent me a message stating that there was an error and the payment did not go through. When I tried again, the payment went through for the full balance. However, Venmo Credit Card took TWO payments, even though it sent me a message that the first payment did not go through. Venmo refused to cancel the duplicate transaction and said I had to wait 7 to 10 days for a refund check, which I did not receive. I had to call again today, and now they are saying I have to wait another 7 to 15 days. Venmo refuses to refund my money promptly or pay interest for holding my money without authorization. Meanwhile, if that were a balance I owed, I would have to pay interest to Venmo. I never authorized the duplicate payment. Because of Venmo 's error, it should have cancelled any duplicate payment that it charged, or otherwise if it had to send a check, then it should be overnighted to my address. I should not have to wait a month for a refund of money that I never authorized Venmo to take. Additionally, Venmo should pay me 29 % interest for the time it held my money without my authorization, as that is the percentage Venmo charges its customers.

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 2017-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I had an overdraft protection feature on a checking account opened in XXXX of XXXX at XXXX XXXX XXXX. I was XXXX at the time. In XXXX of XXXX it was reported as late and due to me being young and not financially sound I did n't pay some overdraft fees that totaled XXXX dollars. Several years went by and as a worked toward my professional career I wanted to get my credit in order. So in XXXX of XXXX, I checked all my reports and saw this XXXX charge I knew nothing about not remembering what it was from. I paid it immediately. However, my XXXX and FICO report is showing that I failed to pay for years which equals 65 months of failure to pay status on my report. This is literally tanking my credit over 250 dollars. The worst part is that due to the timeline it would have been better for me to never pay it off and just let it fall off my report after the 7-year limit but I thought I should pay what I owe. I do n't think it is fair to have 65 failure to pay statuses on my report when the bank writes off as a paid profit loss and then I proceed to pay it when I learn how to manage credit as a young adult. I do n't think it 's fair for the life cycle of this account to restart since I choose to pay off what was owed instead of letting it fall off the report. It 's doing a ton of damage to my report over 250 dollars from a XXXX. And again I PAID IT BACK in full to the original creditor.

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 2023-02-25
Company: Mandarich Law Group, LLP
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a debt collection notice from Mandarich Law Group LLP stating that they were attempting to collect an alleged debt. Pursuant to Title 15 U.S.C 1692e ( 3 ) no debt collector shall give the false representation or implication that any individual is an attorney or that any communication is from an attorney in regard to the collection of a debt. Furthermore, if so, it is illegal for an attorney or official of the court to act as a debt collector. As a consumer this is very misleading to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
That my wife and I are victims of predatory lending practices, and naive/gullible targets of   XXXX   home mortgage scams. The unscrupulous methods of lenders compelled us to file chapter  XXXX  bankruptcy that ultimately lead to our property put on short-sale/foreclosure.   In addition, the property is no longer in our possession and has been physically occupied by Carrington Mortgage services of  XXXX , California.  Carrington  Mortgage has been lackadaisical in dealing with entire issue especially getting our names off the deed. Such that utility companies and home association stop sending bills for utilities some of which already been turned over to collection agencies destroying our good credit.   In the past year or so,  Carrington  employees  (   XXXX   XXXX  or  XXXX   XXXX   XXXX  ) have been contacted by phone, email and fax and advised to have our names removed from deed. Also utility bills have been forwarded from time to time and they instructed to have home insurance updated in the company name.   Utility companies and their collection agencies advised to forward future bills to Carrington for direct payment.   Since Carrington also broke into the property,  XXXX   XXXX  sheriff office was also made aware of the development

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: FL
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 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 an account without my written instructions.

In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Payment reported lated on XXXX

Company response to consumer: Closed with explanation