BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-26
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was scammed out of {$590.00} by Barclay 's Card Services and their Merchant partner XXXX. Barclay 's provided a payment platform that allowed XXXX to received credit card payments from consumers such as myself without ever delivering a activated software download. I ordered a XXXX  XXXX   software from XXXX but they never activated the software for my use or benefit. Then XXXX refused to refund my purchase and took refuge behind their merchant agreement with Barclay 's Card Services. Barclay 's claimed that they competently investigated my dispute but they did not. All of their investigator were based outside of the USA and couldn't speak good English and therefore, didn't even understand the nature of the problem. I sent Barclay 's copies of screenshots and emails from their merchant partner showing that the software was never activated by XXXX and that I never received a working product as advertised and described on their website. I requested on numbersous occasions to speak with USA based Barclays employees but got the Run Around and never spoke to anyone in the USA. I have told Barclay 's Card representatives that I will pay my balance down to the {$590.00} but I refuse to victimized their scammer partner and their sham Consumer/Member Protection Policy.

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 2020-10-09
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for XXXX XXXX and had them for at least a year and when my contract ended ( 12 months ). I just let it keep going and I did not commit to another year even though they say I did. I changed my service and they then billed me for {$200.00} " Contract Broken '' fee when in fact I did fulfill my contract! They may have a tiny misleading print that if I don't call them then the contract is valid even after the year I signed up for. I have tried talking to them but they just keep repeating that it is due and now have a 3rd party collection on my reports. As you  can see from the file attached I responded to them reminding them that I had completed my contract and was on a month to month. I would never switch unless I was NOT in a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
After XXXX XXXX devastated XXXX, my mortgage company XXXX XXXXXXXX XXXX XXXX  offered me the opportunity to go on the mortgage relief program with a forbearance for 3 months and resume payment thereafter. I was given specific instructions and I asked specific questions pertaining to my credit score being affected. I was also told by XXXX XXXX XXXX XXXX that when the payment resume, it will be credited to the current month, and the balance resulting from the forbearance will be deferred to the end of the loan. I also asked repeatably, if my credit will be impacted at all, to which they replied NO, multiple times. All these conversations on a recorded call as they disclosed at the beginning of every customer service call Upon completion of my forbearance, I resumed my timely payments. I have evidence they collected the payment on time. However, they credited the payment to the month of XXXX and not the current month as they told me, and they reported me 90 days late and my FICO score dropped XXXX points from XXXX. They told me that my next payment will be credited to XXXX. This situation will create recurring 90 days late. This is incorrect based on the terms of the forbearance I was given. 

I tried to get this resolved with the lender and their research depart but it's not going anywhere. I asked the research department about the process to subpoena the recorded calls, but have not heard back from them yet. 

This is a serious matter and very detrimental to my family 's financial stability. I hope you can help me. 

Kind Regards

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 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a letters in XX/XX/2021 regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. This neglect has tarnished my reputation I take this neglect as harassment I feel like I am 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 fives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-02-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

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

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

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$1700.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the biggest scam in the credit world. 
Legally there is no contractual obligation to pay any debt collector as they have not engaged with me in any contract, nor services or goods exchanged. Its called extortion. No debt collector can legally " validate '' any debt as they have no original signed contract with me, nor proof they have a signed, written agreement with you for an exchange of services or goods. The extortion part is when the debt collector fraudulently post to my credit report, in an attempt to extort money from me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Hi I have a few recent inquires on my Experian Business report that I dont recognize. Multiple inquires `within days XX/XX/2023, XX/XX/2023, and XX/XX/2023 I reached out to Experian multiple times about an inquires from XX/XX/XXXX and the never replied

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 2020-03-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
- XXXX XXXX had a fire on XX/XX/2019. 
- My house was saved but experienced some damage. 
- XXXX, my insurance carrier was very prompt, and did a great job. 
- XXXX sent me a check for {$23000.00} for the windows that were melted and damaged. They made Chase Bank, my mortgage holder, a co-payee on that check. 
- Chase endorsed the check, after I applied pressure, the work was completed, and the vendor was paid for the work. 
- My insurance company sent me a check for {$17000.00} for additional work including wrought iron fence. Some of the work, including cleanup, I did on my own, as it is less disruptive than having vendors who always show up late. 
- I held on to the check, until the windows were done, and I took the proof to the Chase office. 
- Chase now wants to deposit the funds in their internal account, and then make me go through a process, everytime someone needs to be reimbursed. 
- This puts on necessary burden on me and my family, especially during these COVID-19 times. 
- I owe only 43 % of the current value of my house to Chase. I have made all my payments with them on time. 
- I do not want my money held in an escrow account. This puts additional burden on me, during a stressful time. 
- There is no reason to do so, given my percentage ownership in my own property, as well as my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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

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 2020-03-26
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX I entered a hardship program paying {$70.00} per month at 10 % apr I have never missed a payment!!

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 2019-10-17
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 am a victim of identity theft starting in XX/XX/2019. I viewed my Equifax credit report about a month ago, and again a day ago, and there are four ( 4-XXXX XXXX, XXXX XXXX, XXXX, XXXX ) fraud identity theft inquiries on my Equifax credit report that Equifax has failed to delete, even though the financial companies have reported to the credit reporting agencies to delete the inquiries months ago. 

I wrote to Equifax on XX/XX/2019 providing them with documentation supporting the deletion of these inquiries. I sent the paperwork using USPS Priority Mail. They received the information on XX/XX/2019 XXXX. Instead of processing my request, Equifax sent me a canned letter response requesting my personal information, which I have sent multiple times already since XX/XX/2019. What have they done with my personal information? I have previously sent them the XXXX XXXX Identity Theft Affidavit, FBI IC3 filing, and FTC identitytheft.gov filing as well. I even have a profile set up on their system with an identity theft alert. 

On XX/XX/2019 I responded to Equifax sending them my personal information ( again!! ), along with the original supporting paperwork, and a cover letter. I sent the documentation USPS Priority Mail and it was received on XX/XX/2019 XXXX. Again, Equifax sends me a canned response letter requesting my personal information!! I received this letter XX/XX/2019. What did Equifax do with my personal information and supporting paperwork that I sent to them and they received on XX/XX/2019? 

The other two ( 2 ) credit reporting agencies, XXXX  and XXXX, deleted these inquiries months ago, AND I received an acknowledgment in the mail that they had done so. But Equifax has failed to delete these four ( 4 ) fraud identity theft inquiries. 

So, in frustration, I am filing this claim wth CFPB to get this issue resolved, rather than just recieve another Equifax canned letter requesting my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian sent XXXX XXXX a copy of her credit report on XX/XX/2022. I ( XXXX XXXX ) sent Experian 3 dispute letters regarding errors on my personal credit file, enclosed was proof of residence, social security card, and state ID with certified mail in XX/XX/2022, XX/XX/2022, and XX/XX/2022 informing Experian that my personal information was incorrect and that it is their responsibility to make sure my credit file is accurate according to the FCRA Section 623 ( a ) ( 1 ) ( B ). Experian is unlawfully denying my rights as a consumer by not abiding by the FCRA.

Experian 's actions are unlawful because they are violating consumer rights under the Fair Credit Reporting Act ( FCRA ), which states that : " No person may deny any right provided under this section. ''

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 2023-01-19
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems is reporting to credit agency a debt that is not mine, I sent them a mail to send me documents to prove that this debt is mine, They sent me a document with someone else name on it and a address i never lived before. This is Unfair and causing a lot of damage to my credit report and my access to credit. I've attached copy of the mail i received from them. 

I had identity issues in the past and i sent them copy of police report and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I deposited a check in the amount of {$3800.00} using the ATM located at Regions located at XXXX XXXX XXXX XXXX, TN XXXX. The check that was provided to me is from the XXXX XXXX Assistance which helps individuals who are struggling with their rent and utilities. This organization is paying two months ' rent for me and my family which would stop the eviction process BUT Regions has put a 10-day hold on the check-in which I may be evicted. The email that was sent to me from Regions states " If you were not informed at the time you made the deposit that a hold would be placed on the funds, and the item you deposited is eventually paid, we will refund any fees for overdrafts or returned checks you may incur solely from the delay that we have placed on these funds. You may visit any Regions branch to get a refund for such fees.

We are sorry for any inconvenience this may cause. If you have any questions about this notice, you can : '' I was not informed right away about the hold, after speaking with an agent at regions, she explained to me that once I deposit the check into the atm it will post the next morning are if I could make it to the bank before they close, I would be able to receive my funds right then. I did not make it on time so I did what the agent suggested by depositing into the atm. The funds did not post as she suggested, so I called back on XX/XX/2022 and was told by a different agent that they are going to hold the check until the XXXX of XXXX. I asked her why and she explained to me that is unusual for them to hold a check under {$5000.00} but that is what their system is telling her. I explained to her that is the second time this has happened to me at regions.

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 2020-10-09
Company: Experian Information Solutions Inc.
State: MS
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. I have yet to receive an update in regard to the results from the investigation.

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 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Description of the Incident : Over the course of the past year, unauthorized transactions were detected on an XXXX account associated with our business. This was discovered during a quarterly audit, where it became evident that these transactions blended with our legitimate XXXX activity, making them initially challenging to detect. 

Dates and Amounts : The exact unauthorized transactions spanned the duration of the last year. Specific dates and amounts were not mentioned, but the frequency of these transactions increased noticeably over time. 

Actions Taken : Upon realizing the anomaly, we liaised with XXXX customer service for clarification. XXXX then confirmed the existence of a fraudulent secondary account created under our identity. They provided us with a REFERENCE number : ticket number XXXX and acknowledged the issue. 

Subsequently, we raised the matter with Bank of America ( BOFA ) by filing a claim ( Claim # XXXX ). Despite presenting the evidence, BOFA declined the claim. The bank 's reasons for denial seem to revolve around the extended duration of the unauthorized transactions. We suspect an oversight on BOFA 's part, as a representative may have misfiled and misunderstood the scope of the fraudulent transactions. 

Current Status : We are in a precarious financial situation due to the Covid pandemic, trying to manage SBA loan repayments. With BOFA being an SBA partner, their lack of support during this ordeal has exacerbated our financial woes, pushing our business closer to bankruptcy. 

Request : We seek a thorough investigation and resolution from both XXXX and BOFA, hoping for a refund of all unauthorized funds.

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 2023-01-19
Company: EQUIFAX, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation