BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
XX/XX/2022, my wife and I took a flight on XXXX XXXX flight # XXXX from XXXX to XXXX. On that flight we were offered XXXX airline miles to take out a XXXX XXXX  Card with Barclays bank. Also there was a bonus XXXX miles for entering a XXXX digit code, that was hand printed on the back of the pamphlet. We accepted the pamphlet and took it home. 
On XX/XX/XXXX we went on line to the credit card website, XXXX and successfully completed the application and received an approval. 
We made our first required On purchase on XX/XX/XXXX that would initiate the transfer of XXXX miles to my XXXX XXXX account. 
To our dismay, we only received XXXX miles, not XXXX as advertised. 
On XX/XX/XXXX, I called Barclay 's customer service. The front line representative could not solve my problem so I asked for a supervisor. He issued me a case # XXXX. I was transferred to nice lady who said she could help me. She requested that I send photos of the front and back of the pamphlet to XXXX. I stayed on the line and she verified that she had received the photos and Barclays would respond to me within 3 days. 
I received a letter from Barclays on XX/XX/XXXX stating that " We're currently unable to assist you with your Rewards Issue '' Please call us at this XXXX number for details. I called the number on XX/XX/XXXX and was told there was no option except to issue another complaint. 
I then called XXXX XXXX customer service on XX/XX/XXXX. They called Barclays on my behalf but were told that the pamphlets were old and the offer was out of date and all I was entilted to was XXXX. 
My complaint is that the offer was fraudulent if I was given a out of date pamphlet and they should still come thru with the miles.

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 2023-07-14
Company: Moore Legal Group, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
On XXXX I entered into an agreement with meadow brook legal group to handle my debts and represent me if I should be sued. Unbeknownst to me and due to deceptive marketing and advertisement tactics from XXXX XXXX who assured me the grand benefits of the program ensured me that my debts would be settled in 6-9 months and that skipping payment was ok if I experience any hardship. Little did I know they took upfront fees and that if I skipped payments it would pull from the previous months funds never aiming to pay off my debts. However, I was assured again that regardless if sued I would be getting the least legal advice and an attorney to give me legal advice on where to go next. The attorney in the program said he had no idea how to even file a court filing to contact meadowbrook as that is what I am paying for and even agreed that meadowbrook is deceptive in telling me they would help me as that was services I was paying for. However, every time I kept getting a different answer. After trying to get a refund I was told I only XXXX cents in reserves so that basically my only refund was the skipped payment of XXXX dollars and change which I still have not received. After 8 months of payments and no help they would not return my XXXX dollars in escrow because those are fees " rendered for services, '' My question is what services. Have they communicated more efficiently and told me they would not represent me I could have negotiated my own debt sooner. They also rushed me into signing my contract with manipulation and a notary to notarize a paper in a rushed manner as if I was taking too much time. I never felt so shammed in my life. Also, XXXX just called me one day out of the blue explaining how much this program could help me. I should have did more research but I trusted them as a " law group, ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, 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:
I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file To all 3 credit bureaus. As i was a victim of identity theft. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA as well. 

Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), Account : XXXX Creditor : XXXX XXXX, Account : XXXX Credit Inquiry from XXXX - XXXX XXXX XXXX Info : Type : XXXX XXXX- XX/XX/XXXX Credit Inquiry from XXXX XXXX XXXX Inquiry Info : Type : XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/2023 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Inaccurate Information on Credit Report Re : XXXX ( XXXX ) To Whom It May Concern : I am writing to dispute inaccurate information on my Equifax credit report. This report shows an outstanding debt owed to XXXX XXXX XXXX XXXX ( XXXX ) that does not belong to me listed by XXXX. 

This debt has been inaccurately reported in the past. I have disputed this before and it was subsequently removed from my credit report. However, it has now reappeared. This account does not belong to me and I request that you immediately delete it from my credit report. 

I Please investigate this matter and make the necessary corrections as soon as possible. 

Under the Fair Credit Reporting Act, I am entitled to a response within 30 days of receipt of this letter. Please send me written confirmation that this erroneous debt has been permanently deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Checkr background check company has financially damaged me. They have taken a paid fine and reported it on my credit report as unpaid. And it has now impacted my ability to work for XXXX. XXXX is refusing to help. There is nobody to reach a chucker. I have sent multiple emails and they even violated their own policy and deactivated me before the 10 days but they said they were going to give me. 

I have talked to the XXXX XXXX clerk, and I have proof from the XXXX as well that this has been paid and satisfied. This is defamatory and is violation of the fair credit act and I want my {$1000.00} for the violation. I want my credit report fixed. This is creating a image of me that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent.

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 2023-07-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XXXX my late wife and myself started the process of trying to sell our house at XXXX XXXX XXXX  XXXX, XXXX WA XXXX ( owned XX/XX/XXXX through XX/XX/XXXX ). After a few months it was clear the only way the house would sell was with a short sale. We were told to " keep making your mortgage and 2nd mortgage payments because it will look better to Wells Fargo '' by a misinformed real estate agent and a Wells Fargo employee. As we were having an agent continuously submit multiple offers on the house to Wells Fargo for the next 9 months, they continued to deny any consideration of offer for a short sale- as we found out by XXXX of XXXX ( almost a year after first starting the process ). I was told by an employee of Wells Fargo when I called to find out why another offer had been declined. They said " As long as you keep making payments we have no inclination to accept any short sale offers ''. It was at this point that I reached out to my Congressman ( XXXX XXXX of Washington XXXX ) and his team found out that Wells Fargo had not been working in our interest to resolve our short sale as required by the conditions the government set out for the bank bail our in the previous years when the economy crashed ). We paid those mortgages for over XXXX  months through that process ( and the whole 8 year time frame of ownership with NEVER missing a payment or late until all this ) - all the while Wells Fargo was not working in our best interest - and only AFTER our congressman started looking into did Wells Fargo finally accept an offer - once they realized they were now having to answer to the government for their actions. This was all post-bank-bail-out. The reason I am submitting this complaint is to see if I am entitled to remediation for what we went through ( myself and my now-deceased wife ) because Wells Fargo did not work in our best interest - taking a toll on both mine and my late wife 's health and dragging the process out until our congressman looked into it. Wells Fargo even admitted to us they had no intention of helping up work out a solution UNTIL the government got involved. Please let me know. I appreciate you time regarding this process. Thank you. Please note all documents have addresses now out of date for myself.

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 2023-06-22
Company: EQUIFAX, INC.
State: CA
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, these companies has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: IL
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 ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Last spring I needed to check my credit score to get approved to rent an apartment while at college. I was told that experian gave a free, one time report which was all I needed. Nowhere that day did I want to become a member, especially since I was unaware they were extracting {$24.00} a month for an account I had no idea was running. Very rarely do I check my credit activity because I don't use much banking. Recently, I got recent credit activity and they've been taking that {$24.00} a month since last XXXX. I've tried countless times to cancel my account and they have never gotten in touch with 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 2023-07-30
Company: Experian Information Solutions Inc.
State: IN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Convergent Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-07-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I believe my car loan falls under the Wells Fargo settlement. They have continuously denied I even had an account with them. However I have the proof which I have submitted

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 2023-05-15
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-07-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX, Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATTN : Consumer Affairs RE : Personal Information Amendment To Whom This May Concern, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/2023 there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. Within 30 days from receipt of this letter, insured and tracked by XXXX, the following information needs to be omitted. Please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file... promptly. 

Omit the following inaccurate addresses : XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Omit the following employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a timely fashion. 

Kind Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2023-02-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I reported that my XXXX and XXXX XXXX XXXX XXXX was not accurate that I paid XX/XX/2022 XXXX XXXX and XX/XX/2022 XXXX XXXX XXXX XXXX. I never asked for it to be deleted from my account I asked for it to be updated that it was paid on time. I've called and dispute the months because it was saying I missed a payment but I didn't.when I dispute the months I could not upload documents because the site was having issues. All I wanted was for payment of those months to be updated not deleted permanently. This is stressful trying to reach someone who understands what your talking about and constantly getting hung up on by representatives

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 2023-05-11
Company: Possible Financial Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Possible finance has igorne my emails for days and wouldnt update my credit report and I cant wait until XX/XX/XXXX and I paid this XXXX loan off in XXXX the payment took too long to process and was paid off on XX/XX/XXXX I dont want ever want borrow from them because my credit score is worst and they wont do a XXXX thing about it

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: WI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation