BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-25
Company: BARCLAYS BANK DELAWARE
State: NY
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:
My complaint is against Barclays Bank. 

I have a XXXX XXXX Visa card. 

Today I received an announcement from Barclays that the XXXX XXXX card will be converted to a Barclays card. 

I have no relationship with Barclays and do not wish to have a relationship with Barclays. 

The announcement says that even if I refuse to accept the change, they will issue a new card anyway, and then close it. 

Here 's the exact wording : " Even if you reject these changes and we close your account, your account will still be converted to a new XXXX XXXX XXXX Mastercard from Barclays and you will receive a new credit card ... .. '' I do not want a new account to be reported to the credit bureaus. 

Barclays has no right to force a new account upon 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 2023-02-24
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. [ accounts/items ] XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$260.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX 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
Consumer complaint received 2021-07-24
Company: Early Warning Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My Name is XXXX XXXX I am a new immigrant to the united states, I have been settling for about 6 months, during the period of the spread of the covid 19 pandemic, the majority of proposals to work have been online, and this is how I had a proposition through the face book, attached all the discussion since the beginning. 
I had a proposition to work with XXXXXXXX XXXX XXXXXXXX company for a position XXXX XXXX remotely, the job request some devise and software so they send me a check with XXXX to purchase the necessary materials .I have receive a check next day with an amount of {$3800.00}, I have try many time to deposit the check online with my banking App of XXXX XXXX  XXXX XXXX but it was rejected, after 30min My supervisor told me to deposit directly inside the branch of the Bank XXXX Next day the check was returned. I was surprise how a big company like XXXXXXXX XXXX XXXXXXXX doesnt have money for this amount .... 
The most big surprise is when XXXX XXXX XXXXXXXX close my two account checking and saving account, I cant understand what is my mistake. 
My Proof The XXXX letter with the tracking number that I receive the check inside A copy of check and The receipt that I deposit the check inside the bank All the discussion in the messenger and the email from this company All the claim that I have do it with my calling of XXXX XXXX XXXXXXXX and my appointment to discuss and trying to resolve this issue no not succeed yet. 
I want to be remove all this information from the XXXX XXXX and Early Warning Service and be clear off. ( Credit Reporting Agency )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: EQUIFAX, INC.
State: NJ
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:
Back in XXXX my wallet was stolen and I recently in XXXX noticed things on my credit report that are not mine. My wallet at the time had a debit card, social security card, and Identification Card. I filed a police report lately after noticing these accounts because I was purchasing my first mortgage. I have reached out to all three credit bureaus and nothing has been done at this point. I have also filed a FTC report as well. I have done all the necessary steps to get this resolve and need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: JPMORGAN CHASE & CO.
State: TN
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 filing my original complaint with the company about the two issues I had the man who called me argued with me to try and do his job for him, he asked me specific dates regarding the calls where they wouldn't take my payments and the call where the company told me because I was XXXX I can do a repayment plan and they would fix the credit report which never happend again and again.. This man basically told me he needed specific dates from years ago to review the calls and said he would need proof and more information regarding my XXXX.. to my knowledge you already accepted my repayment plan in the beginning and YOUR company told me something your company now refuses to honor.., its his job to go and review those calls not myself and it was over 4 years ago how can i give you a specific date from 4 year ago i gave you a date range why don't you go do YOUR job and review those call periods?? .. he told me " no he wouldn't be doing that ''?? it's a simple request and he refused on all grounds and told me it wasn't his problem that the company they sold my loan too didn't have the forbearance documentation from covid.. well whos fault is it mine?? I never even signed a forbearance plan YOU just said I'm on it and i don't need to make payments.. So after you refused to take my payments and when you did sell the loan you just happen to forget to mention the most important part of the loan? I don't believe that was a mistake at all ... and I was forced to pay a Lump sum to the XXXXXXXX XXXX XXXX  to keep my house which I also found out was not true from this website where is says you have to offer payment plans.. i was never offered anything like that, I was told pay or good-bye house..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
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:
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate attention and should be delete asap.

XXXX/XXXX  IN THE AMOUNT OF {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
We took out a loan through our local community for home XXXXmprovements such as double paned windows. The loan was sold to Santandar bank many years ago.

We attempted to pay what we owed, but they are telling us there is a recording fee. From memory the recording fee was {$25.00}. 
Santandar has given us at least three different recording fees. When they send us a monthly bill, we pay it, they deposit the check, and then cut us a check in the same amount. We have not deposited any of their checks to us. 
Three weeks ago I asked a Santandar representative for a copy of the contract, they have not provided a copy of the contract. 
I have contacted the Pennsylvania State Attorney General office and they have not heard back from Santandar. This is well over a month.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The information reported on my consumer report is not accurate, complete, true and accurate. Reporting such information is misleading and a direct violation under the Fair Credit Reporting Act.

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 2021-07-24
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The debt collector by the name of XXXX XXXX ( " XXXX '' ) who falsely identifies himself as an Attorney which violates 15 U.S.C. 1692e ( 3 ) took legal action against me for a consumer credit transaction that I initiated for a credit card on issued by XXXX XXXX XXXX XXXX ( " XXXX '' ). I am the original creditor for the consumer credit transaction. XXXX furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them. I did not give XXXX my direct consent to share my private identifying information with anyone. XXXX also did not have the permission from a court of competent jurisdiction to communicate with XXXX. This was all done for monetary gain and greed. XXXX took legal action against me by filing a lawsuit against me. XXXX and XXXX took legal action against me in a county I did not reside in. XXXX nor XXXX has authority to take any legal action against me pursuant to 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. He requested a default judgment against me and my wages were garnished. This is my second run in with XXXX taking illegal action against me. Now my private identifying information for my former name appears on a court docket which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 70 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 70 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My disputes are not being processed correctly. I have been a victim of identity theft and I sent the FTC report to the credit agencies. They are not attaching the paperwork I filed according to the FCRA. And I am not getting copies of the verification process per the FCRA>

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 2023-05-18
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert from my IdentityForce protection on XX/XX/2023 notifying me that a debt collection agency, AR Resources , Inc. had put information on all of my credit reports regarding a {$1900.00} collection which I was NEVER contacted about by phone, email, letter, etc.! The only thing I can think of that this may be associated with is a hospitalization I had last XXXX which was so botched and traumatized me so much that I consulted with an attorney who advised me to file a complaint with them and wait for their response before going further with him and filing a lawsuit. I did that and received a letter back stating that they were looking into all of my complaints ( as there were many ) and would respond within 30 days. 

Well, they NEVER responded, but they never sent my any bills from the hospitalization, so I thought this nightmare was over until this AR Resources put a collection on my all of my credit reports without my knowledge! 

How is this possible? A company can just add something to your credit report without notifying you and without your knowledge?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX has reported two invalidated accounts on my credit report XXXX who is now in Dishonor for refusing validate an alleged debt which has been charged off. XXXX has refused to show proof of original creditor as well as ledgers proving this alleged debt was not funded by my consumer signature and social security number. 

2.LVNV funding ( Resurgent ) XXXX XXXX XXXX XXXX  XXXX Is in dishonor for refusing to validate or show any lawful contract in obligation to an alleged debt as well as XXXX XXXX XXXX XXXX Having any claim as original creditor by refusing to validate through proof of ledgers and proving consumer borrowed any lawful money and that it was not fraudulently created and funded through consumers social security card and or signature XXXX  is also publishing false information of addresss and names XXXX XXXX XXXX XXXX XXXX XXXX not even a real person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: WLCC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/XXXX, I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). I have resent the XXXX XXXX XXXX to Initiate Electronic Funds Transactions to Explore Credit on XX/XX/XXXX. I also filed a complaint with your department on XX/XX/XXXX, for the unauthorized debits to my bank account. The complaint ID is XXXX. Explore Credit responded that there was a system glitch, and would be refunding the payment of {$680.00} and {$50.00} After all of this, again, on XX/XX/XXXX Explore Credit has taken yet another payment of {$50.00}. This has caused a great amount of financial stress. Im not a lawyer but isnt it illegal for them to take any more payments after the XXXX XXXX XXXX to Initiate Electronic Funds Transactions has been given to them?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: Self Financial Inc.
State: IL
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 contacted this company to start a credit card credit line to help establish and build my credit after a very many problems I close the credit line and when I accept it to close a credit card the company refused to initially close the credit card and now they are still actively charging you interest on a credit card that is closed down but they refused to open back up so that I can gain access to successfully restore the card and it's a good active standing having to pay interest on a car that I have no way of tracking or activating is absolutely absurd especially being at this was a credit card that was supposed to help build my credit yet at this point it is purposely tearing down my credit. I would add they are adding late fees and interests without providing me any direct statements of such as well. I dont know how they can charge fees that are more than what the principle balance is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
USAA Bank has notified members they will be 'retiring ' their remote deposit service known as Deposit @ home that allows members to scan a check and submit it for deposit via a computer. They now say we must use a mobile phone or USPS mail neither of which is as secure as the current method. They also say we can use an ATM, but there are few that accept deposits and those are not convenient. 

The Deposit @ Home program must NOT be dropped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: ORG GC GP Buyer, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was never sent any communication regarding a debt that I was claimed to have owed. I did not receive any info from this company until my federal taxes were offset. When I was made aware of the situation I contact the XXXX  and was provided this company 's information. I contacted them and verified the debt and that was back in XXXX. I have since been attempting to make a payment arrangements on said debt but it is nearly impossible. They ask for information that I have mailed to them, three times. I had not heard anything back so I called them to see what was going on and was told that I had until XX/XX/26 to provide the information that they already have. The csr 's are of little to no assistance and it truly should not be this complicated to pay a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: SYNCHRONY FINANCIAL
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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