BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: BARCLAYS BANK DELAWARE
State: TX
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:
On XX/XX/23 I purchased airline tickets for me and my from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The purchase was for {$1500.00}, the XXXX XXXX XXXX XXXX associate informed me that I had to pay for each bag hat my family planned on taking for the trip. I paid for two bags to the destination, and paid for two bags back to our home city. However, the associate overcharged me by {$590.00} for luggage. XXXX XXXX refunded me {$270.00} to my XXXX, but said that Frontier would have to refund me the other {$270.00}. I tried contacting Frontier 's customer service on several occasions, but I either got a bot, or the person in the chat could never find the info for my refund. On the day we were going to our destination, we asked abou our refund at the luggage pickup desk, and the manager said that he could not find anything referring to a refund in the " notes ''. He handed me copied QR code for customer service, and said contact them. I tried contacting them on my trip, but I got the same results. Also, we were charged {$120.00} for an overweight bag. They had no prices posted for overweight bags or any other charges that you could be charged. He charged us {$120.00} for overweight bags, but the receipt only showed a {$100.00} charge? We were also charged other inconsistent chages for bags on the way back home. They charged us another {$150.00} for overweight bags, which is inconsisentant from what was charged on the day we flew to our destination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: REGIONS FINANCIAL CORPORATION
State: FL
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:
Received a fraud alert from credit company for possible fraud activity. They asked if I had made 4 purchases with credit card. I said no. I did not have a stolen card because it never left my possession. They closed the account and issued a new card. The problem is that they put the 4 purchases on the new card. They said it will take 30 days to make a determination. Dates were on XX/XX/2022. They were for {$100.00} XXXX XXXX XXXX. I believe they were in XXXX XXXX. I live in Fl. and have not left the state in many years. Extremely hard to reach credit card fraud dept of this co. Sometimes you are on hold for over 1 hr. They never call back. I call for update and am told they are looking into it. After all, they alerted 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 monetary relief
Consumer complaint received 2022-12-27
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: MD
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:
I have reached out to the XXXX different credit bureaus for them to update my address correctly and they still have not completed this information. I have sent in numerous documents to correct my address and they have refused to change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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
Consumer complaint received 2022-12-27
Company: Bread Financial Holdings, Inc.
State: CA
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 called numerous times, sent 3 certified letters. 2 stating facts that I have not received credit for return which a credit was issued for back on XX/XX/2022. Finally got a letter from them dated XX/XX/2022 stating they needed documentation of the credit. I sent 2 letters from company stating the purchase AND the return credit being issued, certified again. Have called, no reply. They owe me {$210.00}. ( The original purchase was made on a card I lost, but they immediately replaced it. I sent them both card # 's. ) I have copies of all letters & receipts for certified postage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-27
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account ( {$590.00} ) was disputed and investigated twice before, 1st time with Credence Management on XX/XX/21 in which it was closed and removed after discovering that the services rendered from XXXX XXXX XXXX were to a California address. I have never lived in California. The second attempt to collect this dept ( {$590.00} ) was from a company called XXXX, I believe that they were associated with XXXX XXXX XXXX. This second dispute took place around XX/XX/21. I believe this account was sold or passed along to XXXX by Credence Management. This account was also deleted from my credit report after they deemed that it was not my debt, because I have never lived in California. I also remember filing a fraud report through CFPB ( Consumer Financial Protection Bureau ) for XXXX XXXX XXXX, and also for XXXX XXXX and XXXX. Even after all the investigations, and having the account closed and removed numerous times, this company still manages to try to tie it to me via my credit report and trying to ruin my credit in the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2022 all of my loans that were with Fedloan were moved to XXXX. They moved all the loans but XXXX  stayed on my credit report under Fedloan, so I essentially have doubles of those loans! It adds about XXXX to my collective debt. I tried calling Fedloan but have been unsuccessful getting ahold of anyone and normally it just says I no longer have an account with them and hangs up. I spoke with XXXX and they said it might just take a couple of months to get it off my credit report however it has now been almost 6 months and they are still showing up. I also have tried to file a complaint with each credit burearu and still the problem has not been fixed!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EGL US, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have been trying to reach BMG by email and phone for 10 day. I have been constantly on hold 5 plus hours no one picks and also no response to my emails. I sent duplicate check first one canceled because it was not endorsed and I received a second check mailed to them. I was trying to relay the information and also receive proper payoff.Chat doesnt work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Cascade CISS Holdings, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I notice multiple inquiries from unknown sources on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: National Medical Administrators, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i received a letter in the mail which stated that i had a debt to pay. Hhowever i do not recognize the creditor and i am sure i do not have any debt that would be lead me to collection. I visited the website that is found on the letter and i seems like scams, so i want to report this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Global Lending Services LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've contacted the below companies that's listed on my credit report as a credit inquiry, to have them provide me with WRITTEN PROOF, bearing my signature, authorizing them to access my credit report, since I have been a victim of several identity breaches recently. 

They have FAILED to provide me with the requested information, see their responses. 

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 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
Consumer complaint received 2022-12-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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: Investigation took more than 30 days

Complaint:
I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days investigate and send me the results.

And They also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.f

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Good afternoon, unfortunately I believe I am a victim of identity theft. My information has been compromised and used to obtain goods illegally on my behalf. My credit is completely destroyed and I can't even get approved for a car now that mine broke down. The accounts that I suspect are fraudulent are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX  and XXXX XXXX as well. Please help!!

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 2022-08-13
Company: Experian Information Solutions 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$5500.00} XXXX XXXX XX/XX/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 2023-07-15
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or about XX/XX/2023 I wrote a check from my business account to pay my landlord for the lease. I personally dropped the check in a XXXX mail box at the XXXX location in XXXX, California. The check was stolen and cashed by some individual over at XXXX XXXX XXXX on or about XX/XX/2023. I found out because I received a call from the fraud department from XXXX XXXX XXXXXXXX. I told them the check was not supposed to have been cashed by anyone other then the intended payee, a business with the name of XXXX XXXX, XXXX who does not bank at XXXX XXXX XXXXXXXX. The fraud department at XXXX XXXX XXXXXXXX told me to file a report with my banking institution XXXX XXXX Bank XXXX ), they also denied any more information as to how, why, when and who cashed the check. I immediately file a claim in person at the local Union Bank MUFG branch located at XXXX XXXX in XXXX California. I was given a few affidavits for both me and my landlord to fill out, have notorized and return to them. XXXX XXXX, the branch manager at Union Bank, handled my claim personally and he gave me and also took back the completed affidavits from both my landlord and my self. I was told to wait 30-60 days for a refund. 60 days passed and there was no refund, no formal communication ( mail or email ) of any kind or news on my claim. I then went back once again to the Union Bank branch to get an update on my case and was told that apparently Union bank had already done everything on their end and was now just waiting to hear back from XXXX XXXX XXXXXXXX, who apparently had another 60 days to resolve the claim and finish their investigation. During those 60 days US Bank acquired Union Bank MUFG. I believe the 60 days were already up this last XX/XX/2023. Up until this day I have not received a refund nor any kind of status or update on my claim. Every time I call to inquiere about my claim Im always given excuses and cant get any update or resolution to my claim. I believe Im entitled to at least a temporary credit of my stolen funds {$2800.00} since I was a victim of fraud and have done everything in my power to facilitate the banking institutions investigations. XXXX XXXX XXXX should not have accepted a check that was clearly written out with a payee that is a business banking somewhere else, a check that was not addressed to one of their customers and Union Bank shouldnt have release my funds to anyone else other than the intended payee who was clearly written on the check. Both banking institutions, XXXX XXXX XXXXXXXX and Union Bank needed to do their due diligence on checking the identity of the person cashing the check in order to prevent fraud as a normal business practice.

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 2020-03-03
Company: EQUIFAX, INC.
State: CA
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 am a XXXX  XXXX Veteran with a VA mortgage with XXXX XXXX. We have never been late or missed a mortgage payment. On XX/XX/XXXX, my families home was completely destroyed in a fire, unrelated to a Federal Declaration. Upon inspection we were informed that the home would take upwards of a year to be rebuilt and due to misinformation given by XXXX  insurance department we found out that we lacked homeowners insurance and are responsible for paying for the rebuild out of pocket. We immediately contacted XXXX  and requested information on assistance or options to avoid losing our home and were directed to apply to loss mitigation. We submitted the application and documentation due to the extreme hardship and additional costs related to rebuilding our home, paying for temporary housing in the interim and replacing everything in the interim. We were approved for a special forbearance plan effective XX/XX/XXXX that suspended all payments for 7 months and were directed that if more time were needed to submit a letter with the request. Prior to and after the approval we were asking XXXX  staff how the loan would be reported if we were approved for a loss mitigation plan and were told that XXXX  would report that we were in a payment plan due to a disaster, but once the plan was in place XXXX  has only been reporting that we are in default and not that there is a approved payment plan in place and agreed to due to the disaster we experienced. As its being reported presently, it looks as if we are simple not paying our mortgage. 

Ive contacted XXXX  multiple times since XX/XX/XXXX to discuss how they are reporting to the bureaus, requested that they amend and/or correct the information and Im not getting answers or responses to my requests and questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Omega RMS, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OmegaRMS is reporting a collections account for {$3500.00} on my XXXX  report. I contacted them and they went over settlement options, I however wanted them to validate the debt before I made any payment to them cause I do not believe this was my debt. My wife and I are trying to buy a home and this is adversely affecting my credit. I have yet to receive any form of validation. Again, I am requesting debt validation in the form of a copy of the original application that includes my signature. Full payment history from the original creditor. The original agreement showing they can legally collect the debt. I will also need a copy of the purchase agreement. And finally, I am requesting a copy of your bond that shows you are legally registered in my state. It is unfortunate that debt collectors can do this. I am XXXX XXXX as well and they have no regard to those have served  our country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX XXXX Act. # XXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. # has violated my rights. 

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

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

Company response to consumer: Closed with explanation