BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-08
Company: BARCLAYS BANK DELAWARE
State: FL
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:
After the 5th largest hurricane to hit the U.S. happened, I attempted to pay my XXXX card on line, but we didn't have power and it was dark. Stupidly, I continued. 

In error, I made a {$200.00} payment to my Old Navy MasterCard, currently serviced by Barclay 's Bank. The funds were sent via ACH to Barclays, received XXXX XXXX, and posted XXXX XXXX. 

It is important to note that there is no balance on this card, and hadn't been for some time. 

I called Barclays Bank on XX/XX/XXXX and XXXX, but was told I had to wait until the payment posted. Fair enough.

I called today, the 6th, and confirmed my account now reflected a credit balance equal to my payment. 

I spoke to a representative and a supervisor to ask for my money back. I have now been told I can not even begin the refund process until XX/XX/XXXX, which will then take days to process, and then up to ten days mailing time. This is their priced to allow the payment " to clear. '' I explained it was an electronic payment, there is no clearing, and that they have the funds. I further explained my bank advised me that they can not recall the payment and referred me to Barclays Bank for a refund of this payment. 

I further advised that due to the hurricane, we really couldn't wait for our funds because cash had been used due to many merchants ' systems being unavailable after Ian. Having my money back might be the difference between out family eating next week or not - but even this did not move them.

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 2023-07-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A hand written business check, written from a company I own, was deposited on XX/XX/2023, into my Wells Fargo business account, which I also own. 

My check from XXXX cleared the same day of my deposit, XX/XX/2023. 

The fraud department without any inquiry, research, questioning, closed all my XXXX accounts the evening of the deposit, XX/XX/2023 with a date certain. 

XXXX of the accounts has been active with Wells Fargo and predecessors for over 35 years with over XXXX XXXX dollars transacted through this now closed account. 
When on XX/XX/XXXX, I contacted the fraud department what was going on, I was told that my deposit was determined fraudulent and Wells Fargo had a right to close all of my accounts because of my fraudulent activity of depositing a hand written check deposited by my same signature as on file with my XXXX accounts with Wells Fargo. 
Let me repeat XXXX XXXX claim : a hand written check from XXXX business account that I own, that was cleared that night, XX/XX/XXXX, from my XXXX account, Wells Fargo made a decision that that hand written check signed by myself with the same signature on all of my 11 XXXX accounts was fraudulent and closed my q business accounts i forming me that none of these accounts could accept deposits and that any withdrawals scheduled over the balance would be denied. 
No question, no putting the check on hold in order to do an investigation, XXXX arbitrarily closed my accounts causing me tremendous problems. 
I called the fraud dept at XXXX to contact XXXX to confirm that I was a signature on this XXXX account. Wells Fargo informed me that they would not contact XXXX. I had to go to a XXXX retail location and present to their representatives corporate documents demonstrating that I was an owner of the company by including incorporation from the state this account at XXXX was incorporated in. 
This is outrageous.

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 2023-10-02
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below 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 2023-06-28
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: Personal information incorrect

Complaint:
To Whom It May Concern, I am writing to lodge a formal complaint regarding the persistently inaccurate information on my credit reports across all three major credit bureaus. Despite my previous attempts to rectify these discrepancies, my credit history continues to be misrepresented. I urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that the necessary actions are taken to resolve this matter promptly. 

As an identity fraud victim, I have diligently followed the necessary procedures to report the fraudulent activities to the Federal Trade Commission ( FTC ) and have submitted the required FTC Fraud Victim Affidavit. Despite these efforts, the credit bureaus, including XXXX, have failed to correct the inaccuracies that continue to plague my credit reports. 

It is disheartening to see the impact of these errors on my financial reputation and creditworthiness. Therefore, I implore the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their failure to rectify the situation. I have included the supporting documentation, including copies of the FTC Fraud Victim Affidavit and any relevant police reports, to substantiate my claims and facilitate the resolution process. 

The credit reporting system plays a crucial role in our financial lives, and accurate reporting is vital for maintaining transparency and fairness. By addressing the ongoing inaccuracies and ensuring that the credit bureaus fulfill their responsibilities, the CFPB can help restore confidence in the integrity of credit reporting. 

I kindly request that the CFPB communicates with the credit bureaus, including XXXX, to rectify the errors promptly. I also ask to be kept informed of the progress made in resolving this matter. Your intervention is greatly appreciated, as it will enable me to regain control over my credit history and restore my financial well-being. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take the necessary steps to address these concerns and advocate for a fair and accurate credit reporting system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The lender is NewRez LLC / operating under Shellpoint Mortgage Servicing. 
XXXX XXXX Amount due to me {$59.00} +/-. 
I refinanced the loan through another lender. The loan closed on XX/XX/XXXX. 
XXXX charged interest from XX/XX/XXXX through XX/XX/XXXX. 
XXXX charged for XXXX days on which it was not on the loan. 
I have written to them on XX/XX/XXXX and XX/XX/XXXX requesting and adjustment. Both times I got notification the request had been received and that they would respond within a few days but it has gone ignored. 
My accountant believes this might be a tactical move. The amount in question is under {$60.00} and they expect most people not to pursue it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX Credit Report reviewed date XX/XX/XXXX Collector = Procollect Inc XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) Original Creditor = XXXX XXXX XXXX XXXX XXXX = {$74.00} Review of my credit report list the above credit collection account twice ( duplicated ). It was paid in full XX/XX/XXXX. I was not aware of the debt until I received their collection letter in XX/XX/XXXX which you can see I paid promptly. ProCollect refuses to remove these negatives on my credit report. Due to the age and their error duplicating, I've made attempts via online dispute and phone calls with no results. Agent answering the phone is rude and hung up on me. 

I request both collections be removed ASAP. 

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 DONT RECOGNIZE THESE INQUIRIES AND THESE ACCOUNTS INQUIRIES XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  Date Opened XX/XX/XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX XXXX  Date XXXXXXXX XXXX Date Opened XX/XX/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 non-monetary relief
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: VA
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 AN UPDATE!!! The following accounts are still reporting after multiple disputes. 
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 XXXX XXXX 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 ) ( 4 ) States accuracy and fairness of credit reporting and I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c Section 605 ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s Section 621 ( A ) ( 1 ) states 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Our Post office has a new mail person. She mis delivered my bill to neighbor and I did not get it for over a month. I had charged {$5.00} on a card. I called the cr card company. She promised to remove the {$5.00} late fee if I paid the {$5.00}. I did. She refused to provide written documentation of her promised but assured me it was " in the notes on the account ''. To show appreciation, I used the card the next month. When the bill came, I found she had not removed the {$5.00} fee and as a result, I now owed it plus additional fees and interest. I called and the rep confirmed the notes on the account did reflect that the gal was removing the {$5.00} fees from the month before BUT BECAUSE THE PERSON HAD NOT DONE SO, I now owed all of the fees. I told her I was fed up and would pay for this months purchases and close the account. She tried to talk me out of paying this months purchases. She PROMISED, if I close the account, I would not owe any of the fees they charged NOR ANY OF THE COST OF PURCHASES. That did not make sense. After I challenged her on that she said " Trust me, I do this all the time. You will not owe either the purchases or the fees if the account is closed. '' I told her I did not trust her. No way would I not owe for the purchases and no way I will fall for their tricks two times in a row. I told her I would pay for my purchases then close the account. What she was really trying to get me to do was not pay the bill so they could turn it over to collection and get even more fees. This is a scam. When I told her these conversations are recorded, she became very upset. She recorded it she said so therefore, I have the same right. Recording a call in which I participate is legal in Texas. I am reporting this so others who are scammed the same way can avoid being harmed. I paid for the purchases immediately. I did not pay the fees they twice promised to remove. I will close the account once my check has cleared.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a debt that does not belong to me and The original date the debt was said to be mines is incorrect, Ive disputed this more then 7 years ago and its been off my credit till XX/XX/2020. This debt is in violation of the State statutes of limitation in Florida

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 2021-02-10
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management LLC contacted me via mail on XX/XX/XXXX with an Account Notification on behalf of XXXX XXXX XXXX XXXX ( creditor ). They stated the creditor authorized their office to accept a payment of {$200.00} to resolve an account for less than the full amount owed, savings of {$240.00}. I contacted Credence via phone on XX/XX/XXXX stating that this outstanding amount is not my responsibility. From XXXX to XXXX I worked for XXXX  XXXX  that was the primary account owner of the XXXX XXXX XXXX mobile corporate account for all employees. My existing cell phone number was ported into this corporate account which then was billed to the company address and paid monthly by the company, which additionally purchased and owned the devices. I was terminated from the company in spring of XXXX, the company sold the entire business two weeks later. I to get the company owners to authorize XXXX XXXX XXXX to port my number back to XXXX which was a new personal account for me in spring XXXX after leaving XXXX  XXXX. The device was returned to the company after they authorize the port of my cell number. I was never responsible for any financial responsibility on this account. The company no longer exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: CA
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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$29000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX which is also listed with an incorrect dates XXXX XXXX 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 explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: NC
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:
incorrect information on credit please remove old address

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
RE : Walmart credit card, Capital One. -poor customer service. 
Account XXXX. 

On XX/XX/2020, I paid off my account/statement balance of {$1700.00} On my new XXXX statement, I am being charged {$20.00} interest on a balance that was already paid off! 

On XX/XX/XXXX, I called in to Capital One 's Walmart credit card customer service and asked for the {$20.00} interest that was on a balance that was already paid off, to be refunded. The customer service rep refused and I was transferred to a supervisor, XXXX, who proceeded to tell me that is their policy and if I don't like it, I'm " XXXX '' and " maybe I shouldn't do business with Walmart ''! 

To be treated like this and to be talked to like that is INEXCUSABLE! 
Paying off the account in full and to be treated like trash, especially during these hardship times caused by COVID! 

I will make sure that everyone on XXXX and XXXX and everyone else will know how poorly Walmart and CapitalOne credit treats their customers, especially during COVID! 

I demand a full refund of bogus interest charges of {$20.00}, interest fees on a balance that was paid in full prior to the statement closing. Walmart and Capital One credit say they want to help us, the customers, during COVID-19 but when it comes time to help they do NOTHING, liars!

Company response to consumer: Closed with monetary relief