BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: Southwest Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lost my identity twice and I had someone use my credit card accounts and open new accounts under my name. I believe it was someone who contacted me about an ad for a townhome I attempted to rent in 2016. They made me submit my bank statements and tax returns and then said the owner decided to go with another tenant. I started to have issues with my credit cards I eventually paid them off after they removed the fraudulent charges. I made several police reports to document what happened. I have attached all the reports I have access to at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: BARCLAYS BANK DELAWARE
State: VA
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 customer service

Complaint:
I had an open BarclayCard US Visa account that was closed due to the age of the account. After attempting to login to my online account to make payment I was locked out of my account, and soon after I began making my payments by phone. After a while, BarclayCard stopped allowing me to pay by phone, stating that the account was too old and that I would have to make payment via check or money order. Two weeks later managed to speak to a representative who was helpful in assisting me with payment. I made a payment of {$100.00} toward my account balance of {$1200.00} on XX/XX/XXXX, which was receipted on XX/XX/XXXX. However, I received an additional statements on XX/XX/XXXX which did not reflect this payment. Multiple attempts to contact the customer service lines have yielded an unavailable number, and a prompt stating that the call " can not be completed at this time ''. I would just like to be able to make my payments and insure that they are applied to my account.

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 2023-07-18
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
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: 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 the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX Balance Owed : {$28000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
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:
Credit Card Company : HSBC, U.S. 
Their address : XXXX XXXX  XXXX, XXXX XXXX XXXX I've advised HSBC U.S. about a charge processed on my consumer credit card on XX/XX/18 in the amount of {$44.00}. This transaction, according to records, occurred on a gas station in XXXX XXXX. 
When i saw this transaction posted I immediately contacted HSBC and told them that such transaction had not been originated by me, and i confirmed to them that the card had been always in my possession. 
At the time of me reporting this I was in XXXX XXXX using the card, and, as you will be able to see on the documentation attached, previous to that i was in XXXX, XXXX  ( where i reside ) and in XXXX, XXXX ( for work ). 
I was in XXXX ( in early XX/XX/XXXX ) but always in XXXX 's vicinity, nowhere near XXXX XXXX ( which i have never visited ). 
HSBC declined the dispute based in my " spending pattern '', would like for them to detail how many more transactions they see coming from XXXX XXXX  for them to support their assessment. 
I'm extremely displeased with their decision that's why im pursuing this matter through you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 ) BSI Financial, the loan servicer, has made an accounting error in my impound account with regard to property taxes paid. Their records show XXXX  payments and XXXX credit back to the account, for a net total of XXXX tax payments of {$2500.00} each. This is incorrect, since there should only be XXXX tax payments of {$2500.00} each. Thus, BSI needs to credit my impound account for the {$2500.00} error.

2 ) In addition, as a result of their error, they have increased my impound account payment by ~ {$230.00} per month in order to compensate for the mistaken " shortfall ''. This additional amount is not necessary, and puts pressure on my personal finances unnecessarily.

3 ) BSI has a history of delinquent payments on my property taxes. The problem seems to stem from them targeting the " delinquent after '' date rather than the " due date '' as the date to submit the property tax payment- effectively guaranteeing that it will be delinquent every time ( impacting my credit and my ability to take out any equity loans ). I have to contact them routinely in order to try to ensure that the tax payment is not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: CL Holdings LLC
State: VA
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 ACCOUNT WAS PAID THROUGH GARNISHMENT OVER A YEAR AGO AND XXXX GENERAL DISTRICT COURT WAS NEVER SENT A LETTER OF SATISFACTION! JEFFERSON CAPITAL SYSTEMS LLC COLLECTED ON BEHALF OF XXXX XXXX AND NEVER REMOVED IT OR SENT LETTER OF SATISFACTION AND HAS BEEN OVER A YEAR AND A HALF!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I had problem getting my EDD Bank of America debit card in the mail, I was disqualified for identity verification during Covid in XXXX, I eventually verified my identity XXXX XXXX I requested Bank of America to ship my debit card out to the address I have on file and the EDD debit card never comes. I called Bank of America representative to send an emergency transfer to me and I was told by their representative that I had XXXX XXXX in account. I never get any debit card from Bank of America and I was paid {$27000.00} from EDD. Bank of America told me the money wasn't in my account again, but I never received a debit card from them. I told the rep to filed for fraud claim and return my {$27000.00} benefit payment which the rep insisted that they can not do that, I've called Bank of America several times to return my money back and they insisted.

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 2023-06-13
Company: Frontline Asset Strategies, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX i received a copy of my credit report where Frontline Asset Strategies , LLC has reported a collection item from XXXX of {$810.00}. This is false and fraud as I have had a XXXX account since XXXX which is currently active. I was never contacted about said debt and it was just placed on my report. I have contacted the FTC and filed a fraud report. They are causing damages to my credit with their false accusations. There are no proof of claims or validation nor so it needs to be removed from my credit report immediately according to the FCRA. They have violated Fair debt collection practices

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX refused to accept and returned my ontime payments in XX/XX/2021 and XX/XX/2021 after forbearance. They subsequently reported me INACCURATELY as 180 days late.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is a continuation of CFPB claim number XXXX Because of that claim, which was immediately sent to Bank of America on Monday XX/XX/2021, on Friday XX/XX/2021 at XXXX I received an email from XXXX XXXX ( XXXX ) ( included a copy in this claim ) which said XXXX XXXX is now my point of contact for this claim. And he must speak to me on the telephone FIRST before he can review this claim to ensure my identity. His hours of work are XXXX Pacific time Monday through Friday. 
So he sent this email to me after he was already not available by phone on Friday. 
So I wait the entire weekend, and start calling the number in the email at XXXX and everytime I called ( 23 times between XXXX PDT ), and each time got a numbered voice mail box ( XXXX ). I left a message 3 or 4 times. 

I finally sent a reply to him in the email how frustrating this is to wait all weekend to speak to him and he never answers the phone. 

This is a completely fraudulent way of setting this " resolution '' system. 
1. this is a debt collector 2. they set the terms that I must speak to him via telephone before he can review the claim, yet he never answers the phone. 
3. I am supposed to wait indefinately for a callback or just keep calling a number that is never answered. 
4. he put a deadline for this telephone conversation at XX/XX/XXXX. 
I have absolutely no control in making that happen because they do not answer the only phone number and extension they gave me. 

This is a system set up to fail the customer. This should be illegal. 

I contacted my Senator, XXXX XXXX 's office today and they said their casework group would contact me. 

Bank of America should be shut down for failure to treat clients fairly. And if laws don't already exist to prevent this kind of shell game and one-way street, there should be some enacted NOW!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02
Company: SYNCHRONY FINANCIAL
State: FL
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 went on my credit report and I have some. Unauthorized hard inquiries that I did not authorize. I called the company they say they didn't see where I applied for any loans, but didn't take it off my credit report.

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 2023-06-29
Company: DISCOVER BANK
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:
In XXXX I purchased 2 lamps I chose for XXXX 3days later the shop owner called and said he did not have what I pick but he would pick for me bigger and more beautiful lamps his words not mine I said no just reverse my charge he said no as soon as I got back from my 10 day trip I called Discover they said until the charge came in they would take care of it. They did reverse but 2weeks later they reversed there reversal and said he proved he shipped them The wrong lamps did show up but they were not what I order so I called Discover to let them they know the wrong ones had arrived Discover told me to send them back with proof of delivery I did. They reversed the charges again but a week later they reversed them a gain and I had to remain all the paper work and a copy of his text stating he switch the lamps to some they he did have I not only mailed the paperwork but also went to XXXX XXXX and faxed them at the end of XXXX they said all was good and not to worry I closed on my new condo XX/XX/XXXX so I did not keep my papers now Discover charged my account almost 6months later and said he had a no return policy this is not a return he switched product on me and admitted it but Discover does not care. I have talked to many people at discover and on the phone they agree with me but say there manager made the decision to believe the shop owner on no returned so now I have paid the charge have no lamps because Discover told me to mail back the wrong lamps I have nothing for my XXXX dollars but the shop owner has the money and I have paid Discover so I do not ruin my credit. I was so mad I told them to canceled my card and they told me my husband was the card holder not me I said I did not know that my name was on the card My husband of XXXX years passed away last XX/XX/. I tried to pay on line but had to call and pay in person with my routing number now this afternoon I found out Discover open an account in my name with a balance of XXXX please help stop this this is not fair if you what more information please call they admitted they have all the paperwork

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony Bank XXXX XXXX are not allowing me to use my card despite my payment in FULL that posted to my bank on XX/XX/XXXX and an email from Synchrony stating that it is has posted and it also shows paid in full in Synchrony as of XX/XX/XXXX. It is now XX/XX/XXXX and it has shown paid in full since XX/XX/XXXX, yet I am STILL not able to use the card. There is no appropriate support for this issue at ALL.

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 2023-07-18
Company: EQUIFAX, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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  Account # 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 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 2023-06-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted a claim with the claim department XXXX XX/XX/2023 in regards to a fraudulent transaction claim # XXXX the bank said they will issue a credit in XXXX days after that the ban called me to say that, the other is not being responsive so your claim has not been approved.What wells fargo is doing is unethical.Wells fargo is wronging his customers many times and nothing has stopped the bank from doing that. 

The law requires the ban to issue credit investigating the issue.

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 2021-12-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: SYNCHRONY FINANCIAL
State: IN
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 non-monetary relief
Consumer complaint received 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.

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