BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: BARCLAYS BANK DELAWARE
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:
On XX/XX/23, I placed an advance online order with XXXX XXXX XXXX in XXXX XXXX CA. I provided my credit card for the estimated total of {$120.00}, and I requested pizza delivery on XX/XX/23. 

On XX/XX/23 at XXXXXXXX XXXX I received e-mail confirmation from XXXXXXXX XXXX XXXXXXXX for the amount of {$120.00}. 

At XXXX XXXX on the same day, a female pizza delivery handed my order, and provided a paper receipt with option for tip. I encircled the option for 15 % and wrote down {$19.00} on the paper receipt. 

On XX/XX/23, XXXXXXXX XXXX XXXX  charged my credit card the amount of {$19000.00} I spoke to XXXX XXXX XXXXXXXX multiple times and visited the store in person with hopes that this can be resolved. I was promised that the transaction will be reversed/money returned but this has not happened, and it has been 2 weeks. I have filed an incident report with the XXXX XXXX Police Department. 

I spoke to Barclays multiple times asking to please correct this significant financial overcharge by the merchant but no correction was done.

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 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX AND XXXX. ( Please see page 22 of the attached credit report. ) These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2022-01-07
Company: M&T BANK CORPORATION
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:
XX/XX/2021, I tried applying for a pre-approval letter in order to attain a mortgage, When my credit report was pulled, it showed an arrear of inconsistencies. While auditing my credit repair, I came across a few errors. M & T Bank is not reporting the same account number to all 3 credit bureaus XXXX M & T Bank is not reporting the same Account type to all 3 credit bureaus, M & T Banks is not reporting the No. Of Months ( terms ) the same to all 3 credit bureaus, those are just a couple of inconsistencies. I reached out to M & T Bank to find out why they're not reporting to the credit reporting agency the same across the board, now Im challenging their Accuracy and Integrity. With these errors, my credit score has dropped and it has cost me a lower apr and lower approval account. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( XXXX ) Identifies the appropriate consumer. 
12 CFR ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and

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 2019-11-04
Company: Experian Information Solutions 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:
Please be advised that this is my 27nd / WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them. 
XXXX XXXX XXXX, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. 
Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.

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 2021-02-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I submitted a complaint about this collection company on XX/XX/XXXX. The company responded through the CFPB relating to complaint XXXX. Since that time, they responded to the complaint and said they would tell the credit reporting agencies that the outstanding " debt '' was under dispute, but on XX/XX/XXXX, I received via mail notice of of a lawsuit filed in my County by Portfolio Recovery Associates. I received correspondence from what what appeared to be two Law Firms that offered to represent me in the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
- Contacted PennyMac in XX/XX/XXXX to have our Homeowners insurance paid direct from us instead of from our escrow account - Contacted PennyMac multiple times ( XXXX through XX/XX/XXXX ) because PennyMac would not change responsible party for Homeowners insurance from mortgage company to borrowers behalf - Set-up a payment plan with XXXX  for direct billing to us for our Homeowners insurance in XX/XX/XXXX - Sent PennyMac a XXXX Insurance Contract showing Homeowners insurance coverage through XX/XX/XXXX - Received our first monthly bill from XXXX  for a XX/XX/XXXX payment - Contacted PennyMac on XX/XX/XXXX with a resend of notification to the escrow department to adjust our escrow because we were being direct billed for Homeowners insurance - Contacted PennyMac on XX/XX/XXXX with a resend to change responsible party from mortgage company to borrower for Homeowners insurance - Contacted PennyMac on XX/XX/XXXX that we would notify CFPB if changes were not made - On XX/XX/XXXX, PennyMac sent a full annual payment from our escrow account to XXXX without our permission and ignoring all items listed above - Contacted XXXX on XX/XX/XXXX and XXXX attempted to void the payment, but apologized because they could not. 
- Logged into our PennyMac account on XX/XX/XXXX to capture all message information and all message information on our account ( ALL history of communication between we the borrowers and PennyMac has been deleted ). We will include files we have saved in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from 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 2023-02-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I was trying to purchase a car. I was given a pre-approval from a credit union with a good rate however, when I when they attempted to pull my credit report from Equifax nothing was provided. I called Equifax and was told there is no fraud issues and the dealer should be able to proceed. As of today I am still unable to access my Equifax Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I went into a Truist branch to close my Suntrust account after being locked out of my debit card while out of town. At first the teller was super nice and helpful until I handed over my Suntrust debit card and she rolled her eyes and refused to withdrawal all money available and close my account because I may have pending charges coming through. I withdrew the amount she would allow me and she told me to expect to be charged. I just want wants left in my account so I can fully move on to another financial institution.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
After I submitted complaint # XXXX, Wells Fargo closed my account. Today they responded that they are working on my issue, but they closed my account without letting me know. Wells Fargo owes me money from incorrect charges, and instead of clearing this up, they closed 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 2021-04-01
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi XXXX ; I never had any relationship with you nor the original creditor Comenity Bank! But Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: ZARVAD III S.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I told them I wanted to stop all ACH transactions because I was filing bankruptcy. They continued to add charges to my loan it was {$910.00} now it is {$1100.00}. They started sending harassing e-mails saying they were going to take the full amount from my account. They made me agree to a payment plan I was not comfortable with to stop them from adding more charges to my loan. I told them I may have to change it if I have XXXX. They emailed me and asked what kind of XXXX I was having despite the HIPAA laws. They also asked several personal questions like how much time would I need off, if I would be paid when I am off etc. I told them I had no contact numbers and the sent an email saying what do you mean you have no work number? The harassment continues. The employees name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I requested XXXX, XXXX, Trans Union, and XXXX XXXX to disclose their method of verification on the alleged bankruptcies they were reporting. I supplied each one with a notice from the US Bankruptcy courts stating that they did not verify nor provide such information to the credit reporting bureaus. 

XXXX XXXX then replied to me with the enclosed letter claiming that the bankruptcies were not able to be verified and all three have were removed from my file. The other three credit bureaus have refused to respond to my requests and verify the information.

This would mean this bankruptcy is by law considered UNVERIFIED. I am requesting each credit bureau remove all three bankruptcies listed in my credit reporting file at once.

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 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX failed to remove unauthorized hard pulls by XXXX  XXXX  and XXXX was nver investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: GOLDMAN SACHS BANK USA
State: MD
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 made two purchases through XXXX with my Apple Card on XX/XX/21 and XX/XX/21 for {$49.00} each to XXXX. The program I was using through XXXX has a serious programming flaw virtually wiping my purchases without use. I submitted a complaint with XXXX and was told their was nothing they could do. I will submit two statements from XXXX admitting there are issues they are trying to resolve. However, they have done nothing to make me whole for my losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home loan with Mr. Cooper. I've been with them since 2013 and have never missed a payment. Two weeks ago I couldn't login to the online banking system as it gave me an error saying I was in bankruptcy and had to call them. I called them for days trying to get this resolved. I spoke to approximately 8 reps over two days before one of them saw the error. But even then, they couldn't fix it. Apparently there's another person with the same name in North Carolina going through a bankruptcy. But Mr. Cooper decided that that person was me, in XXXX XXXX California. They told me they'd fix this, but it hasn't been fixed yet. This also caused my upcoming payment to be over {$400.00} more because apparently that bankruptcy that wasn't mine, caused an escrow analysis. I can only imagine they reported this to the credit agencies as well and who knows what else. But my loan has been disrupted and they made changes without even checking with me. They have not contacted me once. I'm the one who has been calling almost daily now to find out what this extra {$400.00} is about. This is not the first time they made a mistake with my account. A few years back, Mr. Cooper did not make my insurance payment. So for a few months my home wasn't insured. Luckily the insurance company contacted me and let me know. XXXX knows how bad it could have been if I had needed my insurance during this time. 

Anyway, this is just bad business across the board. They've caused me lots of stress, and most of this is out of my control. They shouldn't be able to do this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: W&A Intermediate Co., LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea what this profile that was opened XX/XX/2022 with a debt of {$540.00} is. I never used any of my credit to get a loan or anything so im confused

Company response to consumer: Closed with non-monetary relief