BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-14
Company: BARCLAYS BANK DELAWARE
State: UT
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 balance transfer

Complaint:
I will give a basic portion of the story, but from the start of opening the credit card, I had problems with the balance transfer option. On XX/XX/XXXX a balance transfer of {$3000.00} was requested by me. I inadvertently entered one digit on the credit card number for my credit card. BarclaysXXXX XXXX continued to process the balance transfer, without verifying if the name, expiration date, and security matched, which is obviously did not match all my info. I now have a {$3000.00} balance on my credit card through Barclays that is not mine, it was transferred from someone elses credit card. No attempts by the credit card company have been made to fix the situation. They charged me a fee to transfer to the balance as well. At this point, I have a {$3000.00} balance on my card that isnt mine, that I have to make minimum payments on. I have been dismissed by customer service, telling me they wont get back to me for XXXX billing cycles, let alone whether or not theyre willing to admit to the mistake of not verifying my account info or rectify transferring the balance and removing the balance and the fee. I am beyond frustrated to be paying a balance I didnt incur, only for my concerns and amount of stress over this to fall on deaf ears. I have been attempting to rectify the problem and messaged customer service, and spoken to a representative at the company on XX/XX/XXXX. The issues has not been resolved and no attempts to help me have been made, except tell me I have to wait XXXX billing cycles for a mistake that was their fault.

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 2023-03-30
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX CA, XXXX To Whom it May Concern, I, XXXX XXXX, had an account with XXXX XXXX XXXX XXXX XXXX. Due to COVID-19, I became unemployed and started applying for multiple jobs. Unfortunately, someone opened multiple credit accounts under my name without my knowledge. Although I was offered a deferred payment option, I could not take advantage of it due to my unemployment status at the time. However, XXXX XXXX XXXX XXXX XXXX processed the deferred payment without my consent, which caused a delay in bringing my account to a current payment status.

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 2022-06-17
Company: SinglePoint GI
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a call from XXXX people stating that General Revenue Corporation called them stating that I owed a debt of ( approx ) {$1800.00} to XXXX XXXX  University which was a XXXX loan. My details should not be shared, especially with people I dont approve. I was never called directly to resolve this, but they could call XXXX other people and share information about me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 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 2021-12-13
Company: U.S. BANCORP
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have an XXXX credit card through XXXX XXXX XXXX. The last time I used the card was in XX/XX/2021 for {$44.00} at XXXX. In XXXX, I called in to pay my bill and was informed that my balance was {$4400.00} +. I was on the phone with 2 separate Elan representatives and I was insured that this would be looked into by the Fraud Department. I was then sent a new credit card and the old card was cancelled. Charges still kept be charged to XXXX, XXXX, XXXX and other miscellaneous companies. I again called the Fraud Department and they again closed that card down and sent me another one and told me not to activate it. I didn't. I have since been receiving card member services statements everyday showing a credit for one charge at a time. I at this time have over XXXX statements. The latest card that was not activated was charge this last XXXX for miscellaneous amounts totalling {$2000.00}. I for the last 10 months have been calling and speaking to Elan and everytime I am assured that a note on my account will be made and my credit won't be damaged. My husband and I bought a car a few months ago and was informed because of this nightmare, our credit went from XXXX to XXXX. Also I and he are being called 2-4 times a day. When I take the call, it is the same old promises that everything will be fine and I get transferred to the fraud department to explain the entire nightmare again. I also went into my local XXXX branch and the manager told me there is nothing she can do as they don't deal with the credit cards. My current balance on the card is {$1900.00}. I told Elan that I am not paying it and I need my credit restored. I have over XXXX statement showing that many of the charges were credited to my account but the charging continues and I am thinking it is an inside job. I don't know where to go from here. 

Please feel free to contact me at XXXX. The telephone number for cardmember services is XXXX. I do have over a XXXX statements that I can send you but am not sure if you wanted to have so many! By the way, as I was writing this, I was called again from XXXX Services.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Update my personal information as soon as possible!

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 2021-10-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Best Buy does not list the names of items purchased on statements of it's Best Buy Card.

I do not know of any other company that does this. I have had my credit card misused and going through a divorce. I need to have proof what items where purchased that I paid for through auto payments set up by the purchaser from a joint checking account intended for mortgage, taxes and utilities only. in order to settle. 

I have called a number of times with no results. I called about a month ago to find that it is practically impossible. I speak to the credit card reps who refer me to another department that referred me back to the credit card reps. And so the circle continues. 

I am told a new company is now handling their credit card billing which implies it is even more difficult to get this information than ever. Since I have never received this information in the past, I can only imagine what my chances are now. This is all very unfortunate for Best Buy customers.

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 2021-10-11
Company: Experian Information Solutions Inc.
State: OH
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 been filing complaints with this company for months now and I have yet to receive a response about my credit report. Back on XX/XX/2021 the COMPLAINT Number is : XXXX I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-08-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i REPEATEDLY HAVE SUBMITTED DISPUTES ON XXXX XXXX XXXX. IN REGARDS TO WHAT THEY ARE REPORTING, AND I HAVE FILED DISPUTES WITH EXPERIAN, XXXX XXXX, AND XXXX. XXXX HAD CHARGED OFF THE ACCOUNT IN XX/XX/2018. THE BALANCE AT THAT POINT WAS XXXX. THE ACCOUNT IS CHARGED OFF AND CLOSED. XXXX  CONTINUES TO ADD PAYMENTS EVERY MONTH AND REPORTS IT TO EXPERIAN WHO LISTS THIS INCREASING BALANCE, THE BALANCE INCREASES, IT IS THE ORIGINAL CREDITOR. I UNDERSTAND THEY HAVE THE RIGHT TO COLLECT THE XXXX HOWEVER THEY DO NOT HAVE THE RIGHT TO KEEP ADDING FEES EQUIVELANT TO MY CAR PAYMENT, I HAVE ASKED REPEATEDLY FROM XXXX AND EXPERIAN TO VALIDATE THAT THEY HAVE THAT RIGHT IN MY CONTRACT TO DO SO, HOWEVER NO ONE WILL SHOW ME MY SIGNED DATED CONTRACT AUTHORIZING THE CHARGES AS IS MY RIGHT TO RECEIVE. AT THIS POINT I WANT THEM REMOVED FROM ALL BUREAUS THEY REPORT TO.

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 2021-12-13
Company: BARCLAYS BANK DELAWARE
State: NV
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:
We stayed at XXXX XXXX by XXXX hotels last XX/XX/21. It is part of their scheme to have the visitors to attend one of their seminars for 1 hour they said but it took us 5 hours. At the same date as above, they offered a timeshare and with our consent we agreed to have our credits checked and just to see where we at. We provided our information and signed some consents that they will just use our information to see our current APR for timeshare. We we're there for 5 hours because many of the agents goes back and forth to all the visitors/attendees trying to convince us to take a timeshare. We straight up told them we are just inquiring and just curious and not really planning to get one at least for the time being. All the agents look so XXXX and XXXX. They we're not very professional and kind of forcing us to sign but we never did. 1 month after, I received a letter that I opened TWO NEW CREDIT CARDS FROM WYNDHAM. The first one is from Barclays Wyndam Rewards with a credit limit of {$1600.00} and the second one is from XXXX XXXX Bank Wyndham XXXX XXXX for a credit limit of {$5000.00}. Attached pictures are the evidences and the dates when they opened a credit card for us. 

It was never agreed that I will open any credit cards under them. And I never consented them to use my information specially my Social Security to Barclays and XXXX XXXX XXXX. This also hard hitted my credit score and also my wife 's because they actually attempted to open a credit card to my with Barclays too.

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 2023-07-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

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 2023-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
In XX/XX/2023 my bank withdrew {$4000.00} from my account due to a chargeback scam. I have been a victim of this scam and my bank has done nothing to fix the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-11
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
This is in response to your Complaint ID XXXX. 
1. The attached XXXX letter by Ms. XXXX clearly states that XXXX refunded {$990.00}, but Barclays bank never gave me that money. 
2. XXXX refunded this money, even though their policy states that refunds are not allowed. This took a lot of fact finding and discussion with other employees and the Manager, Ms. XXXX. I talked with XXXX, as Barclays bank had requested me do so. 
3. however, Barclays either pocketed or refunded my money fraudulently and without considering my points to XXXX XXXX 
4. As requested by you, I talked with Ms. XXXX XXXX, Office of the President-Barclays . However, she could not explain, as to why Barclays did not refund my money. Unless Ms. XXXX can prove that Ms. XXXX is XXXX, it stands to logic that I should get my money back. Thanks.

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 2021-12-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received an email XXXX XXXX XXXX XXXX from a XXXX XXXX and XXXX XXXX indicating they were attorneys they not only represented themselves as attorneys but threatened criminal federal action and also threatened to contact my employer they violated numerous laws and I have a copy of the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Maximus Education, LLC dba Aidvantage
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:
Hello, I recently received a response to a dispute that I made under FCRA 611a regarding questionable and inaccurate items ( s ) around XX/XX/2023, on my credit report. I was confused when I learned you somehow " verified '' the disputed items, and they are still on my credit report. Can you confirm how this investigation was conducted and what the XXXX  was that was used? I am not disputing this again ; I'm specifically asking for the method of verification for the below. 

As you know, in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ), the courts ruled each and every time that the XXXX couldn't merely " parrot '' data from the creditors and collection agencies ... that were required to conduct an independent REASONABLE investigation to ensure the validity of the debt and the integrity of the creditor and collection agency in question. Sending out a generic form through the XXXX system for the dispute is not reasonable! Please FULLY validate with details on how you verified this ( names of people you spoke with and contact numbers ). If you are unable to do so, DELETE THIS ACCOUNT off my credit report forever, or I will gladly escalate to the CFPB and have my consumer protection attorney file court proceedings. 

Thank you and I sincerely look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On or about XX/XX/2023 Chase Bank debited my checking account for {$55.00} for a safety deposit box that I was provided FREE of charge due to being a XXXX I was NEVER properly NOTICED of the charge BEFOREHAND which would allow me the opportunity to question the charge and/or to terminate the safety deposit box. I called Chase several times to inquire why I was charged for the FREE box but could not get any answers or resolution despite 10+ calls over a a week. I was discriminatorily coerced/forced into leaving my home and into going to the Chase Bank office . I met with the bank manager and shared m concerns, again to no avail. She indicated that she couldnt remedy the issue locally and that I had to contact customer service. I advised her that I had attempted to do so 10+ times without any success. I asked her to provide a phone to contact customer service. I called and spoke with someone and explained the situation. They indicate that the issue had to resolved LOCALLY and not with customer service : I explained that was told contradictory information from the bank manager and asked that they communicate and resolve the UNLAWFUL theft/taking of my funds on deposit with the bank. Nothing was resolved. I contacted customer service again and spoke with someone in the back office who was going to look into the matter. I was told that the bank does not or can not issue refunds for safety deposit boxes due to bank policy. I advised them that ANY policy is subject to the Americans With Disabilities Act as I am XXXX and as such never received PROPER LAWFUL NOTICE OF ANY SUCH POTENTIAL CHARGE. In fact I never received ANY NOTICE. I received conflicting information from the bank manager and customer service staff. I was told that the bank noticed customers in the bank statement correspondence and contradictorily that the bank sent out a separate notice. If the bank cant get thie story straight how can the customer be expected to RECEIVE THE NOTICE? 

The back office period indicated that she would reach back out to me within, no LATER THAN 5 days. That NEVER HAPPENED. 

Chase bank unlawfully stole {$55.00} from my account for a safe deposit box that was issued to me FREE of charge an FAILED TO NOTICE me BEFORE attaching to my personal private property ; funds held in deposit in my personal checking account. This has exponentially caused me to incur other fees as a result of th3 unlawful theft of my {$55.00}. I exist on XXXX income alone. My expenses already exceed my income and this caused me to incite late fees and other expenses involved with borrowing money to avoid LATE FEES AND NSF FEES. 

I Spoke with the back office staff on XX/XX/2023. XXXX with Chase Executive office. She has never called me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2019, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 consent.

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 2023-07-14
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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