BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: BARCLAYS BANK DELAWARE
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
FROM THE DESK OF XXXX XXXX XX/XX/XXXX Credit Card Fraud Dept. 
Barclays BankXXXX XXXX XXXX XXXX XXXX, DE XXXX RE : Credit Card ending XXXX XXXX XXXX SS XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX To Whom it May Concern, Respectfully request that you reopen the credit card fraud investigation referenced above due to the following. Also submitting these documents to your CEO office and the Consumer Fraud Protection Bureau and XXXX. 
Initially reported card lost and not in my possession on XXXX XXXX after reviewing account. 
Disputed all charges from XXXX XXXX forward ( agent did not dispute all ) ( agent error ). ( {$2200.00} ) Card was fraudulently used for purchases from XXXX XXXX XXXX. Please note that there was not a Travel Notice placed on account. Your internal anti fraud monitoring should have flagged this activity as suspicious. 
Pattern of spending not inline with previous purchases as massage parlors, liquor stores, etc. Again anti fraud monitoring should have flagged this activity as suspicious at the least. 
Balance and frequency of spending as the card was only previously used for XXXX XXXX in the last year. Other than airline tickets I have never run a balance higher than maybe {$150.00}. 
Submitting documentation that proves that I was not in location where purchases were made. This includes commuter receipts for travel to and from work in New York as well as a trip to Alabama which includes XXXX, XXXX and restaurant expenses that indicate could not have made the referenced charges. 
Have requested a letter from my Corporate HR that will also prove I was in New York at work when these charges were fraudulently made. 
Additional proof and verification can be provided for additional spending during these dates for day to day expenses that would once again prove I was in New York and not in XXXX  or Florida during these dates. 
Sincerely yours, XXXX XXXX XXXX XXXX XXXX # XXXX B BRIARWOOD, NY 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 monetary relief
Consumer complaint received 2021-10-11
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: Personal information incorrect

Complaint:
XXXX will not allow me to file a dispute for myself to change my address or dispute an incorrect report on my credit profile. I've called several times and they bounced me back and forth in between departments.

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 2023-10-06
Company: LTD Financial Services, L.P.
State: NC
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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-25
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage info : Payment due XXXX of month, delinquent XXXX of month. 

XX/XX/XXXX First payment due to Caliber Home Loans. I set up XXXX with a money market XX/XX/XXXX scheduled XXXX engaged. 
XX/XX/XXXX XXXX was reversed unbeknown to me. 
XX/XX/XXXX I received notice the XXXX failed. Apparently the money market account is a checking not a savings account. I called XXXX customer service. After XXXX minutes on hold XXXX told me to make the correction ( change bank account type to checking ) online. He said they had a new system and he couldn't help me on the phone. However, I was unable to make any changes to XXXX online because the date was too close to the transfer date ( XX/XX/XXXX ) and a notice told me to call a representative! 
XX/XX/XXXX I made a phone payment ( conf # XXXX ) to cover the XXXX autopay failure. 
XX/XX/XXXX XXXX I called Caliber and confirmed the XXXX payment had been successfully applied. I was able to change the money market account type to checking online. 
XX/XX/XXXX XXXX Called Caliber again to make sure the autopay would work. XXXX told me the bank information on file was correct and should work fine. She said she would email me verification and call discussion. I also requested a waiver of the {$50.00} fee since I was trying desperately to correct this issue and make my payments. She indicated she would try to waive the fees. I never received the email of our call discussion or verification. 
XX/XX/XXXX XXXX scheduled autopay attempted. I checked my account daily. 
XX/XX/XXXX Seeing no deduction in my bank account for the payment ( payment appears successful on XXXX website ), not wanting to be delinquent, I made an online payment for XXXX payment. XXXX applied it INCORRECTLY to XXXX indicating my XXXX payment is past due. 
XX/XX/XXXX Sent letter of explanation to Caliber. No response. Receiving default letters. 
XX/XX/XXXX XXXX rejected. More fees applied. Credit dinged on XXXX. More default letters arriving from collection agency. Caliber removed autopay option. 
XX/XX/XXXX XXXX, not seeing a deduction on my bank account, made an online payment for XXXX. Caliber INCORRECTLY applied to XXXX. Still indicating my XXXX payment is past due. I sent a XXXX XXXX of explanation which they received XX/XX/XXXX. I have had no response from Caliber. 
XX/XX/XXXX On hold for XXXX minutes. XXXX listened and worked through my payment and misapplication dates.She stated they would be allocated correctly in 3 days and my credit ding would be reversed within 7 days. Nothing has changed as of XX/XX/XXXX. 
The only payment I am delinquent on ( though not from lack of trying! ) is XXXX. I have never been delinquent on any payment anywhere. 
I have screen shots of their website changing my information and reverting it back later. They have turned off XXXX and back on multiple times. The information on their website regarding my account is incorrect, inaccurate and deceiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I first applied for PSFL loan forgiveness in Fall of XXXX for two direct federal student loans that I began paying on in XXXX. XXXX, my servicer up until XXXX, never completed the PSFL review process of my loans, although they acknowledged I had made 182 qualifying payments. My loans were transfered from XXXX to Mohela in XXXX XXXX. 

In XXXX XXXX, Mohela reviewed my XXXX application and indicated I did qualify for forgiveness. But, when we finally got the notification letter, it was for only a portion of the loans. After multiple correspondence attempts, Mohela indicated there was still a substantial remaining balance, my wife 's portion of the consolidated loans. Yet, my wife 's Mohela and XXXX accounts showed a {$0.00} balance and would not allow her to submit a PSFL application, even though she also qualifies, having worked for a non-profit corp. since XXXX. 

So in XX/XX/XXXX, we submitted a PSFL application for my wife under my account. Then in XXXX XXXX, Mohela indicated that her application needed to be resubmitted. We resubmitted her application in XX/XX/XXXX. Mohela acknowleged this submission and indicated the review process can take up to 30 days. 

Since XX/XX/XXXX, we have submitted mutiple written requests inquirying about status. In XX/XX/XXXX, Mohela indicated their review has yet to be completed and when they do finish, they must submit it to XXXX for approval, which can take up to 90 days. 

Meanwhile, student loan repayment requirements are scheduled to resume in XXXX XXXX. And although we have already made 182 qualifying payments, 62 over the amount needed for forgiveness, we will have to continue to make even more payments until Mohela 's protracted review process is complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-10
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RMP was assigned to collect 3 bills assigned to them by XXXX XXXX XXXX XXXX. Creditor Ref # XXXX - {$120.00} Creditor Ref # XXXX - {$8.00} Creditor Ref # XXXX - {$95.00} for a total of {$220.00}. 

On XX/XX/2021 these debts were paid in full via my bank debt card on line on their website rmpeasypay.com to which I received a payment successful for each item from RMP with the following references : Ref # - XXXX for the amount of {$95.00} Ref # - XXXX for the amount of {$120.00} To date their website rmpeasypay.com shows I still owe this money and they are reporting it to all 3 credit reporting agencies that I have not paid my debts, when in fact, on their own website it shows both, that I paid the debts, but I still owe the debts and they are not removing these items or giving me relief from the debts that I have paid for in full on XX/XX/2021. 

I have emailed RMP on XX/XX/2021 to which I have not received any response and I formulated a dispute through XXXX credit bureau to which RMP has advised them that I had 'NOT '' paid these debts, when in fact I have per their own website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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 status incorrect

Complaint:
My problem all the way back to XXXX, when my bank, XXXX XXXX, made a {$10000.00} coding error on the check I had written to Bank XXXX XXXX to pay my monthly credit card balance : Bank XXXX XXXX received {$10000.00} less than what I had written the check for. For the next three years, I tried to resolve the issue through letters and phone calls, but without success. So I put the issue on the back burner, and just continued my practice of paying my credit card bill in full and on time every month, minus the {$10000.00} that was in dispute. 

The credit card was later taken over by XXXX, and a couple of years ago, I made XXXX last attempt to resolve the issue by writing a letter to XXXX explaining the history. I followed up on the letter and spoke with several different people at XXXX. However, I was told that there was nothing they could do, because the dispute arose when the credit card was held by Bank XXXX XXXX. They suggested I contact Bank XXXX XXXX, which I did ( by letter and phone calls ). I was told over the phone that the issue was a " dead end, '' because they only keep records for XXXX years, but the dispute arose in XXXX. There was never any response to my letter to Bank XXXX XXXX, so I made the decision to cancel my credit card, which I had first obtained in XXXX. I made my final payment of what I owed to XXXX ( minus the {$10000.00} in dispute ) and included a letter explaining why I canceled the credit card. For about XXXX months after that, XXXX continued to send me statements for the {$10000.00} and interest, but then they stopped -- and they have made no attempt to collect the money from me. 

I got a new credit card and went on with my life, assuming that was the end of it. I never thought about the impact this could have on my credit scores, because I have been debt free for more than 25 years, and had no intention of taking out any loans. However, I recently decided to explore getting a HECM, and that is when I discovered that this old, unresolved dispute had seriously damaged my credit scores. The mortgage broker told me that I may have to set up a Life Expectancy Set Aside ( XXXX ), even though I have always paid my property taxes and homeowners insurance premiums on time. 

It is very unfair that my credit scores have been damaged by a very old dispute that I tried for years to resolve, and that I am now told is impossible to resolve because the banks only keep records for seven years. So I am caught in a financial Catch XXXX. I am attaching photos of three of the key letters I wrote over the years. Any help you could give me to help me fix my credit scores would be greatly appreciated. Also, it is clear that the formulas for credit scores make no sense, when you have someone like me ( very responsible, no debt, substantial assets ) getting below-average credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, 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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: V and H Portfolio
State: NJ
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 suddenly have two collection agencies reporting on my credit reports. Both of these agencies claim that accounts were opened in XX/XX/2022. I have never received any inquiries nor have I received any previous bills or correspondence. When I attempt to contact them theres only a recording that wants my Social Security number. I have reported this to the credit reporting agencies who have failed to rectify the situation. This is severely damaging my credit that I have worked very hard to regain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There was a fraudulent account from XXXX XXXX listed on my credit reports from XXXX, TransUnion and XXXX. The account was an installment loan. I did not obtain or authorize any such loan. I disputed the information with the credit reporting agencies and further filed an identity theft report with the FTC. The credit reporting agencies presumably conducted an investigation into the account, but the results of the investigation did not modify the fraudulent and incorrect information listed in my credit reports. I have made multiple attempts to contact XXXX XXXX. In my email communications with them, a customer service representative directs me to call a hotline and can not help me via email. However, the " dedicated '' hotline has a wait time of 300 minutes ( 5 hours ). It seems to me that XXXX does not want to solve the problem. It also appears to me that the credit reporting agencies did not actually conduct an investigation and did not provide any useful information on the fraudulent account beyond a generic status update. Since this fraudulent account is now flagged as overdue, my credit score has dropped over 100 points.

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 2023-04-04
Company: EQUIFAX, INC.
State: CA
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:
I recently received a copy of my Equifax Information Services LLC credit report, and I noticed some late payments posted on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC is in clear violation of the law. Under 15 USC 1681B permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting angency may funish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

I did not give Equifax Information Services LLC written instructions to furnish this on my report. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Execept as provided in paragraph ( 3 ), the term " consumer report '' does not Include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as an transactions or experiences between the Consumer and the person Making the the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I made payment arrangements with XXXX XXXX, {$100.00} a month until paid off, XXXX XXXX agreed. I haven't missed XXXX payment, but XXXX decided to place a judgment against me anyway, which is not our agreement, Oh and by the way, XXXX didn't send me any communication as to when the court date was held or where, that's how the judgement fell in their favor, very shady Business practices! 
I was informed, that as long as I make the monthly payments on time, XXXX XXXX would not pursue a judgment, they're going back on their word.Bad Business practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

Company response to consumer: Closed with explanation