BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
1. While on vacation at a Wyndham resort the latter part of XX/XX/XXXX, my husband and I were pressured into signing a contract with Wyndham at which time this credit card was offered. After a short period of time and within the grace period we rescinded this contract. On XX/XX/XXXX I called to cancel this credit card less than 2 weeks of opening this card thru this Wyndham Resort. There is record of my telephone call with Barclays.

2. Over a year later, on XX/XX/XXXX I learned of a charge on this credit card ( via email sent to my husband, not me ) from Wyndham Vacation Resorts of {$59.00} which later I learned was an annual fee of being a Rewards Member. I also learned this card was never cancelled but instead a hold was placed on the card. I asked again for this card to be canceled. 
3. This card was destroyed and never used for any purchases. I do not know the account number nor have access to online.

4. I have been in contact with Wyndham Rewards and Barclays Credit Card numerous times without resolution. Again, I am learning Wyndham Rewards are still charging this Wyndham Barclays credit card this annual fee. Now, it has effected my credit score. I am in desperate need of your assistance.

5. Im unsure of how the amount past due is {$120.00} considering Ive been fighting this for 3 years now. It seems that in XXXX it was possibly cancelled but then 2 more years of fees has been added. 
Please see attached recent email I received from this company as well as he email I sent them in XXXX. 
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 monetary relief
Consumer complaint received 2020-02-24
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted SunTrust in XXXX asking them what the deal was with my property taxes since the county had not split the property. The person I spoke to assured me that this was not abnormal and that the county would issue a new bill in XXXX. This was thoroughly untrue. Property taxes were due on XX/XX/2020. My taxes were unpaid by SunTrust. I contacted SunTrust in XX/XX/2020. I was given just about every reason including that SunTrust had paid the taxes. The representative merged in a representative of the XXXX County Tax Office who assured her taxes were due on the XXXX, they had not been paid, there was a late fee. The representative kept saying she needed a bill in my name and the XXXX County Tax Office assured her no bill for XXXX would be in my name but that taxes were still due. XXXX County offered a bill showing the unpaid taxes. SunTrust could only accept it by mail or by fax. XXXX County could only email it. I received the email and forwarded it by fax to SunTrust on XX/XX/2020. I was told it would be resolved within 10 days. To date, my taxes are unpaid. My property has unpaid taxes yet SunTrust has an escrow account with nearly {$12000.00} in it. My unpaid taxes are {$7800.00} plus a late fee of {$540.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I applied and obtained a credit card account with XXXX XXXX/ synchrony bank while I was in college I worked for XXXX XXXX part-time. I was never late on making payments throughout my time in college because I maintained steady income from my part-time job. I recently XXXX from college and my part-time job ended.Presently, I am currently unemployed looking for stable employment. Due to this hardship I was unable to make any payments any longer and I realized that the debt I incurred was discharged and marked delinquent onto my credit reports. I want to take full responsibility and possibly work-out a payment plan with synchrony bank once I'm gainfully employed full-time, however I just learned that synchronybank/XXXX XXXX sold the debt and remaining balance to a debt collector ( XXXX XXXX XXXX, XXXX ) and they filed a lawsuit against me in the XXXX county court here in XXXX, Ga. They come out to my home with court documents on XX/XX/18 and case number for the lawsuit # XXXX. I have been very distraught about this matter.I think there debt collection practices are extremely agressive. I'm willing to mediate with synchrony bank to resolve this matter if there are any options availble for me and my current financial situation.

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 2023-11-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TD bank denied me a reimbursement for my debit card being used when my wallet was stolen on XX/XX/XXXX. 

There are XXXX transactions that are not mine from this date. I was told to wait until the next business day which was XX/XX/XXXXXX/XX/XXXX to dispute the charges as they would go through my account. I was denied the reimbursement because the card was not used after I was notified to cancel the card. 

These are the charges I accrued. All from XX/XX/XXXX {$5.00} {$5.00} {$7.00} {$11.00} {$35.00} {$35.00} again {$230.00} Please let me know if any other info is needed. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03
Company: INTERFIRST MORTGAGE COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
i am having some issues getting a copy of all my documents for these companies. Please make sure they send me in the mail hard copies mailed immediately to my location XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX They have not sent what i have asked for they send everything but what I am asking for. 
please make sure these companies send me a copy in the mail of all my records including from day one when we initially executed the instrument ( Application ) 1. All billing Statements 2. payments 3.ledgers, 4.coupons, 5.statement of account for the public and private side, receipts XXXX original application XXXX original contract 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 Interbank Mortgage Co/ 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 I am the registered agent for the principal account : XXXX XXXX. 

It was also brought to my attention that they have an account set aside for my principal estate ( social security number ) and that is holding all my unearned interest and they are waiting for the principal to come and claim it. It is mine and I need these companies to do their job and their duty is to perform and do as I say. I am the one that is the ONLY owner of the account and I am aware that all the unearned interest is in an account and they are to refund all the positive balances that exceed {$1.00}. These corporations have 10 days to send me my check to the address at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
pursuant to 15 usc 1615 12 U.S.C. 1431 - U.S. Code - Unannotated Title 12. Banks and Banking 1431. Powers and duties of banks- banks are the borrowers and I, the consumer, natural person is the LENDER.

Refund the Principal balance to me, as it is supposed to be per congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: OH
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 had done an investigation on my credit report which caused me XXXX  XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXX XXXX Account Type : Charge off ( closed account ) Amount due : {$500.00} Date placed on my report : XXXX Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Experian Information Solutions Inc.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
For the past several months XXXX XXXX XXXX ( XXXX ) has been reporting my mortage balance incorrectly. I purchased the home for {$260000.00} XX/XX/XXXX. My loan was placed on a forbearance then approved deferment in XX/XX/XXXX for the months of XX/XX/XXXX to XX/XX/XXXX. XXXX is reporting that the original loan amount is for {$280000.00} to all 3 credit agencies. Also they are reporting that my current principal balance is {$260000.00} both of which is more than the purchase price of the home. Also on thier website it shows my balance as {$250000.00} however reporting that i owe more. 

I called an attempted to dispute this, spoke to several employees and finally escalated to a supervisor Mrs XXXX on XX/XX/XXXX for over an hour. She advised she was going to follow up with no later than XX/XX/XXXX. She could not rectify why my loan is inaccurately reporting. Where my payment from XX/XX/XXXX to XX/XX/XXXX of {$1500.00} ( total : {$23000.00} ) were applied and why the balance is more than the orginal loan amount. 

My expectation once my deferment was approved was that all the payment would be tacked to the end of the loan, not added as additional money owed. thats charging twice. 

I followed up with XXXX when I did not receive my callback and the agent and new supervisor stated they are unable to locate Mrs . XXXX Employee Id : XXXX. 

I have already submitted a dispute with the credit agencies ; however this company has negatively impacted my credit and takes no responsibility of ownness to rectify the situation. 

I am looking for immediate resolution and financial compensated for the negative impact to 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
Consumer complaint received 2018-09-18
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm disputing this duplicate credit entry. Tried to work it out, disputed with all 3 credit bureaus. No one wants to listen to me. We cant have double jeaporday. The originial creditor is claiming the debt as a charge off. and the debt collector is claiming the debt as well. If you own the debt both have to prove it. XXXX XXXX XXXX   you need to stop acting like I opened this account on XX/XX/2016. That's a blaten lie. Show me the contract. XXXX Bank is the original owner of the account. You are ruining my credit report with the double entries. 

You've paid off 2 % of your collection amount. 
Balance {$650.00} Highest Balance {$660.00} Opened XX/XX/2016 ( 2 yrs ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Activity on Credit Report Pursuant to 15 U.S.C. 1681 Dear Consumer Financial Protection Bureau, I am writing to dispute fraudulent activity on my credit report in accordance with the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I recently pulled my credit report as part of the process of purchasing a house and discovered discrepancies that require your urgent attention. 
The following discrepancies involve accounts that were not verified, and I am seeking your assistance in having these inaccuracies rectified : 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 These accounts were not verified, and I believe they are the result of fraudulent activity. I have attached documentation supporting my claim, and I request your immediate investigation into this matter. According to 15 U.S.C. 1681, I am entitled to accurate and verifiable information on my credit report, and any discrepancies or fraudulent entries must be promptly addressed. 
I kindly request that the aforementioned companies be removed from my credit report following a thorough investigation. This dispute is crucial for my ability to secure a mortgage for the purchase of a home, and I trust that you will treat this matter with the urgency it requires. 
Please inform me of any further steps I need to take or provide any additional information necessary to facilitate the resolution of this dispute. I appreciate your attention to this matter and look forward to a prompt resolution. 
Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am in constant communication with the 3 Consumer Reporting Agencies regarding an Address reported by XXXX XXXX. According to the credit Bureaus, XXXX XXXX XXXX XXXX XXXX XXXX were falsely reported by XXXX XXXX. That information is INACCURATE and FALSE. I am demand that XXXX XXXX contact the ALL 3 Credit Bureaus and have the address removed immediately. If XXXX XXXX is claiming they did business with someone with a name similar to mine, I am going to file " Identity Theft '' with the FTC because it would be a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
For the past several months XXXX XXXX XXXX ( XXXX ) has been reporting my mortage balance incorrectly. I purchased the home for {$260000.00} XX/XX/XXXX. My loan was placed on a forbearance then approved deferment in XX/XX/XXXX for the months of XX/XX/XXXX to XX/XX/XXXX. XXXX is reporting that the original loan amount is for {$280000.00} to all 3 credit agencies. Also they are reporting that my current principal balance is {$260000.00} both of which is more than the purchase price of the home. Also on thier website it shows my balance as {$250000.00} however reporting that i owe more. 

I called an attempted to dispute this, spoke to several employees and finally escalated to a supervisor Mrs XXXX on XX/XX/XXXX for over an hour. She advised she was going to follow up with no later than XX/XX/XXXX. She could not rectify why my loan is inaccurately reporting. Where my payment from XX/XX/XXXX to XX/XX/XXXX of {$1500.00} ( total : {$23000.00} ) were applied and why the balance is more than the orginal loan amount. 

My expectation once my deferment was approved was that all the payment would be tacked to the end of the loan, not added as additional money owed. thats charging twice. 

I followed up with XXXX when I did not receive my callback and the agent and new supervisor stated they are unable to locate Mrs . XXXX Employee Id : XXXX. 

I have already submitted a dispute with the credit agencies ; however this company has negatively impacted my credit and takes no responsibility of ownness to rectify the situation. 

I am looking for immediate resolution and financial compensated for the negative impact to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: TransferWise Ltd
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I sent money to a company in XXXX using wise.com for a purchase of goods, first they sent me a fake tracking number then they gave me a lot of excuses and then they asked me for a copy of my passport and license. I was afraid it was also identity theft so I refused, I asked them for a refund and they have been giving me excuses not to do it. I called them out on social media and they wrote me back saying because I called them Thieves And insulted them they didnt have to go through that and they could refuse my refund. They blocked me from any type of communication and said I could do whatever I wanted they wont give me my money back. 

I tried to get help from Wise.com but they also refused saying they didnt see any type of scam and that since I didnt give them my personal documents I was at fault. I dont see that as a reason why they are allowed to keep the money. 

I sent 3 transactions : One on XX/XX/2021 for {$2000.00} Another one on XX/XX/2021 for {$1900.00} And the last one on XX/XX/2021 for {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have an existing Security Freeze with Experian that was established in 2017. As part of setting up that security freeze I was given a PIN # and phone number to call to conduct temporary removals. 

I have made numerous attempts to do a temporary removal of security freeze but am unable to get in contact with anyone. The phone number given to me when I set up the security freeze only direct me a a phone tree. The only options give in the phone tree are to permanently remove the freeze or to purchase products. I have been give no mean to talk with a representative and provide my information or PIN #.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-04-16
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: Was not notified of investigation status or results

Complaint:
I sent a letter to Transunion, XXXX, and XXXX not to dispute the bankruptcy I found in my credit report but to ask which methods they used to verify that information. I have not received any response so I sent another letter letting them know about my first letter but still I have never received a response so I sent my third request and still no response.

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 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
To whom this may concern I am filing a complaint on these items that are incorrect and I also have a few hard inquiries that I did not authorize. I've been disputing with TransUnion since XX/XX/XXXX. They did not remove the hard inquiry. Also, they did not update or removed the chargeoff that is inaccurate on my credit report. 

I did not authorize XXXX XXXX XX/XX/XXXX I did not authorize XXXX XXXX XX/XX/XXXX The XXXX- Account XXXX XXXX is reporting inaccurate on my credit report the date opened is not XX/XX/XXXX and the date of last activity was not XX/XX/XXXX so therefore I want this deleted from my credit report for not having the correct information reporting. 

I feel as they did not follow the FCRA laws and did not do a complete investigation on these accounts. All I want is to be treated fairly and get these accounts 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 explanation