BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-02
Company: AES/PHEAA
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Request to Remove All Delinquents Credit Reporting With Judges MANDATE From United States Court of Appeals for the Second Circuit Today with Sufficient Supporting Proof In XXXX XXXX favor against United States Department of the Treasury. Social security check garnished every month and bad faith collection not following FTC guidelines by XXXX XXXX XXXX collection company and neglect. 

To Remove All late payments for FedLoan for the past three years because I was in school and Administrative Waiver under Federal law timely file. I was also granted as a matter of law and Sovereign Immunity. 

XXXX XXXX XXXX is desperately collecting and reporting incorrect XXXX XXXX  XXXX XXXX  prepaid card with out proper full disclosure of Truth In Billing Reconciling all payments activities and Federal Truth In Billing Disclosure Act for closed paid initial account paid in full for {$300.00} reported as {$3500.00}. No proof provided just frivolous comments with no bank statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I've had a credit card with Barclay Rewards Mastercard for 4 years. When the card was issued, my credit rating was not good so that I understood the high interest rate of 25.24 %. Since getting this card, my payment record has been excellent. Like many others, I make my payments without looking at my balance. However, when I received a payment reminder a few days ago, I realized that the last payment I made for {$110.00} didn't make a dent in the balance. When I checked further, I found that only $ 40+ was applied to principal and $ 60+ added for interest. In checking back to 2018, I discovered that I paid {$830.00} in interest, 55 % of the amount charged on my account. 

I have called, and then emailed Barclay to ask for an interest rate reduction, but it was declined. 

Since I had not used this credit card until the last couple of days, most of the charges on the account were for interest. This seems to me to be unconscionable and something should be done to stop this practice of interest upon interest, usury??? 

I have been toying with the idea of just stopping payments or filing a Chapter XX/XX/XXXX, but would appreciate it if you could help so that I won't have to take these measures.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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: In progress
Consumer complaint received 2020-12-30
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I tried to resolve the issue with Jcp MasterCard several times via phone, to no avail. I got a cash advance charge to my credit account on : XXXX & XXXX. Due to XXXX XXXX purchases that were made using the card. I immediately disputed the charge because I never took any cash advance. Once I got the paperwork From JCP it appears that this is a standard policy. One of which I was never made aware. 


I had no idea a XXXX  would lead to these fees & never agreed to pay a cash advance fee for such transaction. XXXX gives a warning of the 3 % fee prior to submitting each one. I have no issues with that fee. I use XXXX all the time with my other major credit cards & have never had this issue. These instances happened when i was Waiting on a replacement visa card that I use daily Theres normally a 3 % fee for the transactions on XXXX & thats it. Again, I have no issue there. XXXX is fairly new & if JCPs terms were changed, consumers should have been given notice ASAP. 


I do not believe these fees are fair, nor can i afford to pay them. Ive had an excellent payment history & never made any cash as advances in the past. This can 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
Consumer complaint received 2019-04-03
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 30 to 60 days past due on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is 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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly.

I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my credit score.

The ongoing presence of these fraudulent items has not only caused me financial hardship but has also severely eroded my trust in Credit Bureaus. As a loyal customer, I expected a higher level of service and security, both of which have been lacking in this situation. 

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future. 

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated. Please help me removed the following items immediately : 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 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 2023-10-25
Company: Incomm Holdings Inc.
State: PA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I got the gift/credit card at XX/XX/XXXX, it was given to me by my godfather unopened and bought from a store. I opened it XX/XX/XXXX to find that it only had {$19.00} balance out of {$100.00}. There were transactions on the card on XX/XX/XXXX, even if I opened the card fresh from the sealed packaging. The unauthorized transactions were detailed in the dispute : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  {$18.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  {$5.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  {$30.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  {$10.00} I filed a dispute case with XXXX on XX/XX/XXXX. They informed me that it would resolve within 45-90 days. I sent the complete card details with pictures, my proof of residence, and identification hoping they would mail me a replacement with the complete balance of {$100.00}. I never used the compromised card to avoid tampering the investigation. 

I kept calling back XXXX times a month until XX/XX/XXXX to check on the status but they told me to keep waiting. XX/XX/XXXX would be around 180-210 days from the dispute date with no resolution still. Then, I called one last time on XX/XX/XXXX and they said that my dispute case number could not be found. I resent all the documents to them and told them of the email thread. I figured that they are just running me around so that I would give up the dispute. 

Up to now, I have not received a follow up from them and it is tiring to deal with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
About XXXX unauthorized transactions were made against my Chase checking from a website called XXXX XXXX totaling XXXX {$3000.00} which left my account overdrawn. Chase sent me a message stating they blocked 1 transaction of {$510.00}. I immediately checked my account and called Chase Bank and had my card cancelled and filed a dispute for the XXXX unauthorized transactions. Chase Bank only gave less than half the money that was stolen. I then called them back and they said there was nothing they can do because it doesn't look like fraud and couldn't explain why they gave some of it back. I called them 3 different times to inquire about the status of my dispute and they gave a different explanation each time and they kept insisting there was nothing they could do about it and they still owe me {$2000.00} and I live on Social Security and that all the money had to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: ALLY FINANCIAL INC.
State: GA
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:
Re : CFPB Nos. XXXX and XXXX Ally Auto Account Nos. ending -XXXX  and -XXXX  Reference account number ending XXXX  in the company 's own words " Vehicle-1 was deemed a total loss on XX/XX/XXXX. Your last payment prior to the total loss of {$600.00} was received by Ally on XX/XX/XXXX. '' The statute of limitation on debt is seven years. I reside in the state of GA. The state of GA statute of limitation is four years ( OCGA 9-3-24 ). ALLY 's response shows the last payment made on XX/XX/XXXX. Today is XX/XX/XXXX which is beyond the seven-year as well as GA Law statute.

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 2023-11-04
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: Information belongs to someone else

Complaint:
I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$270.00} ; XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
TRANS UNION XXXX XXXX XXXX XXXX XXXX 1. XXXX of XXXX received notice from XXXX XXXX XXXX renewal for XX/XX/XXXX would not be offered. The reason given, I had a report on file from XXXX XXXX XXXX indicating I was deceased, thus rendering my credit rating to zero. 
2. I contacted XXXX XXXX XXXX and they proceeded to correct the issue and notified Trans Union in writing ( XX/XX/XXXX ) that the file error with XXXX XXXX was in error and advised Trans Union the issue was resolved and this error should no longer affect my ratings. 
3. In the meantime XXXX XXXX XXXX agreed to renew my policy for the term XXXX. 
4. Once again to my horror XXXX XXXX XXXX sent a nonrenewal notice on XX/XX/XXXX, indicating they could not renew my policy because my credit score was again XXXX because the file still indicated I was deceased. 
5. Again I had to call XXXX XXXX XXXX but to my extreme disappointment, they indicated that their correspondence of XX/XX/XXXX, had been received by Trans Union and because these were car payments Trans union received 12 reports from XXXX XXXX indicating a perfect record, not one missed payment. 
6. Trans Union FAILED TO REMOVE THE DECEASED NOTICE XXXX XXXX from my record, thus producing the XXXX credit rating month after month in the calendar year of XXXX. 
7. To make matters worse I purchased from Transunion a monthly reporting monitoring at {$19.00}. a month. Ha, so much for that!, spent over {$160.00} to have my insurer deny me coverage because of a poor credit rating, because of Trans Unions incompetence.and omission to properly document my file, and voiding the resultant damage. 
8. I want an apology in writing from Trans Union and years free correct monitoring of my credit file. 
I turned to Trans Union to protect me, instead they 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 2018-05-07
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed an error with Experian two different times and even with proof of inaccurate reporting, they will not remove the account from my report. I sent a dispute letter to Experian XX/XX/XXXX. This was my second attempt at trying to have the inaccurate information removed from my file. I explained to Experian that I had previously reached out to the company ( XXXX XXXX ) to whom my dispute pertains and was provided a copy of the so-called contract I signed with them. I forwarded all of this information, along with my reasons for dispute. Experian has for the SECOND time refused to delete this account ( although inaccurate ) from my report and will NOT share with me how the information was proven and deemed accurate by their investigation. I have attached copies of all paperwork and will also share with you the reason why I feel the information is inaccurate and should be deleted immediately : See page 1 : How was " accuracy and completeness '' determined? Why can't results of investigation be shared with me? 
See page 2 : Experian simply updated the information contained in the report from balance of {$1000.00} to {$1000.00}. Where's the proof of this? Experian was specific enough to increase the dollar amount by {$3.00}, they must have information that proves this ... share! Also, please note one area of the report states {$4000.00} owed, but another area states credit limit or original amount {$490.00} ... which is it? 
See page XXXX : If debt belongs to me, where are the last 4 of my ssn ( it's listed for the other party mentioned in the contract on pg.4, where's mine? ) See page 4 : Spelling of last name inconsistent See page 5 : Every page states " SOP '' which I have learned to mean signed over phone. My signature is nowhere on the contract! If SOP was used, prove it by providing recording of that supposed phone call. How can I be held liable for a contract that I NEVER signed!? 
See page 6 : In description of transactions, where is my name listed? Why am I not included/listed as a member? In addition, according to credit report " date opened '' is listed as XX/XX/XXXX, however page 6 shows transactions dating back to XX/XX/XXXX ... that's almost a full year 's difference. 

This entire report is filled with inaccuracies. Nothing being reported is true and it is hurting my credit standing and rating. In my opinion, just another cheap ploy by the credit reporting agencies to keep them in business. Experian is the only party that gains anything by reporting false information!

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 2023-08-27
Company: Experian Information Solutions Inc.
State: CA
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:
Introductions : Federal Legal Standing and factual evidence XXXX in violation of my Private Rights and federal law 15 U.S.C 1681, 15 U.SC. 1861i. I am a natural Person ; I am a living begin. I have rights Under 15 U.C.S 1681 XXXX is governed by 15 U.S.C 181. 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 U.S.C 1681. Has Violated my rights. 

1. Account Name : XXXX XXXX  / Account number # XXXX 2. Account Name : XXXX XXXX XXXX Account number # XXXX 3. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX 4. Account Name : XXXX XXXX / Account Number # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX 6. Account Name : XXXX  Account Number : XXXX XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 8 . Account Name XXXX XXXX XXXX XXXX Account Number # XXXX Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting 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.

According to 15 U.S.C 1681, I have the Right to Privacy, and I did not give Experian written permission to furnish theses accounts. By doing so this is a direct violation of my right to privacy and a direct volitation of federal consumer law, put in place by Congress.

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 2022-07-05
Company: Block, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a had a cash app account prepaid and somehow a person added themselves to my account that I do not know transactions were made that I did not approve and cash app closed my account after me asking them about whomever it was it was added to my account and now they are saying I'm disputing the charges and taking money out of people 's accounts that I sent it to I tried resolving the problem with cash app because it was unauthorized activity on my card as well as unauthorized people on my account that I do not know and furthermore I'm having to deal with family members and whatnot who I paid or loan money to where I owed money for babysitting too having money taken directly out of their account that I sent them and I don't know how that's even possibly legal.

Company response to consumer: Closed with explanation