BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have spent almost a month trying to discuss my concerns with Barclays by calling the customer service department. I first reported a dispute claim # XXXX for {$75.00} sometime around XX/XX/2022. My concern is I made a purchase of {$150.00}, this was for two pairs of jeans. One pair was returned to the store and I got my refund of {$75.00}. I had to send the other jean through the post office however to date I have not received my refund from the merchant XXXX for the remaining balance of {$75.00}. My claim was closed because the claims processor immediately assumed that the one credit of {$75.00} I had already gotten was what I was disputing, but they are wrong with the choice they made and did not understand this claim at all. Since then I have been trying to explain to Barclays that my claim was closed in error and was not looked into accurately or even understood accurately by fax and by calling customer service. I spent numerous amount of time calling XXXX but there is an extreme amount of time that I have to be on hold then when you finally get someone you either hear kids in the background yelling or the call just disconnects. I really need someone serious and respectful to help me with my concern. My patience is exhausting and it is getting to the point where I might just cancel and close this account. The customer service for the Barclays Aviator is terrible.

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 2023-07-09
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:
In accordance with the Fair Credit Reporting Act DPT EDXXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions

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 2019-09-23
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold from XXXX to Shellpoint Mortgage Servicing. I received a letter to submit proof of homeowners insurance, I mailed it as the letter indicated I could do, a month later I got another letter so this time I used the company online XXXX XXXX XXXX that they said was available to submit through and I saved the email stating I used it - no details in the email as to what I did. But proof I did something on that date on that website. Then insurance was force placed and I sent a note online through the Shellpoint system with the email proof attachment. I received a letter today ( certified ) that stated nothing was received and that I had to get them proof of insurance and make sure the ISAOA is Shellpoint and that they can't determine an error occurred on their end and are still expecting that I pay them fo reforged placed insurance. 

First of all I didn't ask to have my loan sold, insurance has AWLAYS been in place and has not changed companies for at least 3 years. If they are selling /buying my loan then they should update the ISAOA, I don't need more things to do in my day because they want to make money. In addition to that if I can mail something and it is not required to be certified then you should not be able to say you didn't get it to put {$4000.00} insurance on my home. I feel like this is orchestrated so people are charged excess money. My insurance has never lapsed and I have not asked to have anything on my loan changed. I did what I was asked when I mailed and then later went on a website and entered info. I was not aware I HAD to change the ISAOA after the sale, they had the documentation. If I was responsible then I should have been sent a bold letter letting me know what to do. I don't know because my mortgage is sold, I have that responsibility. This is the 2nd time XXXX and now Shellpoint has force placed insurance on my home. I can prove it has never lapsed In addition I had to do all of the leg work to have my PMI removed with I automatically hit 78 %. That should not have been my job either. They have a responsibility to the customer and I still think they charged me too long for it because my amortization schedule said I met the 78 % in XXXX and I continued to pay PMI in XXXX & XXXX before it was dropped form my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: DE
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 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX 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 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 2023-09-27
Company: Experian Information Solutions Inc.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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

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 2023-07-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am XXXX XXXX XXXX XXXX man and total negligence in giving out a credit card. They refused to give explanation why credit card was denied, after calling and writing several times. Its is probably a case of Racism  and white supremacy. I asked to reapply, and provide drivers license with physical address. However, XXXX XXXX is a XXXX that refuses to reapply.

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 2023-04-11
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Experian Information Solutions Inc.
State: NJ
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:
XX/XX/XXXX ExperianXX/XX/XXXXXXXX XXXX, TX XXXX Dear Experian I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX  XX/XX/XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XX/XX/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 2023-03-05
Company: Americor Funding, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I cancelked my service after the next day and just this week they removed XXXX from my bank account and said they would return it and have not my account is in the negitive and they are not trying to gelp at all but to make me fall and steal my money after telling them XXXX day after i talked to them that i did not want there service at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
I did not Authorize XXXX XXXX to  run my credit and I have already sent them a letter and waited XXXX BUSINESS DAYS to remove all hard inquiries that are unauthorized There is XXXX unauthorized inquiries on my XXXX report there are XXXX on my transunion report and there is XXXX on my XXXX report and capital one does not have my authorization to to run my credit therefore there should be no hard inquiries and I have tried to resolve this by phone mail and email. 
The XXXX XXXX and XXXX XXXX XXXX also do not have my authorization to run my credit and also I have no open accounts with either of them and I want these removed from my 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 2023-08-18
Company: National Credit Adjusters, LLC
State: AL
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:
The company National Credit Adjusters , L.L.C was in immediate violation of the FCRA [ 15 USC 1692g ]. For reporting on my consumer report without reaching out to me with any type of documentation to try and resolve this matter before reporting to my consumer report. I tried to reach out to the company with a notarized letter to validate the debt or delete it from my consumer report if they did not respond within 30 days of receipt of the letter. This was mailed through certified mail and it was delivered on XX/XX/2023 and I have the confirmation receipt of signature as proof that it was signed for on that date. As or XX/XX/2023 I have not heard from this company nor have they deleted this account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This phone number is not associated with a human. They repeatedly call this phone number and tell me to call a different 1-800 number back. 
Their last call to me was for my phone number XXXX XX/XX/2020 XXXX. Their number they called from is XXXX. Tyey want me to call back to XXXX XXXX XXXX. 
The name they are collecting from is no one in my family.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-09-05
Company: Resurgent Capital Services L.P.
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:
My home was burglarized and severely vandalized and as a result my identity was compromised. On numerous occasions I have filed a dispute stating that and nothing was done EXCEPT from the creditor to continue to bill/negatively report of XXXX  and XXXX  of an unpaid debt that was a result of a crime, as if I haven't already been victimized enough. Please view the attached police report and case number. 

Refer : Deputy XXXX XXXX Station : XXXX Sheriffs Station Phone No. XXXX Case No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit Reporting act XXXX  Account Kohls, Capital One, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$0.00} EQUIFAX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
I started a dispute with Experian regarding a dispute with XXXX XXXX XX/XX/2021. I paid my lease on time and handed the car back. I showed proof to both XXXX and Experian that my car was returned and the loan was satisfied. 7 months later I was billed the disposition fee which I included the dated bill and proof to both companies. The not only did they not correct it but destroyed my car buying credit. I have sent multiple request to correct this since XX/XX/2021. Please help They noted I was late from the time the car was returned, up until the disposition fee

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 2018-04-23
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The company is loan care, and I believe they are messing up my escrow account. I have verbally asked to have the account terminated and I was told no I have to submit in writing. I over paid escrow in 2016, i received a letter on the XX/XX/XXXX stating I need to file for another check since it was never sent to me. On the XX/XX/XXXX I faxed the info, letter said 7-10 days to process and today is the XX/XX/XXXX and still has not been processed. XXXX XXXX from the department has not returned my calls from the last two weeks and no one knows where the check is. I have called several times to no avail when I looked them up they have 100s of complaints about this very issue and customer service. They have a 1.2 rating with the better business bureau. And how has my mortgage gone from XXXX to XXXX in 3 years when my insurance is cheaper and taxes are the same? Please help me figure this horrible company out. Thank u ... 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 2023-08-29
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
IVE BEEN A VICTIM OF IDENTITY THEFT, I SUBMITTED PROOF FROM ITR

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