BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Last XX/XX/2022 I spoke with a director named XXXX XXXX ID # XXXX to ask you to forgive me interest for an amount of {$430.00} originated by a purchase that was not paid at the time of the promotion I told him that if he paid the balance owed on that purchase, which was an amount of {$1000.00} could you forgive me interest. 

The director told me that of course yes, that it was a pleasure to do negotiation, and pay at that time {$1000.00} He told me to talk in two or three days so that they could forgive me the interest of {$430.00}. That he was going to leave notes in the system so that the forgiveness could be made. 
I spoke three days later and they told me that I was in the system, but that the cut-off day was going to be automatically reflected, which was XX/XX/2022. 

I spoke on XX/XX/XXXX because the interest credit was not reflected, but they told me that they were having problems with the system. 

Today, XX/XX/XXXX, I have spoken with 5 representatives and three of them tell me that the system does not allow them. I asked them to speak with XXXX XXXX XXXX and they tell me that they can not communicate with him The last two of the representatives left me on the line and hung up on me. 
I consider it disrespectful that I have paid the balance as was the agreement and now Barclays bank is not doing its part. 

I ask you please help me with this. 
Because my payment implied a decapitalization, and more in these times of lack of employment. 
I have never had delays in my account and I consider that they made fun of me

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these 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

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 2023-01-13
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Experian Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX 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 2022-12-05
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived at XXXX XXXX XXXX XXXXXXXX XXXX  for majority of my lease agreement before moving out due to health and hazardous conditions ignored. I gave ample notice that I was moving and why I was moving and I was granted approval. I have responded to every letter they send with the same information and I never get a response. I have sent XXXX regular letters and XXXX certified letters. This debt does not belong to me as I moved out and gave notice months before these charges. Please see lease agreement and email communications attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 2023-05-10
Company: AMERICAN EXPRESS COMPANY
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:
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX AMEX XX/XX/2023 To Whom It May Concern, This letter is to inform you that I am disputing your company 's references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations I am disputing the following information directly with you, the furnisher of the information, and I am requesting that you conduct an investigation as outlined in the FCRA section 623 : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This account was included in my bankruptcy from 2018 and enclosed is the bankruptcy paper as well as how it is reporting on my report it is showing as a collection which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: REGIONS FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had an account with Regions/Enerbank ( account # XXXX ) and never once made a late payment. In XXXX, XXXX, they were sent a check for more than the total balance. The check was cashed by them on XX/XX/2023, but was not applied to my account until XX/XX/XXXX. They claim they could not find the payment. The XX/XX/2023 statement shows that they claim the total balance was {$16000.00}. They cashed a check for {$16000.00} the previous day and then proceeded to add a {$30.00} late fee! The check they cashed was for {$190.00} more that the total amount owed ( before the bogus late fee ). 

My bank confirms that Regions/Enerbank received the check and the money was placed into the their account on XX/XX/2023. In the time between XX/XX/2023 and XX/XX/XXXX, they charged me {$210.00} in interest even though the loan was paid in full and then some. The check that was received and cashed by them was for {$16000.00}, but they applied only {$16000.00} to the balance claiming the rest of the funds were for " interest and late fees. '' To add insult to injury, they are billing me for yet another {$47.00}. They actually owe me money. 

It is impossible to get information from their website relating to prior statements, total amount owed, etc. Once the date has passed, the information is taken down. I called them several times ( waiting on hold for more than 30 minutes each time ), emailed them a copy of the cashed check information and yet, they still charged me a late fee and did not apply the funds until XX/XX/XXXX. They charged a late fee the day after the amount was deposited into their account. This business is a complete scam and needs to be investigated by banking officials.

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 2022-07-06
Company: EQUIFAX, INC.
State: TX
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:
This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. The XXXX credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX .... violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 



XXXX XXXX .... 
Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Before Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms NA On record until XX/XX/XXXX Recent balance Not reported Credit limit or original amount {$300.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Discharged through Bankruptcy XXXX XXXX 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 

After Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms NA On record until XX/XX/XXXX Recent balance Not reported Credit limit or original amount {$300.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Discharged through Bankruptcy XXXX XXXX 
XXXX Account previously in dispute - investigation complete, reported by data furnisher Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2019-11-26
Company: La Casa Bonita Investments
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been paying a monthly fee to a company called 1File.org, however the transaction on my account always said " Department of Education '' , until 2 months ago. When I start this agreement with the company, 3 1/2 years ago I was lead to believe is was the Department of Education. I was told they work for the Department of Education and will send my application for the XXXX Loan Forgiveness and help with processing and handling my consolidated loan. I made two large payments in XXXX and XXXX of 2016 to start the process of consolidating my loans and applying for the XXXX, I was under the impression that the money I was paying would go towards my loan and they were handling all the paperwork, as the DOE. Since XX/XX/2016 I have paid {$39.00} every month. I was just informed, today, by my loan company that they are a third party company that reapply for me ever year. That I could reapply with them much easier and not need a third party company, after explaining my confusion and explaining who I thought they were I was given this website to file a complain. I have paid of {$2000.00} to this company, and they never submitted a teacher loan forgiveness application for me. Something I should have received years ago.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
as a result of the XXXX XXXX in XXXX, Ca. my insurance company issued a check to chase bank and XXXX XXXX. in order to get Chase Bank to endorse the check I first had to deposit the check into Chase Bank ... then I had to set up an account on line to view and submit the requested information to Chase Bank. Once all of the required information was received by the bank then and only then could you request an inspection to see if 50 percent of the work has been completed. The bank is supposed to respond back within 7 days of the inspection request that was submitted on XXXX. No one has contacted me to this date! That's problem two! Problem three is the fact that prior to receiving any insurance check I had more than 50 percent of the work completed! Now waiting to pay some of the workers ... It could take the inspector another two weeks to even come out after the 7 day wait! I would like to have my money now to pay for the work that has all ready been completed.. Its not chase bank money ... they didn't pay any monthly premiums ... this area has been devastated by the XXXX XXXX , a federal disaster area, and really don't need harassment by JP Morgan Chase ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I contacted Penny Mac Mortgage because was getting my house refinanced on XX/XX/XXXX. When I went through the automated to check my insurance dates it said that I had an XXXX home insurance policy and that it was still good. When I called XXXX to get a declaration page for the new bank, they informed me that my policy did not renew in XX/XX/XXXX and they sent XXXX XXXX a letter. Hence, they advised that I was sent XXXX too. I told them during the covid pandemic, last year there was a time I did not get mail. On XX/XX/XXXX, I contacted XXXX XXXX back and they advised they received the letter from the insurance company and did nothing. I could not get any insurance no matter where I called due to a lack of coverage for almost a year. After getting insurance from the Virginia Plan which does not include but XXXX in personal property, there is nothing else I could get. On XX/XX/XXXX, I spoke with XXXX XXXX who is a supervisor. She researched everything and advised that her company was liable and that she would reimburse the {$1800.00} that Penny Mac charged me for the lapse in coverage and assist with the personal property coverage. She told me to give her some time and she would give me a callback. After failing to reach her for several weeks, I asked to speak with her supervisor on XX/XX/XXXX and she took my call. She advised that her supervisor approved the request on XX/XX/XXXX and went on for final approval and was denied on XX/XX/XXXX by XXXX XXXX. The reason being is they are not responsible to notify me when insurance is lost.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX, Experian, XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy. 

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

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

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 2019-06-15
Company: EQUIFAX, INC.
State: ND
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 spoke with XXXX XXXX from XXXX and informed her that I had received a letter from her that XXXX was to be removed from my credit report and yet was still on there, XXXX informed me that she notified all 3 bureaus on XX/XX/XXXX and again on XX/XX/XXXX electronically that they were to delete the trade line and that she was going to send all three bureaus another electronic message to delete the trade line but its still on all three credit reports. I have the letter from XXXX stating it should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I recently checked my credit report and found that I had 4 outstanding balances with debt collectors. I have many problems with these debts. Firstly they are medical debts that were billed and paid by my state medical insurance. Secondly, these companies have never spoken to me prior to reporting these debts to the credit agencies and I know this because I was incarcerated. It is my understanding this is a violation of FDPCA regulations. Can you please help me resolve these issues. The following are the debts and agencies involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
So I sent a letter off on XX/XX/2022 verified/ certified mail. Here is my tracking number to my letters is # XXXX. The purpose of this letter was to remove personal information that I do correlate with my accurate information as well as accounts that do not correlate to my informations. In violation of U.S.Code 1681e ( b ) the compliance procedures conclude all information should be 100 % accurate. According to the fair credit reporting act 12 USC 1681. I have the rights to my privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2023-05-08
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Please correct and update this account.

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