BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-29
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent Barclay 's Bank a payment of {$4000.00} with 4 money orders in the amount of {$1000.00} each. They processed 3 of the 4 payments which equals {$3000.00}. {$1000.00} of it is MISSING? I was asked by the 1st Barclays rep to contact the United States Postal Service and get copies of the front and back of each money order which I did for a fee. 

ALL 4 money orders have been cashed by Barclays Bank via XXXX XXXX XXXX   acct # XXXX. Barclay bank has my money and hasn't credited my account. 

This is bad business on Barclays. I have not only did my part by making my payments, but also have proven being reasonable doubt that I made the payments and that Barclay has cashed them and deposited into there XXXX XXXX Account I asked if by faxing them the copies of the cashed checks could the expedite my claim and they said NO. If we were talking about {$100.00}, okay lets wait 25 days, BUT were not. Its {$1000.00} that isn't being credited to my credit-card and i'm being charged interest on it. {$1000.00} is Grand Thief and as far as I'm concerned they stole my money. What financial institute doesn't reconcile daily? I work for a financial institute and were required to balance each day and have resolution.

I want to file a Grand Thief complaint.

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 2023-05-01
Company: EQUIFAX, INC.
State: CA
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:
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX  Balance : {$3.00}, XXXX XXXX XXXX XXXX Balance : {$440.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX has repeatly changed the XXXX of alleged 30 day late payment, first it was XXXX and now XXXX. I have the invoice showing that no payment was late in XXXX. Please assist and instruct XXXX XXXX to delete my account as I have refinanced due to the damage caused by their reporting system of reporting and rereporting several times. Thank You, for your office 's assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove the items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX BANK XXXX Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX. XXXX & XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$480.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since XX/XX/2022 I have a Credit Card to build my credit. However, payments are not beingreported to XXXX. I contacted the Bank, but the " Capital One Credit Bureau resolutions '' department only receives complaints by letter. I sent the fi rst letter with the instructions received by calling XXXX ( XXXX ) XXXX. On XX/XX/XXXX, I received a letter asking me to send again the samedocuments as the fi rst letter, saying that they did not have enough proof of my identity. I sent the otherletter, following all directions. On XX/XX/XXXX, a letter was sent to me, with a generic response, saying that the reports were made. However, in contact with the XXXX agency, I was informed thatthere is no Capital One report in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: CA
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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX sent a letter stating they would correct the past due notice on my credit report, but they indicated the wrong month in the letter. When I contacted them to correct it and report the month of XXXX as not past due, they indicated I would have to submit a new report. XXXX was the last case number that I used for CFPB with all documentation. They are still reporting the month of XXXX as Past Due and it should not have been reported as such based on the policies I presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I was trying to purchase a car for my son via XXXX. I thought the person I was talking to was the person I knew. They told me they had multiple people wanting the car and to secure it a deposit of XXXX was need so I made the transaction through XXXX when I realize like 30 minutes later I was scammed I called the bank to dispute it. First I spoke to someone close to XXXX XXXX the same night and they told me the money would be back by the end of the next day if not to call back so I called the next day and someone to me I had to submit a claim to chase when I did the claim they emailed me back saying they cancelled my claim. So I called bank again and a representative told me I had to call XXXX and make a claim or dispute so I XXXX a number for XXXX and called so when they answered they knew my name and information and ask if I was calling about the {$500.00} XXXX transaction I said yes, then they told me I had some pending transactions on XXXX since they had gotten me through XXXX. They told me they owned XXXX and XXXX I asked for a name, ID number and they provided that information so I thought it was XXXX, They ask me to down load an app and no one could see information but myself then they asked if I knew of someone trustworthy to XXXX the pending transactions they had on their end and the person would send it back. I sent my daughter XXXX XXXX XXXX and she sent it back then they told me I had one more pending transaction for XXXX I sent it to my son and he sent it back so when i went to check my bank account they had done unlinked my debit card and my money was gone and the phone hung up. I immediately went to the bank and the tell called did a claim they said once it cleared they would deposit money back. It was a Thursday I went back Tuesday it was a different outcome they wouldnt put the money back because it look like I made the transaction on XX/XX/XXXX. I have been going back and forth for a manager since the XXXX of XXXX. He finally called XX/XX/XXXX because I wanted his supervisor. If they would not hVe told me to contact XXXX this would not have happened

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing with XXXX Transunion and XXXX since XX/XX/XXXX and have not gotten anywhere with them so this is why i am here All 3 credit reporting agencies have failed to conduct a reinvestigation which is a violation of 15 usc 1681i ( a ) ( 1 ) ( a ) The following accounts have the following violations and need to be removed form the credit report. 

XXXX XXXX loan # XXXX Transunion and XXXX violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed even tho i have multiple times. 

XXXX XXXX Account XXXX XXXX violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed on XXXX and transunion even though i have multiple times. 

XXXX XXXX Payment history is inaccurate from XX/XX/XXXX to XX/XX/XXXX between XXXX  transunion and XXXX. therefore this is a failure that they failed to give the furnisher relevant information and self violated 15 usc 1681s-2b.

The following collections need to be removed and all have violated 15 usc 1681s-2b XXXX- XXXX Transunion and XXXX XXXX XXXX service- XXXX ( Transunion )

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 2023-05-31
Company: Experian Information Solutions Inc.
State: NY
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:
Three bad accounts appeared on my credit report after I paid off three credit card bills and requested that they be deleted. They are not permitted to do this without my permission, especially considering that I paid the bills off. I sent a dispute letter to each of the three banks, XXXX XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX therefore XXXX should also have that. Now I am filing this complaint so that I can get a faster solution to this problem

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 2021-12-25
Company: RMS-Recovery Management Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XX/XX/XXXX I spoke with an agent ( XXXX XXXX ) from RMS-recovery and stated that the debt is not mine and I am calling to dispute it and would like to know the steps needed to take to dispute and remove it from my consumer report. The agent insisted that the debt was mine and also that it is valid saying that I have a responsibility to pay them, and I told them that I would like written communication of the described debt and that is the only way I want to be contacted from this point forward via mail. Also, I am not making any payment arrangement nor am I claiming this debt is mine. 

on XX/XX/XXXX I wrote a letter stating that this debt is not valid nor is the described debt mine. I am not claiming liability for it and it should be removed from my consumer report. I have a certified mail receipt # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Received a letter from XXXX stating the described debt which was only a bill from the original creditor, then I received a phone call from XXXX XXXX. then she began to harass me while I was enjoying my vacation time with my family for XXXX. Literally 3 days before the holiday. Stating that I need to pay that debt. I told her that I am not responsible for that debt and I sent in a letter in the mail. She then spoke over me saying that I will mark this debt as a refusal to pay and you will face penalty charges and fees and it will affect negatively on my consumer report and hung up the phone on me. I then began to call the company wanting to speak with the agent about the debt but then she continued to pass me off to a different agent over 3 different times. I had to speak with a different agent to describe the situation and I explain to them as kindly as possible that I would not like to ever be contacted by phone from this company ever again and that they need to remove their negative information from my consumer report. I've never been treated with so much disrespect in my life. this is illegal and they also violated my 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 explanation
Consumer complaint received 2023-11-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I submitted an application for a credit card with my bank user on XX/XX/2023 and was denied. I called into the bank to ask why I was denied because of lack of income, which goes against the equal credit opportunity act. I also left a phone message about the denial and violation, and was met with a reply that enforces there are no errors in their decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Receivables Performance Management, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do NOT owe {$610.00}. My VERY brief account with XXXX XXXX in 2020, should be {$200.00} at the MOST. I was waiting for XXXX XXXX  to Adjust the amount to a lower amount since I promptly returned their equipment in the winter of 2020. We chose to not have an account with XXXX XXXX ( or any cable company for the same reasons ) due to their Deceptive business practices with payment postings, amounts owed, and overall quality consumer satisfaction which is very low. Please help get this incorrect inflated amount not owed removed off my credit report. 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 explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: CA
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 did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed 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 2021-06-10
Company: Rent Recovery Solutions
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I signed a lease for XXXX starting XX/XX/XXXX until XX/XX/XXXX. I gave a 60 day notice prior to moving out and not renewing my lease. All of XX/XX/XXXX my account showed no balance due. If I owed, there would have been an eviction notice on my door on the XXXX. I returned my keys Friday XX/XX/XXXX, but because covid restrictions had just been put in place, I was not allowed to enter the office and was told By the manager XXXX to give them to the maintenance guy that was standing in the door way of the office. There were no papers singed and as stated in the lease a final walk-through should have been done together. Then recurved a final notice on XX/XX/XXXX in which stated I did not move out until XX/XX/XXXX. 

( Tried to attach documents but the website seems to not be working, I can email them if needed )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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:
This is not mine. 
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 2021-12-25
Company: Square Inc
State: NV
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:
On XX/XX/2021 I purchased a fiber optic XXXX tree online and paid with my cash app debit card {$41.00}. On XX/XX/2021 I submitted a request to cash app to dispute the charge because I have not received the tree and I tried reaching out to the merchant but received email address not found message back. Which after submitting my request to cash app I decided to officially email a dispute request letter to cash app and signing as well and attach screenshots of the email address not found message that I received which I did that on XX/XX/2021. So after I emailed the dispute letter I decided to follow up with cash app to make sure they received everything they needed to start their investigation. So I chatted with them and the representative assured me that yes they did receive everything and that I would receive a response from them 10 days from the initial date that I submitted the dispute which was on XX/XX/XXXX so 10 days was XX/XX/XXXX and he also gave me a claim number for the dispute. On XX/XX/XXXX I contacted cash app to check on the status of the dispute and the representative told me that I didn't submit the request and therefore they haven't done anything so I needed to go start the whole process over again. So I said I have screenshots of me chatting with you guys a few days ago and I was assured that you guys had everything you needed. And then he left the chat so unfortunately I have not been able to get anywhere with them. The dispute letter that I emailed I had actually gotten it from your website the template. Here is my cash tag name XXXX XXXX and the case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have become aware of a large sum of debt that has been obtained illegally using my identity and personal details. Most of the debt is due to collection accounts from utility and telephone companies. I have contacted the credit furnishers and credit agencies but have had no results or actions taken to help me recover from the thefts. I have since educated myself on the laws that protect me from these unjust acts. I Now am submitting my dispute and docs with cfpb so that I have record proof of the complaint since my prior mailed and site uploaded disputes have only been ignored and not completed within the laws guidelines according to the fcra.

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