BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: BARCLAYS BANK DELAWARE
State: MO
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:
XXXX XXXX XXXX signed me up for a credit card for a timeshare.We attended a presentation at XXXX XXXX XXXX in XXXX on XX/XX/2022. This was supposed to be a good thing for my family and it has turned into something Im not gon na be able to afford to use due to all the extra costs they lied about. We were lied to about being able to take 2 trips a year and them only costing XXXX points each. To take one trip with my entire family I would have to buy 2 years worth of points if the booking was through XXXX XXXX. Then the armbands are actually XXXX or XXXX dollars per person/per day, the per day was never explained or said to us. On top of all this the free trips they gave up are only valid for XXXX people and XXXX of them have to be under XXXX XXXX XXXX, another thing they never mentioned to us. All this deception is why we feel we should be able to cancel our timeshare membership. We were lied to and our credit was run without permission on a credit card that we did not authorize XXXX XXXX to charge

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 2019-04-08
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2015 Reported Limit {$1700.00} Reported as Identity Theft Filed complaint with Credit reporting to have it removed. They have not removed it. 
Contacted the credit card company and they can not verify the debt belongs to me. 
XXXX XXXX is saying I owe them {$2300.00} took me to court and provided false documents and could not verify the debt was mine. I filed and appeal with the court and a counterclaim was placed against XXXX XXXX. awaiting court date.

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 2023-09-21
Company: U.S. BANCORP
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a trucking business and for the second time a hold has been placed on account. This is ruining my business as driver is unable to purchase fuel to continue driving. There are plenty of funds on account to cover purchases and there is no reason for hold to be placed on account. I am told that hold is possibly being placed because this is a new account. This account is over 4 months old. I am told when I call that hold will be released but it will take 24 hours for hold to release. This is unacceptable as driver needs to purchase fuel immediately to continue to operate. He also has to sleep in the truck because he can't use card until hold is released. I am told by credit card supervisor that hold can't be released sooner as system is automated. This is costing my company money and ruining our reputation when loads can't be delivered on time. Money is removed from my bank account when payments are made but not credited to my credit card or at least not made available.

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 2021-01-02
Company: Experian Information Solutions Inc.
State: GA
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 XXXX has illegally re-aged this account and is in violation of the Section 623 ( a ) ( 5 ) of FCRA. 

In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action In the written statement XXXX  XXXX XXXX sent to CFPB, they state that the original date of Delinquency is XX/XX/XXXX but in my credit file they are listing XX/XX/XXXX. This is a clear illegal attempt to reage and a blatant violation of my rights. 

Also, XXXX  XXXX XXXX did not follow federal guidelines and report this debt to the credit agencies within 90 days. XXXX XXXX XXXX did not report this debt until XX/XX/XXXX which is another violation. 

This debt needs to removed from reporting. XXXX  XXXX XXXX has lied multiple times about the validity of the information they are reporting. This debt can not be reported by any agency due to the multiple inaccuracy and the failure to properly verify the debt.

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 2023-07-31
Company: Consumer Portfolio Services, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I opened an auto loan with this company in XXXX of XXXX. In XXXX, I filed for bankruptcy and they had my car repossessed anyway. They did it again in XX/XX/XXXX after I filed. In XX/XX/XXXX, I was in a car accident. I was still under bankruptcy. My car was gone after two weeks. I received no notice from the finance company. When I checked my credit report, they closed my account with a balance of XXXX. No notice. I checked again after a couple of days and it stated it was sold to XXXX XXXX. I had no knowledge of the debt being sold. No one gave me a notice, email, letter, text, or call. Now its showing as a collections account. I called the finance company and no one could tell me anything. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax, XXXX  and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. 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. 

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 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have tried several times to settle this matter with this organization. I have received numerous threats by this organization. On XX/XX/2021 I sent an affidavit of truth addressed to the CEO of the company. My affidavit went unanswered to 14 days until i received a letter still threatening repossession action. I have made this organization aware that they do not have my permission to share any of my information with any third parties.No third parties have security interest in the vehicle pursuant 49 USC 14301. The two attaches files will show how this company has ignored my request to settle this matter. They have also threatened me to change the lien holder as well without proving any claims. I requested the company proof of claim. On XX/XX/2021 I received an email which was not mailed to me and in addition addressed to the wrong person. Furthermore I have informed the company pursuant 18 USC 8 that these alleged accounts/ promissory notes are in fact obligations fo the United States XXXX I am now demanding the company to provide to me a more definitive definition of payment along with other questions that were not answered in my affidavit sent XXXX XXXX. Pursuant article 1 section 10 of the constitution debts can only be Paid in silver and gold. I refuse to violate any constitutional laws pertaining to this alleged debt. I also notified Transunion several times by phone whom stated they investigated. Pursuant 1681a ( e ) this investigation was not obtained through personal interviews with any neighbors, friends, or associates. NO such Investigation was done if so please produce to me result of investigations and interviews conducted to verify this alleged debt.

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 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XXXX, I attempted to get a credit report from XXXX  and Transunion. Both sites displayed a message indicating I had to call them, but attempts at calling were to no avail, and no one answered the phone after more than 30 minutes.

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 2023-02-22
Company: Cedars Business Services, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, Cedar Business Services alao doing business as Cedar Financial placed a collections account on all three of my credit reports for an alleged debt from XX/XX/XXXX from the Original creditor, XXXX. I did NOT make this purchase during that time. However I did make a purcahse with XXXX back in XX/XX/XXXX and I'm attaching the receipt so you can see that the purcahse that I made in XXXX of XXXX was definitely paid for. Now during this transaction that I did make in XXXX of XXXX there were several things that went wrong with the transaction. For starters, my card was charged twice for the one piece of furniture that I purcahsed which was a dining table set. I reached out to a Supervisor at XXXX and he assured me they would refund the charge because he seen where the account had indeed been charged twice for the one dining table set. They did refund my account for the second charge. Next, when the dining table set arrived the middle leg piece what the table sits on was broken. I again, reached out to XXXX and spoke with another supervisor who explained to me that they were sorry this happened and would send out the replacement piece at no charge to me. They did send out another middle leg piece for the table. This was the first and last time I've ever purchased anything from XXXX because of all the issues and me having to go through so much with them to get them to send out a replacement piece and for them to refund my account. I had to actually speak with a couple of supervisors because it took a while for the replacement piece to arrive. 
After this purcahse and debacle that I went through I have never dealt with XXXX again and have never heard anything else from them. 

Now years later, a collections company Cedar Business Services also doing business as Cedar Financial has placed an alleged collection account debt on my credit report saying I've made a purcahse from XXXX in the amount of {$590.00} on XXXX XXXX. I did NOT make this purchase and Have no idea as to what purcahse they are speaking of. The only thing that I can think of was the pircahse I made back in XXXX of XXXX amd all the mistakes that were made from my previous purcahse back in XX/XX/XXXX. 

I'm attaching a copy of the receipt where you will see where there were clearly two charges on my card and then you will also see where they refunded the second charge back to me. You will clearly see the one charge on my card where the purchase was indeed paid for. You will also see, where the replacement piece ( broken damaged middle leg was returned to them ). You will also see where they have something on there that says bad debt but this is untrue because you can see where they charged my card for the dining table set. 
I would like for the CFPB to have Cedar Business Services also known as Cedar Financial to remove this debt from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Nelnet sent me an invoice with an outstanding balance of XXXX. I have not applied for any type of student loan as I am not in college. The statement date was for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: WELLS FARGO & COMPANY
State: VA
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:
My application with Wells Fargo was denied. They stated it was because of a repossession on credit report. There is no repossession on 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 2021-02-17
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
{$260.00} was frauduantly taken out of my TD Bank account between XX/XX/XXXX to XX/XX/XXXX. 
Even thought TD Bank has all my contact info, failed to do it. so when i noticed this fraud on XX/XX/XXXX i called my branch where no one answered the phone had to call HQ and hold for several over 30 minutes before being finally connected to TD fraud unit where while describing my ordeal got disconnected, the rep did not try reaching calling me back!

had to call back and took another 30 minutes to reach Ms XXXX related my story and was promised will be credited the missing amount in 24hrs and will be issued a new Debit card, Now its XX/XX/XXXX i am waiting 4days!!! 
Also my 2 emails to refund the missing amount and cancel and reissue my Debit card has not been answered! 
Please Help and advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Company is practicing Retaliatory practices against my accounts for previous complaints filed by me they are denying legit claims and has not provided any evidence of what information they used to deny my claims it has surpassed the time frame on numerous claims that I was provisionally credited and the credit ( s ) have been unjustifiably reversed All claims that the company has reached out to me or weve came to a compromise or agreement in any regard of any complaints Ive filed are false they intentionally delayed response from emails and calls until the allotted response time has passed I want this company investigated and held accountable for their practices

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

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 2020-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I am Florida XXXX with my paycheck being deposited to the account. Bank of America is charging maintenance fees to XXXX in a pandemic at the end of the summer. My balance was low because of a court case pending with covid court dates changing Bank of America was a. Part of this litigation. Knowing all of these factors : Pandemic, A Florida XXXX in summer months, and litigation pending Bank of America charged and took maintenance fees from my account. Please this can not be legal to do consumers, XXXX I am a. Single mom I have done everything I am supposed to do and now during a pandemic schools opening summer litigation they are taking a maintenance fee. Please review Bank of America policies please if its worthy of a class action suit please include me as a plaintiff.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: CT
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 kindly request a revision to my credit report, particularly the removal of the existing public record. I have enclosed the necessary documents to support this appeal. Your assistance is greatly valued

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 2018-03-09
Company: Experian Information Solutions Inc.
State: VA
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:
There are many mistakes appear in my report without my understanding.

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 2019-07-17
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan servicing company is PHH Mortgage Services, XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX. I have been making regular mortgage payments, by way of bank drafts initiated by PHH, since XXXX, XXXX. From time to time, I have made additional principal payments, ten in all totaling {$10000.00}. I regularly track my activity on the PHH website ( XXXX ). To my discredit and chagrin, I only recently noticed the website offered less than complete information on my payment activity, and what was offered was confusing. The loan activity column on the website shows only payments made, the dates thereof, and the ostensible application to the loan. Worse, when I have made additional principal payments, the amount showed as applied to the loan balance is always {$0.00}. Nowhere on the site is there to be found a conventional amortization schedule which would reflect the missing information ; i.e., what amounts from each regular payment and additional principal payment are applied to principal and interest and the resulting principal balance.By letter dated and mailed XX/XX/XXXX, I requested a complete amortization schedule from the beginning of the loan, showing all the information detailed above. The only response has been a note, dated XX/XX/XXXX, stating PHH is still researching the matter. As all the information I have requested is within their knowledge and control, no research should have been necessary. This delaying response makes me question their sincerity in providing me with complete and accurate information. I have correspondence corroborating my allegations. Please investigate ; my Loan Number with PHH is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
" I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue. ''

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