BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: BARCLAYS BANK DELAWARE
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
Friday, XX/XX/XXXX XXXX XXXX XXXX XXXX ran my Old Navy credit card crediting it {$150.00} without my authorization. Without me purchasing anything and without me receiving any services. I signed nothing and immediately disapproved and was told the charge would be credited back to my card by the following Tuesday, XX/XX/XXXX. 
Tuesday the credit was not returned. I visited XXXX XXXX XXXX XXXX  and was told the credit would be returned to my credit card on Friday, XX/XX/XXXX. 
The lady who assisted me would not give her name so I wrote the business stating I wanted the money credited back to my account and received no answer. 
I called Barclays Bank and disputed the charge. Stating I did not give authorization. I did not sign anything or received any services or products from XXXX XXXX XXXX XXXX. 
As it stands Barclays Bank gave my {$150.00} to XXXX XXXX XXXX XXXX without XXXX  XXXX XXXX XXXXl giving me anything in return or authorized to do so. XXXX XXXXXXXX XXXX XXXX  stole my money with Barclays Bank help. 
After going back and forth with Barclays Bank I paid my balance leaving the {$150.00} plus {$1.00} x 2 the cost to fax the dispute letters and closed the account. I didnt add the first fax fee of {$7.00} because at that moment I couldnt find the receipt. Barclays Bank reopened the account and start charging me interest and late fees. 
Since XX/XX/XXXX Barclays Bank calls me on the advantage five times sometimes more a day. Only four representatives ever spoke on the phone, one said she was closing the account again, one sent me statements, and all four of them said they were sending my dispute to the dispute specialist. The other 100s of calls have no communication. I answer the phone and say hello and the person on the other end hangs up. 
I seriously think there is a communication problem with Barclays Bank representatives. The representatives I spoke to when I opened the dispute did not seem to understand or hear me say I received nothing. No service no product and I did not authorized the transaction. It sounds as if they were reading a script or AI programed to repeatedly say there is no dispute. 
Barclays Bank gifted my credit and now expects me to give them {$150.00} to pay for a gift I did not give. 
Please investigate Barclays Bank. Something is definitely not right. I have the account with Barclays Bank. Why would a Barclays Bank not look at all the red flags associated with XXXX XXXX XXXX XXXX theft and call 100s of time, saying nothing then hangs up?

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 2018-11-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Servicer I appreciate you assisting with matter. The matter remains unresolved. My tax payments being paid contract by XXXX continue to be applied to another party claiming ownership to my home. My concerns are third party continue to use my property tax statement and payments to claim ownership. As well as block refinance and title insurance to sale/buyer - options. At this time I want to keep my home. I may have no choose but to sale with constant abuse of my rights. The third party does not appear on title record as owner at no time. You have previously provided letter to confirm ownership in my name. Here is the latest email from XXXX  below ; Consumer Reported Issue : Incorrect owner for XXXX XXXX XXXX XXXX, XXXX XXXX, CA ( XXXX XXXX ) Hello XXXX XXXX, In an effort to assist you with resolving this matter I reached out to XXXX Dept of Consumer Affairs or XXXXDCA on XX/XX/XXXX and was referred to the Assessors Office / Ownership department. I spoke to XXXX in that department. XXXX confirmed the assessor record is accurately reflected as it was delivered to XXXX with the owner name of XXXX XXXX XXXX for property record XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. 

This information can only be changed by the county assessor within their property data records with the proper supporting ownership documentation. Therefore, I must suggest again that you please contact the county going forward to resolve any issue you may have with the source property records data that XXXX obtains from the county. XXXX has no authority to change the data. The contact information I used to confirm this information with the county assessor is : Assessor XXXX for English press XXXX, then press Option XXXX > Ownership. ( you will need your assessor identification number XXXX ) For your reference, the XXXXDCA, XXXX XXXX County Dept of Consumer Affairs phone number is XXXX. 

I sincerely hope this information helps, Thank you, XXXX XXXX XXXX Associate, Data Research & Resolution Enterprise Data Operations XXXX   Since XXXX I have worked with XXXX to correct record multiple times - the realist report etc after the legal team investigated title records. However this time I made the mistake by disclosing whom was assuring me at XXXX. Now XXXX claims tax accessors controls whom owns property - she stated to me directly XXXX  has corrected record multiple times and are not sure what to do. XXXX  currenlty holds the contract to pay my taxes - my question to XXXX whom is XXXX paying taxes on behalf of. The XXXX  title records reflects me as owner and third party as owner. 

The tax records are being used to STEAL my home. I have tried to resolve and have resolved some challenges except tax records. The tax record challenges continue to cause hardship in finances to name a few.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: TN
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:
Due to repeated times trying get discover card services, XXXX XXXX  removed form credit report in requesting it be deleted those account are result of fraud and I will not pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: R & B Corporation of Virginia
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX originally creditor account # XXXX admission date XX/XX/XXXX I believe I was over charged and outside of that I was placed on a payment plan and in XX/XX/XXXX the last payment was posted and then when my plan card updated they failed to send me a new statement or request to change to a new card. My payments were to be cut off once my financial assistance application was approved dated XX/XX/XXXX. Once I saw no more payment it was my understanding the balance was paid off. Since that date I also received no more correspondence from the hospital. I then received a notice from collection agency that i was reported to them Credit control corp of Newport news VA. I have no idea if the balance is correct or if I was approved for a payoff. I disputed the bill with the collection agency but they refused to remove it from my credit and I called the hospital and they refused to correct the issue and the rep was rude and dismissive and made me wait on the line to get a supervisor 's number intentionally because she was upset i cussed because i feel the hospital had no regard for me, or my financial situation to send my account to a 3rd party with no contact or notification. Then i offered to pay them directly and they refused. and they refused to remove the acct from the collector. I feel like there practices violate collection act, hippa and I am requesting a goodwill deletion from my credit report due to the errors by the hospital collections department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
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: Account information incorrect

Complaint:
This account is paid and needs to be removed

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 2023-12-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please remove these unauthorized inquiries.

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 2023-04-28
Company: SN SERVICING CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had several complaints with this mortgage company. Funds were paid to the company on my behalf in the amount of {$34000.00}. I have ask for any elementary explanation of how the money was applied. The amount owed was {$27000.00}. I have ask how the funds where applied and where is the remaining amount. They have since sent me a spreadsheet with language only they would understand. I want it explained to me as if I was a XXXX XXXX XXXX  so it's clear where and how the funds were disturbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following items are not authorized inquiries in which the company does not allow you to dispute the inquires online and when calling your turned away by the rep. the following items are not authorized : Factual Data 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 2018-11-27
Company: Experian Information Solutions Inc.
State: FL
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 sent a dispute letter to Experian back in XXXX after reviewing my XX/XX/2018 credit report. I noticed a bunch of inquiries that I never made so they are unauthorized. I sent a a dispute letter with identity theft documents and I never received any correspondence from experian. I want these unauthorized inquries removed from my credit report immediately.

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 2023-12-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit 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:
XX/XX/23 till present, Purchase {$1000.00}. Package that needed signature was delivered but absolutely not possible since I was at work during the delivery notification came for this package that was signed with my name misspelt wrong on the app and possibly handed to the wrong person/apartment. I have proof and receipts that I was NOT able to be the one to sign it. I was at work when the package was delivered at XXXX as it shows in the attachments. I can use my job site as an alibi. I spoke to XXXX a dozen times, provided a valid police report, and so far dealing with a dispute with the store card carrier Synchrony. Spoke with leadership and said they'll provide a refund after verification identity, I did that, still nothing. They are giving me the run-around. 
Someone else took my package under my name. Documents listed below.

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 2023-12-11
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: Their investigation did not fix an error on your report

Complaint:
Please send my letters to XXXX. Experian and XXXX. 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 2023-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
A charge was made without my authorization, When I call to quote a trip and the representative XXXX filed the charge without me authorizing it, because I was not sure yet, I indicated that I was going to call her back because I had to consult with the other travelers if they agreed with the trip because we had XXXX  XXXX and I sent the positive tests to the bank as proof and we indicated the error or the charge they made without even agreeing with the reservation, XXXX the representative of XXXX for getting out of the way and not waiting in the line charge my card for the amount of {$1700.00} because I had already taken the information from my bank and told me do not worry that you can dispute it and you will be refunded the money for the error, Unfortunately, this was not the case. I demand that Bank Of America and XXXX by XXXX return my money. It is their problem for not waiting patiently on the phone in what we consulted. Nor do I enjoy any paid service, they kept my money without giving me any option, only to claim that it would be returned, but the problem is that I do not authorize that they submit that charge at any time and I demand my money back, it is not fair that in the middle of the same call they indicate one thing and do the opposite more when I do not enjoy any service for which they were paid. I want you to help me solve my case and get my money back because it is not fair to be billed for a service which was not purchased and not authorized on my part. I understand that the error of the representative I can not pay, also one by law has 24 hours to cancel a reservation which only passed a minute since the representative XXXX told me what I did and I indicated my disagreement. The bank denied my dispute and I have the right as a loyal and excellent customer.

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: Personal Finance Center
State: GU
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
the company refuse to tell me why there is a large pay off when the Loan matured on XX/XX/2023, they will not tell me way or show. or send paper work to way Now they say there going to sue me for a payment. Of XXXX. XXXX of which is not mine this is a Predator. I am XXXX livening on SS The want me to take a loan out to pay them. At a rate of XXXX present Please help sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company Chexsystem violated multiple FCRA laws including accuracy, fairness, and permissible purpose. Chexsystem stated that they verified the accounts and stated that the information was accurate. How did Cheksystem verify the accounts were accurate if I the consumer never received any notice from Chexsystem verifying if these accounts were mines?

2nd reason the account numbers are not fully showen as you see I the consumer marked in my consumer report as proof. incomplete and inaccurate report so how do I the consumer know if these account numbers that are not fully displayed are mines? 3rd reason is that I the consumer never authorized Chexsystem to report any transactions to my consumer report. 

Accounts XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX disclaimer Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

FCRA Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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  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 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 2021-07-23
Company: EQUIFAX, INC.
State: PA
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:
I have been reaching out to Equifax concerning to previous complaint about the inaccuracy being reported on my report. However, Equifax have failed to provide me any feedback and updates with regards to my concerns. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: FL
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/XXXX  XXXX/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 2023-12-11
Company: Experian Information Solutions Inc.
State: GA
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:
Trying to purchase a home realizing I have damages on my credit report XXXX XXXX XXXX. Is a collection agency. The original company sold my debt which is now in collections and this company is reporting late payments every month and there not the original owners of the debt can be a collection agency and still reporting late payments this is defamation to my character. 15 usc 1681 law please help

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