BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-24
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
I had a credit card with Barclay 's. It was closed around XX/XX/XXXX, Mastercard ending XXXX. On or around XX/XX/XXXX XXXX XXXX issued a refund for a cancelled flight in the amount of $ {$1000.00}. According to XXXX a check went to the credit card that was used for the trip. ( XXXX ). Finally after five hours on the phone I spoke with the Security Dept of Barclay 's. According to the man I spoke to the case # XXXX has to be investigated because the account was closed because of fraud. Let me explain. 
A magazine, XXXX XXXX, submitted a bill to The credit card in amount of {$15.00}. I filed a protest and the account was closed by me. I have all the letters from Barclays telling me that I was not responsible for the charge. Now Barclay 's refuse to send me the amount refunded by XXXX. They deducted the above {$15.00}. I am XXXX years old and not in the best health. This is causing a lot of stress. I can't fight a big company without your help. f you need I have all the information. Please help me. I don't know how to send documents via the internet only by mail. 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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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 2021-10-23
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX {$5000.00} emergency transfer from XXXX  XXXX XXXX western Union departent. 
XX/XX/XXXX I called and canceled, supervisor said that the funds will be back in 3 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My federally protected consumer rights have been violated.

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 2020-06-14
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:
Hello, I submitted credit dispute letters to Equifax Information Services LLC on XX/XX/XXXX and XX/XX/XXXX regarding discrepancies on my credit report regarding a Chapter XXXX Bankruptcy ( see attached Equifax Dispute Letter XX/XX/XXXX ). Each time I request an investigation and correction to my credit report, Equifax does not conduct an independent investigation and simply states, " We have verified that this public record item is reporting correctly. '' Equifax has violated the Fair Credit Reporting Act by not conducting an independent investigation regarding inaccurate information on my credit report. Equifax states in their Equifax Credit Dispute Results letter dated XX/XX/XXXX, " This section includes public record items Equifax obtained from local, state and federal courts through a third-party vendor, XXXX. '' Equifax made a false statement because I have placed a Security Freeze on my XXXX Credit report ( see attached XXXX Security Freeze Letter XX/XX/XXXX ). I also attached a letter dated XX/XX/XXXX from the U.S. Bankruptcy Court - XXXX stating, " Please be advised that the filing of bankruptcy is a public record and this information is routinely collected by credit reporting companies and is not reported or verified by the court to them ... '' There is no way possible that Equifax independently investigated my credit dispute request. Equifax failed to obtain any new information from XXXX as it claims in their letter and the U.S. Bankruptcy Court - XXXX does not provide this information also ( see attached U.S. Bankruptcy Court Letter XX/XX/XXXX ). 

This proves that Equifax did not conduct an independent investigation on my Chapter XXXX Bankruptcy, and I am requesting to have the item removed from my Equifax credit report immediately. 

Please help me with this case. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This has been a repeat issue with XXXX XXXX the account there trying to have me pay on wasn't ever made by me the repeat phone calls at all hours and letter threatening to turn off my cable service now if not paid is on going threatening and there poor customer service skills aren't warranted at no time did I set up service at XXXX XXXX XXXX XXXX XXXX XXXX, Florida and when i asked them did the person give a proper I.D that's valid?? I've had service with this company for years and never before had customer service or experience this before and this needs additional attention not from me ... ... last message I left for them was XX/XX/2020 @ 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 2020-06-14
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
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 have made several attempts to solve this problem with no success and XXXX hasn't responded to any of my inquiries. Revenue Recovery Corp is not my debt and it has been over 30 days for my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debtor would not send letter of debt verification, extremely rude and unprofessional comments. laughing in the back ground put on hold and never came back to phone, repeated attempts to return calls and they just hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Keystone Law LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im emailing to file a formal complaint about the incorrect billing to me on a mistake XXXX made. Last week ( XX/XX/XXXX ) I received a debt notice in the mail from Keystone Law LLC. This was my first communication that XXXX was even seeking money owed. After calling the customer service line for what the bill was for, it is in relation to a huge mistake XXXX made last year and the charges are a result of XXXX  failure to correctly label and ship my packages which resulted in hours of lost time and damaged property for me. 

Last year ( XX/XX/XXXX ) I moved abroad and hired a company to send my bags internationally to XXXX. They contracted XXXX to send the bags. XXXX incorrectly listed the county of destination as XXXX XXXX XXXX XXXX  ), not XXXX ( XXXX ) and sent my bag to XXXX XXXX. They initially refused to admit fault even after receiving documents from both myself and the moving company showing it was their fault. After three months of the moving company and I calling nearly every day, the moving company was able to get XXXX to admit they made a mistake and have my bags sent to the correct address in XXXX. 

Then, nearly a year later, XXXX used a debt collector to bill me for duty and import taxes amounting to {$440.00} for XXXX XXXX. The customer service representative confirmed that the charges are related to customs and duty for XXXX, XXXX XXXX. My bags would have never even been in XXXX XXXX if not for the mistake of XXXX in incorrectly labelling the country and causing me months of XXXX 

This has been the worst shipping experience of my life. This bill is extremely incorrect and unlawful as I have in no way consented for any of my things to be sent to XXXX XXXX, nor do I believe I should pay for duty and tax for XXXX XXXX as a result of XXXX 's mistakes.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had 2 instances ( XXXX & XXXX XXXX ) where money was sent to Firstmark services to pay off balances at their current times/prices and the money was mismanaged both times ( with admission of mistakes ), resulting in me having to pay extra to get accounts current, extra to pay for the late fees from the initial time of the issue till its resolution, and all while my interest keep accruing and rising. I tried multiple time to refinance to make the payments more manageable but was told my income was too low to refinance my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
ACE Flare card closed my account XX/XX/2020. I contacted them to get the reason for the account closure. I've had nothing but problems with this company using my card. I am an XXXX American and once a couple of months ago, an ACE card rep said the XXXX word to me and put me on hold for 30 minutes and then the call just hung up .My card was put on fraud risk for each and every transaction I made. When Is asked about the remaining balance, I was put on hold and the call was hung up .The debit card number for this account was XXXX XXXX XXXX XXXX XX/XX/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 2022-12-16
Company: GOLDMAN SACHS BANK USA
State: NC
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 applied for an Apple card thru Goldman Sachs. they approved and sent out a card. I could not get the card activated so I called to activate ( XX/XX/XXXX ) They could not activate card after 2 months back and forth calls. They told me to reapply which I did ( XX/XX/XXXX ) the second card was activated and I have been using it since XX/XX/XXXX. I recently checked my credit report and found Goldman Sachs had reported the first card which was never activated, used, or had a balance of any kind as a charge off on my credit report. I immediately called Goldman Sachs ( XX/XX/XXXX ) and after multiple calls they told me I had tried to open a card with them with my fathers apple ID. this was not true and they had given me a second card with the same information in XX/XX/XXXX. I believe someone at Goldman Sachs reported the first card as a charge off and now they can not figure out how to take it off my credit report. who knows how much damage has been done to my credit with a charge off there for almost one year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XX/XX/2022 BANK OF AMERICA IS HOLDING MY SOCIAL SECURITY CHECK DUE TO INSUFFICATION FUNDS THEY SAY I OWE THEM XXXX. SO I HAVE NOT RECEIVED MY SOCIAL SECURITY CHECK. I HAVE CALLED BANK OF AMERICA SERLE TIMES AND THEY KEEP SAYING THERE WORKING ON IT. TODAY XXXX XXXX I GOT A PHONE FROM THE BANK OF AMERICA THE BRANCH AND SHE HAD A DEBT COLLECTOR ON THE OTHER LINE SAYING THAT I CAN MAKE MINIMUM PAYMENTS TO FIX THE DEBT THAT THEY THINK I OWE THEM. THE STORY IS I ORDER CASHIER 'S CHECK ON XXXX XXXX FOR XXXX CASHIER CHECKS. BANK OF AMERICA IS SAYING THE CASHIER 'S CHECK DIDNOT CLEAR TILL A WEEK LATER, AND BANK AMERICAN IS SAYING THEY HAD A ELICH IN THE SYSTEM SO MY BANK ACCOUNT IS OVERDRAWN, AND NOW IM IN THE NEGATIVE DUE TO THEIR WRONGDOING, WHICH IM PAYING FOR. I CANT PAY MY BILLS IM LATE ON ALL MY BILLS

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 2021-02-15
Company: JPMORGAN CHASE & CO.
State: AZ
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:
In XX/XX/2020, AMAZON featured a new XXXX laptop for purchase through a third party marketplace seller. But its seller sent me a " refurbished '' unit worth hundreds less instead. I complained to AMAZON and it suppressed my feedback. It also gave no support in return process. SO it was returned on XXXX to AMAZON 's warehouse and USPS said it was delivered. But Amazon refused to communicate again. Instead, it deferred my refund requests ; {$1400.00} charge was disputed at CHASE VISA. At CHASE, its Disputes area reversed charge, anonymously slanted communications to exclude key facts, and pretended Return Policy controlled transaction from getgo. CHASE came back AMAZON 's false inference that my original order for NEW was fulfilled. Instead of acknowledging my feedback to contrary, it anonymously rambled off AMAZON ' order record, tracking record, delivery record, etc, while falsely asserting its order fulfillment evidence justified the charge for alternative item ; hence, I was found responsible for charge on review. So I tried CHASE executive branch for review, but got nothing in terms of a reply except COVID 's got us down, see you later. By focusing on false inferences created at AMAZON in Dispute area, CHASE de-emphasized my timeline of events and completely glossed over the fact that AMAZON never disputed a wrong item was sent to begin with. CHASE behaved as if order was fulfilled, so full charge was warranted. If you send the wrong item a full refund is immediately due. It sketched over my return to shipping address given and delivery status for XXXX XXXX XXXX XXXX XXXX XXXX. Instead of advocating for me in AMAZON 's fraudulent activity that my card is supposed to protect against, CHASE skirted my attempts to reach out to its executive team and clarify what the facts are here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To my knowledge and records, the following accounts do not belong to me and/or are fraudulent. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I challenge the accuracy, compliance and reportability of this listing please validate this information with all reporting companies that furnished this undue debt and provide me with copies of any documentation associated with these accounts, bearing my original wet signature. In the absence of any such documentation bearing my wet signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
***I do not consent to e-Oscar or any means of automated verification. *** Please block the following information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


Please see the attached dispute letter and identification.

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 2022-06-01
Company: EQUIFAX, INC.
State: AK
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:
After reviewing my credit report, My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file and you must comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TransferWise Ltd
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Hi there, I made a transfer via ACH wire at XXXX XXXX XXXX to repay a debt amount back to a XXXX XXXX another Wise user into their USD account. 

I did transfer the money from my account which is XXXX XXXX XXXX, the account is linked with my XXXX wise account ending in XXXX. 
They rejected this payment as it did not match the name XXXX, in which I stated that XXXX is the head company and no bank accounts are associated with this at the present. 
I explained this and sent all documentation explaining this with my ID, bank statements, and closing docs for the property sale pertaining to the loaned funds being retuned. 
After some back and forth they finally accepted this and issued a refund. 

I have been waiting for my refunds of {$24000.00} USD to be retuned. 
All the help center can tell me is that the refund has been actioned and will be returned to the original source. 

I have been waiting for these funds to be returned for over 30 days. and I feel they are just stringing me along. 

they only correspond now with email and no contact phone number. 
I have used this company for multiple transaction across the globe however this is the first ACH transfer I have ever done with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 right to privacy. 15 U.S.C 1681 Section 604A 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