BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-19
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2019, I did a promotional balance transfer from a Carnival Master Card issued by Barclay. The balance transfer was never issued to my Visa. I was charged the transfer fee of XXXX and the transfer amount of XXXX. I begin making calls on XX/XX/2019. They informed me the balance transfer number was wrong and is being investigated. They informed me the issue would be resolved in 30 days. I called back XX/XX/2019. They informed me they have expedited my issue and it should be resolved 24/48 hours. They told me to call back on XX/XX/2019. I waited and called back XX/XX/2019. The person I spoke with said it will take 30 days to be resolved. I explained to them it has already been a month and a half. He hung up. I called back spoke with another person. I requested a supervisor. I was told it will take 24/48 hours. I am concerned this transfer is a scam.

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 2020-12-17
Company: I.C. System, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt is over 3 years old and the collection agency is reporting it as a debt from this year. They are not showing the date of last activity with the credit grantor as required by law

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 2023-09-26
Company: EQUIFAX, INC.
State: TX
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:
This is my 3rd 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 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$22.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
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:
THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX - ( I PAID OFF AN OLD ACCOUNT BUT THIS INQUIRY HAS NOTHING TO DO WITH THAT ACCOUNT. THIS IS A NEW REQUEST I DID NOT AUTHORIZE XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - THERE IS AN OLD XXXX ACCOUNT ON MY CREDIT, WHICH IS BEING REMOVED DUE TO FRAUD. THIS INQUIRY OCCURRED AFTER AND WAS NOT AUTHORIZED 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 2021-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My Bank of America checking and savings account was closed last Friday XX/XX/21 without ANY warning. My card got declined and when I check online banking it said " Account Locked '', and gave a number for the risk department. I was sent on a wild goose chase to different BOA locations, only to be told I had to call the same number. Luckily I had a car to drive all cross XXXX. After 5 phone calls and being on hold for a total of an hour and a half, I was told that " BOA closed my accounts were closed as a business decision ''. The risk department stated that BOA did not owe me any explanation, because I had signed something upon opening the account that allowed them to close the account at any time, without explanation. There was NO regard for my being an account holder for over a decade, and having thousands of dollars direct deposited over the years ; or for the bills or multiple errands that I had planned to run on last Friday. The customer " service '' was harsh and aloof. I was totally shocked and scrambling to find open a new account so my paycheck won't get bounced back to my job. There is no fraud on my end, nor nothing unusual that occurred. And my funds have been frozen until an investigation is done then my money will be mailed as a cashiers check. Horrible, inconsiderate bank! More like robots than human beings. I was treated like a piece of paper instead of a person. I have received alerts for certain purchases, asking if I authorized it. But when my livelihood was disrupted suddenly, there was no contact or any sort of warning. They need to be shut down. I did nothing to deserve such treatment as a valuable 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 monetary relief
Consumer complaint received 2023-06-28
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: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2023-10-19
Company: WorldRemit Corp.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
In first week of XX/XX/XXXX I requested copies of all sent transactions between XXXX XX/XX/XXXX. They said they would not provide since they had canceled my account. I argued that it was their choice to cancel my account but that I was legally entitled to my sent transactions history. They refused.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
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:
I received a 1099-C evidencing the cancellation of the debt of {$19000.00}, linked to the account : XXXX ( attached files ) Since it has been over a week since I receive this information I find it upsetting that this has not been reflected on my credit report and file. 

Yesterday, I filled a claim with Experian and they closed my claim stating that it is a duplication. And they did not allow me to provide them with notice from XXXX. I have been economically hurt and will seek damages. 

This is also a violation of the Privacy Act of 1974. 

XXXX XXXX ( Exact name of registrant as specified in its charter ) XXXX ( State or other jurisdiction of incorporation ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXXXXXX  ( Address of principal executive offices ) XXXX ( Commission File Number ) XXXX ( I.R.S. Employer Identification No. ) XXXX XXXX CFO as well as other responsible parties will receive a civil suits. 

I filed a complaint with the OCC, FINRA, and the Attorney General.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: NM
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 a collections account show up on my experian credit report that is not mine. When I disputed it they sent me info with the wrong name. They claim they have verified the account which is impossible since I never opened an account with XXXX XXXX, they dont service my area.I dont understand how they can verify my account when they dont have my name correct. I have a spotless record of no late payments for 20 years and this XXXX dollar collection account that is not mine is now adversely affecting my credit.

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 2021-10-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 I disputed the following information with Experian, XXXX, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, Experian, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
Experian Negative Accounts : 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 Negative Accounts 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 Negative Accounts : 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 explanation
Consumer complaint received 2021-01-11
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I disputed these accounts on my credit report and asked for proof of validation or remove the account. They never provided proof of validation and still have the account 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 2021-06-12
Company: DISCOVER BANK
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Today, I applied for a Discover card which offered a rate between XXXX and XXXX depending on credit history. 

I was approved for the card, but the APR came in at XXXX!!! 

I have XXXX plus scores on all my bureaus, low DTI, 30 % credit usage or better, Credit history over 15 years. 

I questioned the Discover agent and she stated that rate came back according to all their credit factors!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: WA
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:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. I also noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I was also never late and I always pay on time. Please remove this inaccurate information and accounts that can not be verified. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

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 2022-10-12
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States i have the right to privacy.

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

15 USC1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page 4 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue but I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be 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 2020-02-27
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have called twice ( once today, XX/XX/2020 ) and once on approximately XX/XX/2020 to request my account be reviewed for a lower than the maximum interest rate. I believe that they are charging me substantially more than they should be due to how my bill looks and due to the fact that I make on time payments regularly. The XXXX call resulted in the gentleman looking at my account and telling me I would receive a letter in the mail and to call back after I received the letter. The call today resulted in them demanding my cellular number so they could text me a code. I declined that because I do not want to get more junk calls and texts than I already do from automatic dialers on my cell phone. They then transferred me to their " fraud '' department. the lady asked me if I had any other checking accounts or savings accounts with them and demanded a phone number where she could call me right back to verify it was me. I gave her a phone number. I also provided my mothers maiden name, I provided my social security number, my zip code. I have not used this card in years and am just paying down the balance. I pay XXXX and XXXX of that goes to interest on a balance of {$14000.00}. the math does not add up on this. I have a XXXX XXXX card and pay less on a higher balance which I am also paying down. 

I am not looking for a free ride but citi is doing something VERY disturbing and shady here. by the way, its been 45 minutes and no one has called me back. so no letter in the mail that they claimed I would receive, no call back that they claimed I would receive and all because I would not provide a cellular telephone number. 

I have had this credit card for more than 15 years and have made regular payments. a maximum percentage rate with no one even entertaining lowering it is in violation of federal law. they are supposed to review your credit every 6 months and they are not even trying to do that.

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 2023-11-07
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Hi there is a issue.I paid the XXXX but was approved by XXXX scared water would be shut off.can you refund me the one I sent so the XXXX XXXX approved me of can be added to account? I also was able to get a check number for the XXXX so it would be over XXXXSo if you could return my payment to me the visa card XXXX or reject it with the payment from pnc XXXX XXXX office paid the XXXX. XXXX is a program that helplimited income people.It was a crisis grant.They paid the balance for XXXX also sent a payment.The city claims no we will not issue my XXXX because we don't issue refunds even if it is over paid.That would become XXXX paid XXXX they refuse to issue a refund.I am limited income and can use that for my electric and gas bill.So to force me to be with out my money is not right.The government paid the balance.Also they claim my highmark insurance issued a XXXX check.They stated they never got it.But it was also cashed and never put on my account.I have tried to get my money XXXX the XXXX paying XXXX plus the XXXX from my insurance that leaves a balance of XXXX. In credits. Now keeping my XXXX The XXXX would make my balance XXXX that they are forcing to keep from XXXX get XXXX a month so I need my payment back.so I am asking for help to recover my XXXX payment. So they can't force keep my money.

Company response to consumer: Closed with explanation