BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Sub-product: Store credit 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:
Dear Consumer Financial Protection Bureau, I regret to express my dissatisfaction with the Barclays Bank credit card service. My recent experience has left me profoundly disappointed, and I feel compelled to share my concerns. 

Firstly, I encountered a significant issue when my initial credit card failed to arrive. To exacerbate matters, I discovered an alarming {$1000.00} in fraudulent charges on my account, despite having only authorized a {$55.00} purchase. This situation prompted me to contact Barclays Bank customer service, and regrettably, I found myself subjected to extended hold times during these calls. 

Subsequently, Barclays Bank issued a replacement credit card on Monday, XX/XX/XXXX, and I promptly reported the fraudulent charges. I was assured that the new card would arrive the following day, Tuesday, XX/XX/XXXX. Unfortunately, it did not arrive as promised. My frustration grew when I called again, only to be informed that the card would be delivered today, Wednesday, XX/XX/XXXX, which, once again, did not happen. 

I must emphasize my disappointment with the lack of communication from the institution throughout this ordeal. I have yet to receive any notifications via email regarding the status of my credit card delivery or the resolution of the fraudulent charges. Such notifications are fundamental to a professional and reliable banking service. 

This unfortunate experience has compelled me to question the professionalism and reliability of Barclays Bank and GAP Credit Card. It is the first time I have encountered fraud, and I find myself reluctant to recommend this bank or its credit card services to anyone based on this distressing encounter. 

I requested Barclays Bank a prompt resolution to this matter, including the delivery of my credit card and the resolution of the fraudulent charges. Clarity and transparency in your communication would also be greatly appreciated. 

I kindly request that Consumer Financial Protection Bureau investigate this matter promptly and take the necessary steps to rectify the situation. I also request that you keep me informed of the progress and resolution of this complaint. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 
Sincerely,

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 2021-10-22
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The bill is at an address I have rental property. I have never lived at that address. The mortgage is in my name. Per the collection agency, the email address is for XXXX. I have an XXXX XXXX XXXX  account, never had a XXXX XXXX account, for utilitites? I thought the calls were scams, I did not respond. I never received any letters to my residence where I have lived since 2000. Why is this on my credit? Not my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
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: Their investigation did not fix an error on your report

Complaint:
On XXXX2022, I XXXX XXXX XXXX the consumer, notified XXXX, XXXX, & EXPERIAN ( The CRAs or Credit Reporting Agencies ) that Im a victim of identity theft. I have proof and evidence the CRAs received my communication. The CRAs are willfully reporting unvalidated unauthorized items on my consumer report. The person furnishing this misleading information has no permissible purpose to do so. The CRAs failed to block the information I filed with the FTC and sent me correspondence stating the information inside of my identity theft report has been investigated and proven to be accurate, verifiable and will continue to report as such. Pursuant to 15 USC 1681d ( b ) Im requesting the nature and scope of the investigation the CRAs used to verify this information. Pursuant to 15 USC 1681i ( A ) ( 6 ) ( B ) Im requesting a DESCRIPTION of the procedure used to determine the accuracy and completeness of the information. This shall be provided to me by XXXX, XXXX, & EXPERIAN. Ive already contacted the furnishers of the fraudulent reporting. All furnishers have failed to provide the validation of the alleged debts being reported on my consumer report. The furnishers will face litigation for failing to delete the information Im clearly and conspicuously stating is fraud. Im NOT requesting the business name, address, telephone number of the furnishers because I already have that information. Im requesting the scope of investigation and the DESCRIPTION of the procedure used to verify this information. The CRAs know or should know that they cant use the information inside of I, the consumers file prior to the block request to verify information reported as identity theft. Pursuant to 15 USC 1681c-2 ( c ) ( 3 ) the presence of information in my file prior to the notice of identity theft is not evidence of verification.

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 2021-09-06
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had programmed my automatic monthly discounts, But notice they didn't discount me for two months, I called the comenity bank to find out what happened with the discount, they told me that the automatic pay and They told me that the automatic payment was only for 6 months and that I should call to renew it, I told with the representative of the comenity bank and I explain him that the nobody told me that, However, that day, ( XXXX XX/XX/2021 ) I paid on line {$250.00} and the balance was {$830.00} ( Shown Statement 1A ) The guy told me that my balance almost finish in XXXX because I am paying $ XXXX monthly. 
I was surprised with the new statement, because the comenity bank is charging to me a new balance by {$1.00} plus {$380.00}, ( Shown statement 2A ) once again, I called at the Comenity Bank I told with another representative, and he told me that the new balance include interest by {$350.00} ( more or less ) ; Nevertheless I offered to pay the total amount If he removed form the statement this charged, and I make a request to listen the previously conversation because nobody told me about the new charge. 
He told me that the people in charge of the bank would do that, and after that, the bank bank would call me, but I they never called me By second time, I tried to call to be explained why the case had not been solved. 
Even Worse, they are charging me {$23.00} ( Shown Statement 1B ) in additional interest on the previously {$350.00}. 
I make this public complaint so that Comenity Bank adjusts to what has been agreed with its employees in order to solve it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I made a wire transfer through my CHASE BANK app. I transferred {$380.00} ( XXXX GBP ) to a XXXX bank account and I received a confirmation from CHASE BANK saying that the transfer was completed and the recipient should receive the money within 2-5 business days. 

Since the money was not received by the recipient, I made an inquiry to CHASE on XX/XX/2022, to find out what had happened to the wire transfer and if the money was on its way to the XXXX bank account. 
On the same date, I received a secure message through the CHASE BANK app saying that the wire transfer was not successful and that the money was not delivered to the recipient. CHASE stated that the reason why the transfer was not completed was that the information of the recipient was not complete. 
The secure message stated that the funds were going to be returned to my account within 3 to 5 business days. 

On XX/XX/2022 I contacted CHASE BANK through secure messages on the Mobile bank app because the funds ( {$380.00} ) were never returned to my account. CHASE answered back on XX/XX/2022 stating they did not have the money at their disposal and that they were working with the banks in chain to return the funds as soon as possible. 

On XX/XX/XXXX I contacted CHASE BANK again since I did not have any answer about the money. They answered me back stating that they tried to retrieve the money several times but it was not possible and that I should contact the bank in the XXXX and settle the matter on my own and that the case was closed. 

After this, I have tried to contact them at least once a week asking for a supervisor and for the escalation of my case. The response from CHASE BANK is always that they acknowledge my case and the request for escalation and a supervisor, and that I should be contacted in the following days. However, I have never been contacted. 

I have tried to go to several branches in XXXX XXXX XXXXXXXX, tried calling different customer service numbers, and tried to share my case on social media. The only response that I've gotten so far is that I should send a secure message through the CHASE BANK app and wait for a response. 

I do not know what else do to. CHASE BANK has held {$380.00} from my account since XX/XX/XXXX and nobody has been able to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I disputed the XXXX collection account as not being mine. Both XXXX and Transunion has XXXX the balance, but the account is still showing on my credit report under collections ( with a XXXX balance ). The account belonged to my son and I have a letter from the original creditor showing proof of that and that they requested it be removed from my credit file. It has not been deleted as of today 's 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 2023-09-06
Company: Affirm Holdings, Inc
State: MI
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My account is locked with Affrim. I have called my times I have did 2 ID scans. I cant view my bills or make payments. Every time I log in I get a email saying someone is trying to get into my account when its me. I called them many times and spoke to a Supervisor not getting any help. I find it illegal to keep me from viewing my bills and not allowing me to shop. I cant even pay the bill off cause I am locked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I checked my reports online. XXXX and XXXX. Are reporting XXXX XXXX collection account. Which has opening dates inconsistent. On All three Credit Reporting Agencies Reports. This account is XXXX XXXX. Which was sent to XXXX XXXX XXXX XXXX. For collections from XXXX XXXX. This account shows on All three of my Credit reports. Okay its inconsistent information. Which means this account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, 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:
Ive been disputing information that has been reporting in correct on my credit report. Name, address, repos, numbers of inquiries, jobs. Ive even mentioned the letters that I e gotten in the mail in regards to there in a security breach and that my personal information had been exposed and possible used. Almost three years and no one has not done anything but update the account the wrong way with false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Description of Complaint : I have a dispute with Allied Collection Services who failed to verify and dispute 2 accounts according to my stipulations stated in a conditional acceptance contractual agreement that was mailed to Allied collections which did not properly respond, I sent out a Notice of Default which Allied Collections never complied I have properly documented the proof of mailing dates with stamped receipts of the contract then approximately after 10 days the Notice of Default to respond which they did not respond properly according to the stipulations of the contract I also have the original copies of the contract with the account in question. I have the right to demand what is stated in the agreement due to the fact there is a legitimate contract and the respondent refused all my attempts to remedy this through this contract. I have attached 2 conditional acceptance contracts, the Notice of Defaults and the postal proof of mailing receipts that I sent to allied collections that failed to respond according to what was stipulated in the contract ( see 1st paragraph of page 01 of contract ) approximately 10 days after not the response I sent a Notice of Default with Intent which they did not respond since my attempts to remedy this situation was unsuccessful I feel the need to report. 



DEFENDANT INFORMATION Name : XXXX XXXX XXXX Title : Supervisor Company/Firm Name : Allied Collection Services of CA Address : XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX XXXX California Zip XXXX XXXX Telephone : XXXX XXXX XXXX XXXX E-mail Address : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2022-03-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like my personal information correct.

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 2023-03-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the federal credit reporting act. The list of accounts below have violated my federal protected consumer rights to privacy and considerably under 15 US C 1681. 

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 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, 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 that consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes, which antedates the report by more than seven years.

15 U.S. C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate.

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 2022-02-18
Company: Experian Information Solutions 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:
As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO 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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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 2020-07-01
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:
XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXX ftc violations sent over 35 days

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