BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: BARCLAYS BANK DELAWARE
State: TX
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:
Dear Barclays XXXX, I am writing to dispute the interest charge on my credit card account due to financial hardship. I have been facing financial difficulties due to unemployment and unexpected bills such as XXXX  bills for the kids and the newborn. My husband was away from home for his study and he to pay for housing, foods, etc. 

I honestly was not aware I was charging interest on my account until I recently checked and reviewing my account. I did not receive a notice that my account has been accruing interest. I believe it is unfair and has been a distress for me see my balance accruing interests. I have XXXX very young kids to take care of and this is a difficult situation along with the rising costs of inflation. Please understand my hardships and I believe that the interest charges on my account since XX/XX/2022 would be waived during the financial hardships. I know that I can talk to a representative, but they may not be able to help me because they do not have authority to waive the interests as requested. And if I sent a letter, it would probably get ignored.

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 2023-09-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit 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:
I called Wells Fargo on XX/XX/XXXX XXXX XXXX XXXX to file fraud because my credit card was lost and unauthorized charges were made. Wells Fargo was able to provide me credit adjustments. However, they did not provide me all the credit adjustments needed. I used my credit card from XX/XX/2023 up until now with the balance of {$1300.00}. My credit card balance is showing {$3000.00} as of now XX/XX/2023.

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 2021-01-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was charged a lot of money my credit score went down and I had my identity stolen from me my email is on a dark website and I dont understand whats going on I need my life back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am making payments towards Public Service Loan Forgiveness ( PSLF ) on my federal loans, and my loan servicer is XXXX  XXXX. I have submitted Employment Certification forms twice per years, which then initiates a count of the current number of qualifying payments. 

XXXX has not correctly counted the number of qualifying payments I have made on some of my loans. In XX/XX/XXXX I requested an official recount of the number of qualifying payments for all of my loans. I was told this process would take up to 120 days. 

It is now the end of XX/XX/XXXX and I have yet to receive a recount of my qualifying payments. I have contacted XXXX several times about this issue. My latest contact was today, XX/XX/XXXX, and I was now told there is no estimate for the amount of time it will take to recount my number of qualifying payments. 

I am requesting the CFPB to hold XXXX accountable to complete a recount of the number of qualifying payments I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: EQUIFAX, 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 status incorrect

Complaint:
This account has a XXXX balance and was paid to Dept of Education via Federal Income Tax Return being garnished in  XX/XX/2012 and I am constantly being harassed saying I have an open account with XXXX XXXX XXXX when I don't have any active contracts with this company. There is a XXXX balance as seen attached. Please have company delete both accounts as they are paid in full : Account # XXXX Account # XXXX Thank you, XXXX XXXX Last Four SSN # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Jonathan Neil & Associates, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jonathan Neil & Associates , INC is accusing me of a debt that is not mine. Is a third party harassing me daily accusing me of an accident that was not me and I have proved it and they keep ignoring the fact is this accident has nothing to do with me XXXX denied the case and have proofed I have nothing to do with this accident. The party in in fault has reached out and they keep ignoring everything I have been harassed and threaten.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Capital Link Management, LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX until as recently as XX/XX/XXXX He keeps calling saying I owe a medical bill that XXXX didn't pay from XXXX. I have never had XXXX insurance. I worked for the XXXX and have had and have currently XXXX XXXX XXXX XXXX XXXX He said it is for a small amount of {$110.00} but will settle for {$75.00}. There could be no way this is my bill because I have to show driver license and my insurance card to my doctor and they take a picture to keep on file. The number is XXXX Capital Link Management, He said if I don't pay they will report it to the credit bureau.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2021-04-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : XXXX # XXXX My mortgage loan is with Fifth Third Bank. I've been making extra monthly payments XXXX curtailments XXXX of {$450.00} that is automatically withdrawn from my checking account ending in XXXX. My checking account is also with Fifth Third Bank. Fifth Third withdrew {$450.00} from my checking account on XX/XX/21, credited my mortgage account but then reversed the transaction. Regardless of the reason for the reversal, the funds have never been credited back to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
XXXX. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: Resurgent Capital Services L.P.
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:
You are in Direct Violation of The Fair Credit Reporting Act { Acoount Name & Number # }, has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 written instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open- end plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
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:
FCRA Vilolations not mine not my cc XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$4900.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
Hippa Viloation not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. 

not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquries XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents including my FTC Report to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/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 2022-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
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:
While going online to pay my XXXX bill with Bank of America on XX/XX/XXXX I noticed a group of 5 charges on my account all 5 with a transaction date of XX/XX/XXXX and a posting date of XX/XX/XXXX. Each transaction was for slightly under {$150.00} ( {$140.00}, {$140.00}, {$140.00}, {$140.00} and {$140.00} ). The transactions were all from XXXX with the city of XXXX XXXX, CA. listed. I contacted BOA regarding the charges and they immediately cancelled that credit card and put a fraud alert on the charges on XX/XX/XXXX and started an investigation. I got a letter from BOA dated XX/XX/XXXX stating my claim was denied because they said " The merchant provided documentation confirming you received the merchandise or service. '' No other information was provided to me in that explanation letter. I called BOA again to get more information letting them know I have been with that credit card company for 26 years and that I had never ordered anything from XXXX and have never received any merchandise or services from XXXX. I wasn't even told what the merchandise or services were that I was supposed to have received. And I told them I would like to receive some type of proof that I actually received the merchandise or services to my address which is on the XXXX XXXX. They reopened my claim on XX/XX/XXXX but I wanted to also file my report with you. If someone was able to get hold of my name, credit card number and address I need to know where those goods or services were delivered and shown proof that any delivery service actually delivered those goods to my address.

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: 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:
Indentity theft. Someone obtained my social security number and tried to take out several loans under my name a may have successfully done so to a few. I have several inquiries on my report that I know nothing about I was not trying to take any loans in almost 2 years. 

Inquires : 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 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

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 2023-10-11
Company: Experian Information Solutions 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2022-08-11
Company: EQUIFAX, INC.
State: DE
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:
To Whom it May Concern : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 
1.XXXX XXXXXXXX XXXX 2. XXXX XXXX BANK XXXX XXXX 3.XXXX 4. XXXX XXXX 5. XXXX BANK 6. XXXX  7 . XXXX XXXX BANK 8. XXXX 9. XXXX  10 XXXX XXXX XXXX 11.XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I deposited a work check, I received and email stating that the check was accepted, however it noted that all funds would be held until XX/XX/2023. No other explanation about as to why. I went to log into my account and it said they have accepted the check but havent collected the funds from the other bank ( XXXX XXXX XXXX ). I called and the first representative said that funds would be available by the following day. The next day I had no funds from my work check in my account. I called and had an employee pick up the call but mistakenly didnt realize it and spent the next 20 or so minutes having an entire full conversation of their personal life with someone in the background, I have the entire call recorded! The representative finally hung up on me without taking my call. I call back several times to speak to a specialist to see about them releasing the hold on my check and they refused saying they first could not reach anyone and then I needed to call back the following Monday. I called back today ( Monday ) and get told that I must wait until XX/XX/XXXX to see about the funds being released and questioning the validity of the check. I told them they already confirmed they accepted the check via email, so there was no reason to hold the funds for verification if it shows already stamped. They told me they would release the funds to get me off the phone and never did. I told them over the phone that the federal law says that they had to make available a portion of the check under the Expedited Funds Availability Act and the banking supervisor says that their policy supersedes the federal law. I told him that he is incorrect and to show me the policy stating they withhold the checks for how long ever the bank determines and he would not email it to me. I told him I have the print out of what the Chase Bank says on their website about releasing {$220.00} while check verification is ongoing. He still refused to acknowledge this, saying they would not release the check funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount # 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 explanation