BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-16
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have called Barclays Bank over five times for 3 charges that happened at the end of XXXX XXXX. I disputed the charges on the app. They sent me a letter saying they investigated and deemed I was responsible which was crazy since one of the charges I was across the United States for. 

I then called them ... The first two times I was placed on hold at the fraud department for over an hour. The third time I called I told them not to send me to the fraud department and I spoke to somebody who I demanded help me. This was on XX/XX/XXXX. This lady made me actually call the company ( XXXX ) with her to investigate the charges the charges for XXXX we called XXXX and XXXX corporate and both of them said they did not have my card on file at all and they could not locate any transactions. The lady then told me that I was not responsible for the charges and the dispute would go through I have the case numbers : Case number : XXXX, XXXX, XXXX I then received a letter saying that only one out of the three charges would be disputed and the others were being investigated I then called back again for the fourth time and said this was ridiculous since they were all from the same store and I contacted the store with the lady and the store explicitly said that my credit card was not in their system and they did not have those transactions on file. They said they would escalate the claim. 

I then got a letter saying that everything has been disputed but on my bill it still says that I owe the money and if I dont pay in a week I will be charged a penalty so then I call for a fifth time and they say theyre going to transfer me to the fraud apartment and I say dont do that because I am not spending an hour on hold and they said it wouldnt be an hour and they transferred me and after an hour nobodys picking up the phone so therefore I am not spending any more time dealing with this bank that clearly has issues and they are trying to steal my money!!!! They said it was disputed and are not removing the money from my account!!

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 2018-08-11
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, including but not limited to Specialized Loan Servicing, LCC ( SLS ) and all unauthorized mortgage assignments affiliates are reluctant to address my concerns explaining in detail the fraudulent mortgage assignments of why and how these assignments took place without an official POA for each assignment. These assignments some recorded and some were not recorded without my knowledge without the originators written authorization to do so, since the original originator business dissolved years prior. 

XXXX XXXX XXXX XXXX will not address my concerns and informing me to contact an entity ( SLS ) that they have no affiliation is alarming ( see attachments ).  Since XXXX  recorded on my deed as " grantor '' without authorization from an official representative and POA from XXXX XXXX  that dissolved is of great concern without answers from SLS and all of the chain that executed assignments without merit. 

Since XXXX XXXX XXXX XXXX is very aggressive with confirming holding a fraudulent lien on my property and rushing to accept and assign unauthorized mortgage assignments without holding responsibility for any liability, my concern why is SLS and all of the chain of affiliates reluctant to address all of the unauthorized mortgage assignment of discovery? I request that all parties ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX, XXXX XXXX ) be accountable in referencing the attachment on pages 5,6,7, & 8. Under a microscope, initiating with XXXX up to XXXX ( unidentified representatives ) states in fact that XXXX XXXX XXXX XXXX executed and authorized XXXX as Power of Attorney as its Servicer & Attorney-in-fact on XX/XX/2016.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am submitting this CFPB Complaint to request to you once again to remove the fraudulent accounts and information you are reporting on my Credit File. Let me remind you that under the Federal Law, Fair Credit Reporting Act section 605b, as the Credit Reporting Agencies, you are required to COMPLETELY REMOVE any accounts and information you found reporting due to identity theft. I received a copy of my updated Credit Report and found that you did not only continued reporting the disputed items, but have updated the status of the accounts and claimed that the itmes have been verified. In accordance with the Fair Credit Reporting Act section 605, I am requesting you to please remove the following accounts and information from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$550.00} XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX XXXX  Bankruptcy : Bankruptcy Reference Number XXXX. If you truly believe that the disputed items belong to me, I required you to please send me copies of proof of verification or proof of ownership supporting your claims that the disputed items belong to me. Without these documents, I expect you to remove the disputed 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 2021-11-22
Company: EQUIFAX, INC.
State: NY
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 is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately XXXX XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, INC.
State: AZ
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 have sent multiple dispute letters to each bureau in an attempt to remove fraudulent accounts off of my credit, I have been told I need to file a report with you guys for the bureaus to remove the accounts. Not too sure if thats a legitamite reason but im doing it! I am asking the bureaus to remove the items under 605B of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have 2 vehicles from XXXX XXXX XXXX XXXX XXXX leases ended XXXX XXXX I extended as due to Pandemic, XXXX. XXXX had inventory issues ; most dealers had long waits for electric/hybrids 2. I am an XXXX XXXX XXXX XXXX  worker and I had less time to deal with dealers In 2023 XXXX, further lease extensions stopped, and TFS asked me to hand in the vehicle. 
Several issues caused confusion. 
1. My automatic payments were recalculated and no longer possible through website XXXX 2. Despite me making several attempts and payments over the phone, I could not keep track of which vehicle payment was made and which was not- ( 2 monthly payments for two cars ) 3. I asked XXXX for support, made phone payments, and tried to set up automated payments from the Online TFS account, but each attempt got canceled. 
4. The verification process from XXXX required written letters and signatures, which hampered the process- 5. These automated payments were canceled without my knowledge- I am still unsure if this was because of issues with account verification or if this was a new lease-end policy that auto-payments could not be set up online. 
6. XXXX XXXX account is glitchy and it is tough to tell which account I am working on /Billing statements digitally do not appear ( digital PNG file attached ) Late Payment/Credit Bureau report- XXXX XX/XX/2023, I found out that despite my regular payments and attempts to pay at XXXX, one of my two costs did not get paid, and I was charged a late fee and I was reported to the Credit Bureau. 
This was odd 1. Had made regular payments to XXXX through XXXX online account and got confirmation emails I paid -however, one of the two accounts or both stopped payment without notification as the paper-signed contract was not in. 
2. I was constantly talking with XXXX  and making payments on one of two vehicles but billing was erratic through XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
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:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2022-10-31
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Our XXXX, XXXX, XXXX, and numerous other recurring charges were not paid, numerous checks were bounced, and our debit card has been diabled for a month denying is access to our entire savings and our retirement income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Transunion be advised that there has been a mistake and misunderstanding concerning the XXXX XXXX  Account # XXXX. This XXXX XXXX  is not in a Bankruptcy and never was put in a Bankruptcy. The pay Status showing this account to be included in a Bankruptcy is inaccurate reporting, please update and remove the Bankruptcy Status. As far as the 3 late payments that were showing on my XXXX XXXX  Account, I have contacted XXXX XXXX, and they will be sending you notification that those 3 late payments are 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 2021-07-18
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: Was not notified of investigation status or results

Complaint:
I have disputed a collection account from XXXX for {$1800.00} with TransUnion and XXXX  and it was deleted in my credit report in XX/XX/XXXX. After four months, I have pulled my credit report and the same account was re-inserted back to my credit report. I have never received any notification from them after they put it back in my credit report. That is clearly breaking the law. There are also no proper documentation that was provided to me proving I owe the account. I have sent letters to the credit bureaus regarding this matter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I have not received anything from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: MO
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 XXXX  after numerous attempts does not comply with fcra laws they deny any request to confirm missed payment and provide proper documentation even when I send them letters sayings it me with my id and address and Social

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried mobile depositing a check for {$2500.00} on XX/XX/XXXX into my account and it got returned citing the bank could not verify the account. I asked a representative to validate the the number on the check was read correctly by the system. They could not do that. I tried depositing the check again and I got an error saying the system can not read the numbers on the bottom of the check even though they are clearly visible. I was charged a {$5.00} fee for something that's likely a USAA computer error and can not get any human validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: IL
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:
My name is XXXX XXXX, and I am not an unauthorized third-party credit repair company. I am the actual person filing this complaint. XXXX is reporting multiple late payments on both of my accounts. I was on numerous COVID-19 hardship plans with XXXX. Once the CARES hardship programs ended, my ACH auto-draft was canceled by XXXX without my knowledge. XXXX told me that due to the CARES Act, no late payments or negative ratings would be reported to the credit bureaus. I also sent an email to XXXX 's CEO XXXX. Also, my account records show payments made for every month they are reporting late payments. I have sent numerous letters to Equifax, XXXX, and XXXX, disputing my credit report 's inaccurate late payments and inquiries. And I am asking for the late payments to be updated to never late. Each bureau is reporting different months of late payments for months that I was never late. My Letters dated XX/XX/2021 asked for verification and a reinvestigation, and over 60 days later, I have not received any response or correction from Equifax, XXXX, or XXXX. I want these late payments and inquires removed because Equifax, XXXX, and XXXX have failed to respond to my request in my XX/XX/2021 dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Ive attempted numerous times of disputing incorrect information and fraud accounts due to identity theft. I will Be sending another dispute in attempt to remove these false accounts. In the midst of disputing these companies have falsely verified fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , & XXXX XXXX XXXX ( this company has violated HIPPA Laws which I will Be suing. )

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 2022-12-01
Company: EQUIFAX, INC.
State: MI
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 sent out dispute letters off to XXXX and equifax XX/XX/2022 the credit bureaus said the completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code $ 1681a - Definitions : rules of constructior The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, persona characteristics, or mode or living is Obtained through personal interviews with neighbors, friends, Or associates or the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific intormation on a consumer 'S credit record obtained directly from a creditor or the consumer or trom a consumer reporting agency when such intormation was obtained directly from a creditor of the consumer or from the consumer would like to know who did they talk to How did they complete this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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 Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately. 

XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Credit : {$180.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$23000.00}

Company response to consumer: Closed with explanation