BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-04
Company: BARCLAYS BANK DELAWARE
State: SC
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:
According to FCRA 609 ( a ) ( 1 ) ( A ), Financial Institutions are required by Federal Law to Verify - through the physical verification of the original signed consumer contract ( with my signature on it ) any and all accounts you report on a credit report. 
Under the FCRA 609 ( a ) ( 1 ) ( A ) unverifiable accounts must be removed within 30 days of the request. 
Ive requested a copy of the original consumer contract between Barclays Bank and me. My initial request was XX/XX/XXXX. In response to that request I received a stack of statements instead of the consumer contract I requested. My next request was XX/XX/XXXX. Once again I received a stack of statements. My final request was on XX/XX/XXXX. I received a letter indicating they were unable to complete my request. 
After several phone calls and written request, according to FCRA 609 ( a ) ( 1 ) ( A ), Barclays Bank Is required by Federal Law to remove their debt 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 2021-03-30
Company: YSA ARM LLC DBA Oxygen XL
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is the company that has been harassing 's me thru a collection company OxigenXXXX collecting money that I don't owed them. They call my cell at all times which I have explained to them I don't owned anything to them. This harassment 's has cause me a nervous breakdown and XXXX My credit is excellent and this people want money out me which I don't owed to them. Please help me to report this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are several student loan accounts and credit accounts that are inaccurately reporting lates on my credit file. The following accounts have accurate late reportings : XXXX XXXX - Open date XX/XX/2019 XXXX ( 10 accounts ) - Inaccurately reporting 120 days late There are address information that don't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are incorrect name on my Transunion File : 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 2019-02-04
Company: AMERICAN EXPRESS COMPANY
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:
A victim of identities theft fraud regarding 1 account. I have never owned nor applied for a credit card account with XXXX XXXX. This has appeared on my credit report and I launched a police investigation as advised to by the lender to have this removed from my account as it is not mine! I submitted the police case number for the investigation and the i police investigators name of who is handling the case. I attached the information and documented it within the dispute but XXXX  failed to remove this information from my file after disputing it. I dont know what else to do because I also disputed false report its of American Express staying to XXXX that my account was in collections which was not correct when XXXX  checked into that dispute. Both disputes were lumped within the same dispute and nothing was done by XXXX  to remove this erroneous, negative information regardless of what I have substantiated to be incorrect and false!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
why didn't this company ( ocwen ) show you all the history of the payments that they have since XXXX and how is it possible that a company not know that they paid a year early of taxes NO I do not accept there response this company needs to show you proof of all the transaction of payment history they have done in my loan since XXXX where it goes from XX/XX/XXXX is where the loan went from XXXX to XXXX, plus and then XXXX, plus on the prior principal balance when it should of keep going down from XXXX because each month a payment was being paid the principal balance should of gone done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I dispute a car loan with credit acceptance corp. In the amount of XXXX, which is not the first time I have dispute this account. I settled this out back in XXXX and was told by company the account will be closed as settlement. Since I have disputed this back in XXXX of XXXX the company has filed to respond and it has now been 38 days and counting. Under FDCPA your company have violated my right due to failure to respond. You failed to provide contract and payment history. I want this account removed from my credit report or I will file a complaint with the general attorney office and hire an attorney and sue for damages you are causing. 

XXXX XXXX XXXX in the amount of XXXX. This is now the second complaint I had to file, This account is fraudulent and your company stated this account would be removed. Your company also failed to provide wet printed signature contract, the chain of title of this debt, and your company license to collect in New York under FDCPA you are violating my rights.

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 2019-02-04
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 information incorrect

Complaint:
I check my credit weekly and today XX/XX/19 I noticed that my credit score for all three Credit Reporting Agencies had DROPPED approx. 50 POINTS from the previous week. There was NO DEROGERTY Information since the previous week. As a matter of fact all the information change was POSITIVE. XXXX, XXXX  and XXXX   were all similar results. Additionally, I have never been late on anything ... 

I called XXXX  and XXXX and in both cases the customer service representative was NOT ABLE to make any sense of the issue. 

The gross and incorrect misrepresentation of my credit is a detriment to me in many ways. My occupation, My credit and other things as well. 

The bottom line is ; The credit reporting agencies are not accountable to anyone. Individuals harmed by these agencies can rarely recover anything, and there is nothing that can be done to correct information regardless of weather it is correct, incorrect, inaccurate unless they want to.. 

XXXX, XXXX  and XXXX appear not to care ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The credit bureaus don't answer the phone and the on line dispute center has not worked in over a month.

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 2019-02-04
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: Account information incorrect

Complaint:
I check my credit weekly and today XX/XX/19 I noticed that my credit score for  all three Credit Reporting Agencies had DROPPED approx. 50 POINTS  from the previous week. There was NO DEROGERTY Information since  the previous week. As a matter of fact all the information change was POSITIVE. XXXX, XXXX and Experian were all similar results. Additionally, I have never been late on anything ... 

I called XXXX  and Experian and in both cases the customer service representative was NOT ABLE to make any sense of the issue. 

The gross and incorrect misrepresentation of my credit is a detriment to me in many ways. My occupation, My credit and other things as well. 

The bottom line is ; The credit reporting agencies are not accountable to anyone. Individuals harmed by these agencies can rarely recover anything, and there is nothing that can be done to correct information regardless of weather it is correct, incorrect, inaccurate unless they want to.. 

XXXX, XXXX and Experian appear not to care ... ...

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 2018-07-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2013 I declared Chapter XXXX Bankruptcy. I was up to date on all payments until I submitted the Bankruptcy. 8 of the companies note derogatory reports that my payments were late. My attorney advised me to have this amended as the derogatory remarks of late payments were in error. I went to each credit bureau, Equifax, XXXX  and XXXX. Disputed all 8 accounts, however the summaries that the credit bureaus reflect still show the 8 account late payments. I contacted them and advise that is correct even though the actual creditors amended there records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted disputes to you and I didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you in advance.

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 2019-02-04
Company: EQUIFAX, INC.
State: TX
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:
I contacted Equifax Customer Care ( XXXX ) to inquire about letters coming from Equifax Information Systems LLC, XXXX XXXX XXXX  XXXX, XXXX, GA XXXX. One letter references my request to add security freezes to the credit files for my children ; I have no children. Another letter references my request for a security freeze on my credit file ; I have had a freeze in place for almost a decade. Another letter references the results of a dispute of an item on my credit file ; I have made no such dispute. Equifax Customer Care informs me that there is no such subsidiary of Equifax named Equifax Information Systems LLC and the address listed is not one of their addresses. Additionally, they said I should ignore the letters. It appears that someone is attempting to pose as part of Equifax in an attempt to obtain Personally Identifiable Information from people. Given the history of Equifax to fail to protect consumer data and what appears to be an attempt to use the XXXX XXXX XXXX XXXX to obtain information fraudulently, Equifax security issues may still be very exist.. This is highly likely since they replaced freeze.equifax.com with my.equifax.com and shut down user access to the site. Since Equifax Customer Care has indicated the sender is not valid, I plan to send copies of the letter to Equifax Fraud Department. Since the XXXX is being used to solicit the information, I plan to send copies of the letters to the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXXI was working for a company and making XXXX a year ; the company folded in the midst of the economy crash and XXXX here in Arizona. I had a couple of credit cards at the time that this happened. I continued to try and pay those cards but eventually I couldn't afford to do that. I stopped making payments and let the cards lay as they may. I had no choice. I didn't want to file bankruptcy but things were aiming that way. When all was said and done I didn't have to file bankruptcy as I only had one company file a judgement against me. 

I contacted the company several times trying to work out a payment arrangement with them but they chose not too do so. They continued the judgement and somehow got it by default. I was never presented with paperwork or anything until after the fact and then it was too late for me to do anything. The judgement was placed in XX/XX/XXXX. 

They then sent a statement to my employer for garnishment. They started receiving garnishment in XX/XX/XXXX. Then about 3 months ago I started thinking that I should have paid that amount off by now. I asked my employer to print off the totals that had been taken from my checks. I then contacted them in XXXX and asked them to send me a complete report of all debits and credits in regards to my account. 

I heard nothing from them at all but coincidentally the very next paycheck their garnishment was stopped from coming out of my paycheck. I then followed up with a request to receive a complete report of all of my credits and debits from my account. They told me that I would have to contact them by phone. I contacted them and they still to date haven't sent me any reports. 

According to my records I have overpaid them and they owe me money. I have read several online reports about them and this seems to be a continuing process. They hire local attorneys to do all of the intimidating paperwork and don't reply or communicate with you until it is too late for you to reply and then take old debts that have gone away and keep them alive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint about an error with XXXX XXXX balance not being correct on my report. I submitted paid in full receipt from company. Experian reports back that the item disputed remains and that the company verified that it is correct. I received this report back onXX/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 explanation
Consumer complaint received 2019-02-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received my XXXX credit card statement from XXXX XXXX. Balance due was {$52.00} and due XX/XX/XXXX. On XX/XX/XXXX I returned an item and it posted to my account for a total credit of {$52.00}. I received my XXXX statement which notified me that I was past due and charged a {$27.00} late fee. I called customer service and was told that I should have still paid the minimum payment due amount on XX/XX/XXXX to avoid late charges and finance fees! I don't know what kind of accounting system they are using, but that is ludicrous. They have reversed the late charge but wanted full payment on my current balance ( which is not due until XX/XX/XXXX ). So I am assuming finance charges are still accruing. I was able to get the fee reversed, so I am happy with that. I've never filed a complaint with you before, but I had to wonder how many other people they are trying to take advantage of. I just assumed that I somehow had missed my payment on accident and was just going to pay the full amount. Thankfully I looked into it, but it concerns me about their credit practices and for that alone I felt this was necessary. Thank you.

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 2018-07-31
Company: ACCESS GROUP INC.
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/2018, I tried to apply for a new apartment that was cheaper in rent so that I could save money and repay my student loans. My employment contract was terminated so I am doing all that I can to make arrangements. When I submitted and paid for apartment rental applications, a rental report agency said that they had adverse debt collection on my record from Access Group. I tried to get this resolved and I was denied an application for rental from 4 places in one month because of this WRONG and ILLEGAL attempts by Access Group to ruin my credit and ability to meet my financial and economic needs. Because of this, I lost over {$100.00} in rental application fees and was unable to move to a cheaper and more rent-friendly apartment so that I could save money and pay my student loans. These actions by Access Group are UNACCEPTABLE and I NEED your HELP to remove this from my reports. Access Group has repeatedly refused to work with me and I have no where else to turn. PLEASE HELP!!!

I have filed previous similar complaints against Access Group and yet they continue to user threats and to unreasonably and unnecessarily interfere with my credit. HOW am I supposed to make these student loan payments if Access Group threatens and harasses me with debt collection and damaging my credit without even attempting to resolve the issue with me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX, TransUnion, and XXXX is showing information that doesn't belong to me. I have tried to have the items removed and have sent several letters to them to have the items removed.

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 2019-02-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX dollars was taken from my Chase Bank account from an atm at the XXXX XXXX XXXX XXXX XXXX XXXX Ga location. My debit card was stolen at some point. I never received the debit card nor did I activate it. I told chase bank this information. At XXXX I noticed my account had been used. I called Chase Bank Customer Service to report the incident at XXXX. The debit card was cancelled. On XX/XX/XXXX they put the money back into my account. I was also sent a new debit card. The following month on XX/XX/XXXX they declined the claim and took the money back out of the account. They reversed the claim without properly researching my case. The atm video footage was never checked and the phone number that activated my card wasnt tracked. Chase told me my claim was denied because the claim took place in the same city I live in. I live in XXXX XXXX, ga and the fraud happened in XXXX, ga. The two areas are about 30 minutes apart. Ive never been to that banking center. Chase said the transaction was pin based and wasnt indicated as being comprised but I did in fact tell chase my card was stolen and I did not activate the card. Which makes the pin compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorrect phone number reporting on 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 non-monetary relief
Consumer complaint received 2021-08-06
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony has closed my account that was up to date which in turn stop my website usage so I cant log in to pay the account they closed. Ive made calls to ask the reopen my login information so that I may pay the bill and each time the customer service representative was rude and now they keep reporting that my payments are late. My account was closed in XX/XX/2021 and Ive called twice a month trying to get this resolved.

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