BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX closed my 2 credit cards without letting me know and they would not provide me any additional information except a generic statement. I tried calling them and talking to a manager to find out but they were no help. I have over {$600.00} in rewards points on my Barclay Arrival+ credit card and they would not let me have my points. I would like to kindly request that Barclay provides my money back to me or I will have to take this to court and fight this battle. According to their terms, all points earned on cashback are mine and they should not take my money from me that I earned and paid my bill on time for over a year. This is a terrible way for them to treat their long standing customer. I will make sure to share my experience everywhere possible because there are several other issuers that people can bank with. Not someone who steals money from their customers. They should be ashamed of themselves for stealing {$600.00} fro m their customer especially during COVID-19 when all of us need extra money possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX 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 XXXX. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the XXXX  Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : {$2600.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions 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 submitted a letter to Experian and they did not respond within 30 days. I want the item Removed from my credit report for violation no response within 30 days. I have enclosed a copy of the letter that I sent them. I have also enclosed Confirmation of Certified Mailed Delivered to them from XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : EXPERIAN Dispute Letter of XXXX To Whom it May Concern, This letter is a formal notice that Experian has failed to respond to my dispute letter of XXXX. I sent this letter Certified registered mail, Drivers license copy of social security # and have enclosed a copy of the return receipt which they received XXXX XXXX, 2020. 
As you are well aware, federal law Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) requires you to respond within 30 days. It has now been Way over that period since their receipt of my letter. Failure to comply with Federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 
I am aware that you may have misplaced my letter or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included proof a copy of my original request and the dated Certified receipt of your reception of the original letter. 
Conlusion : The following information needs to be deleted from my Experian report as soon as possible for failure to respond within 30 days : CREDITOR AGENCY US BKPT CT CA XXXX XXXX ID # XXXX Please delete this erroneous, unverified item from my credit report as soon as possible. 
Sincerely, 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 2023-05-08
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Good afternoon I am thXXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX My company sent funds to the counterparty XXXX XXXXXXXX XXXX XXXXXXXX XXXX as payment for the contract - in the amount of USD XXXX ( payment order No. XXXX dated XX/XX/2022 ) ; Correspondent bank of THE BANK OF NEW YORK MELLON. 
Information about payments in the annexes to this letter. Payments have not been received by the recipient. As far as I know, all payments are blocked. I ask you to help me set the details and the date of blocking payment. I contacted THE BANK OF NEW YORK MELLON by phone, but they refused to provide me with any information about the details and the date of blocking payments. 
Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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:
I have two accounts on my credit report that are reporting incorrect information that is withholding me from seeking new lines of credit. I have disputed these two alleged accounts with Equifax on XX/XX/2021. The 1st account is from XXXX XXXX  and there are numerous errors reporting such as the balance, & payment history. The 2nd account is XXXX XXXX and the payment history reporting is incorrect on this account. Since sending the letters on XX/XX/2021, I did not receive a response from Equifax within 30 days as required by law. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. Attached is the certified mail showing proof of my disputes. I have tried relentlessly to remove these accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: NAVY FEDERAL CREDIT UNION
State: IL
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:
Navy Federal Credit Union, issued me a credit card with a balance of XXXX. 

During the pandemic in 2021 I went to XXXX and was a victim of credit card fraud. My credit cards wallet were stolen and I had a difficult time returning to the United States. 

I finally returned in the fall on 2021 and began looking into my credit card problems, While reviewing my credit card I noticed that my high credit card was used repeatedly fraudulently in many location in XXXX that I did not travel to. 

Navy Federal cleared the charges in early XXXX after poor communication from its fraud department. Then they removed the charges, I did not use the card because i was scared to and therefore waited. The Navy Federal staff noticed that I was not using the card and after almost XXXX months the issues a letter stating the fraud did not occur and that i was responsible they imidietly started charging interest and I tried to appeal but the issue persist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXAcc # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 cause 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 non-monetary relief
Consumer complaint received 2018-12-19
Company: Experian Information Solutions Inc.
State: NJ
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 the victim of identity theft and the following accounts are not mine I will be adding fraud locks to my report to prevent this in the future : 1 ) XXXX XXXX Acct # XXXX 2 ) XXXX Acct # XXXX 3 ) XXXX  XXXX Acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX & Equifax dropped my credit score on XX/XX/2021 on XXXX XXXX website. Scored dropped/changed due to decrease in XXXX XXXX account. I have been paying all my creditors on time for three years thru XXXX XXXX XXXX. My bankruptcy public record account have been removed effective XX/XX/2021. What is my credit score so low. 
Also, the balance on my car loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX is currently XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and JPMCB Card. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$38000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Aldous & Associates, PLLC
State: OR
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 XXXX XXXX calls me several times a week. It is a recording and they leave me a voice mail saying they are trying to collect a debt. When I call in, they say there is no record attached to my phone number ( the one they call several times a week and leave me voice messages on ). I have asked them to stop calling. This has literally been going on for months. The young man I talk to repeatedly there says there is nothing they can do to stop the calls.???? So, they can not tell me why they are calling and they will not stop calling. I do not have a clue how to resolve this since this company has no way to remove my number from their records even though they do not have any debts attached to my number. How is this even possible? It would seem if they can repeatedly call me weekly, they could track where they are getting my number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: EQUIFAX, 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 information incorrect

Complaint:
It has come to my attention that the charged off account being reported by XXXX XXXX and the 3rd party collector are not in accordance with the Fair Debt Collection Practices ACT ( FDCPA ) ), 15 U.S.C. 1692 et seq : Unfair Practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt. Specifically, a debt collector may not A creditor will usually charge off a debt when a consumer fails to make monthly payments for six consecutive months, at which point the account is closed to future charges, although the consumer still owes the debt. Many creditors will not collect interest on a charged off debt even if they have the right to do so. Upon speaking with the creditor & debt collector an additional {$150.00} in interest and late fees has been added to the principal balance of {$350.00} since the loan defaulted in XXXX. Per their loan agreement there is no arbitration, clause or disclosure informing the consumer of any additional interest or fees that would or could be added in the event of the account being charged off. Please reference Disclosure of Interest Accrual The second hot topic issue is how debt collectors must disclose to the debtor the accrual of interest, if at all. Section 1692g ( a ) ( 1 )  of the FDCPA only requires the debt collector to state the amount due when communicating with debtors. Courts have been left to interpret how exactly the debt collector must disclose the accrual of interest. Various judges have reached opposite conclusions in interpreting this section. 
A Pennsylvania judge in Jones v. Midland Funding, LLC, 755 F. Supp. 2d 393 ( D. Conn. 2010 ), granted summary judgment to Jones, holding that XXXX violated Section 1692g ( a ) ( 1 ) where XXXX stated the balance due in its initial letter, the subsequent letter stated a balance due for a greater amount, and neither letter mentioned interest accrual. The court determined that only the initial letter violated the FDCPA because it failed to state that interest was accruing and the rate at which it was accruing. Another Pennsylvania judge in Lukawski v. Client Servs., Inc. , 2013 U.S. Dist. LEXIS 124075 ( M.D. Pa. Aug. 29, 2013 ), considered a case with slightly different facts and ruled that where the first letter discloses that interest will accrue, subsequent letters must also disclose the accrual of interest

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
According to the federal government, loan payments had been deferred and this showed on my ancient statement as well. I did not make a payment for a couple of months then was charged a late fee. I immediately payed ( XX/XX/XXXX2021 ) and tried to contact someone for clarification which sent me information on other payment options. An unauthorized payment was made from my bank account from Navi ent on XXXXXXXX XXXX,2021. When I called to question, they said it was made from my account, that I had mistakenly paid. I had not logged into my account since XXXX/XXXX/21 nor was I set up for autopay. I immediately deleted my bank account information to stop Navient from making more unauthorized payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I made a dispute with my credit card company Bluebird American Express for which I have direct deposits linked and my own personal cash deposited, on XX/XX/XXXX in regards to several identical charges from 1 consumer unauthorized to charge my account. ( XX/XX/XXXX of which in the amount of {$100.00} was denied from same said consumer and flagged as suspicious from Bluebird American Express. ) XX/XX/XXXX charges were investigated and denied on XX/XX/XXXX for unknown reasons. And suddenly my whole account was suspended. I've just received my new card by mail and was never warned nor even given the chance to withdraw my available funds prior to the account closure without any explanation. I have not received notice of a check being mailed nor what might happen to any other funds made available to the account. I have attempted to contact bluebird customer service as well as their account protection services with endless ringing ( waited over 3 hours to connect to someone only for the phone to become quiet and disconnect the call completely ) there is no way to get ahold of any persons by email and I am in dire need of my funds to pay upcoming bills already strained due to this covid19 pandemic. At a time like this I can not believe that there is no remorse nor assistance towards helping this companies loyal customers. I've had an account with this company over 3 years with no issues or fraudulent activity to just be suspended due to improper investigation of a dispute clearly unauthorized if they had to flag my account for suspicious activity from the same company they authorized the smaller successful transactions multiple times. Please help a single mother of XXXX  in need of a voice against big bully companies taking advantage of their customers. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved notification from a collection company for a retail ( XXXX  ) account that I did open, apparently it says it was opened in XX/XX/XXXX, I DID NOT open any new account with XXXX. In XXXX of XXXX I enrolled in a debt relief program XXXX  XXXX and 7 accounts were enrolled at this time, i ended up paying off one ( XXXX ) in XX/XX/XXXX, which left 6 remaining accounts, 1 which was a XXXX account, different account number, opened years ago. My credit report showed a collection for ANOTHER 2nd XXXX account that does not being too me, I've never paid to a second account, I have XXXX statements from MY account and the account number is not the same, my account # is XXXX balance of {$1700.00}, I did not open a second account which I believe this is a fraudulent account/identity theft. At no time did I open a 2nd XXXX account. I put a dispute in with XXXX  and the collection agency, even the told me that is very unusual to have two accounts for the same store. I expressed to them I did open that account. The balance is over {$2200.00} account # XXXX, which I did not charge or open any additional accounts with XXXX since enrolling in the debt relief program in XX/XX/XXXX. I've been working very hard to get my credit scores back on the up rise since. I will attach any documents I have pertaining to this but again this is not my account nor my debt. I am attaching the collection information as well as MY ONLY XXXX ACCOUNT I HAVE AND IT'S ACCOUNT NUMBER. Thank you, Please assist.

Company response to consumer: Closed with explanation