BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021 I made an error when I tried to pay my credit card bill using online bill pay and filled in the wrong line. The check was sent to Barclays instead of XXXX, the holder of my current account. On XX/XX/2021 Barclays received a check from my bank XXXX XXXX XXXX for {$6400.00} paid to an XXXX  credit card that had been previously serviced by Barclays. 

I called Barclays on XX/XX/XXXX when I discovered the error. A representative from the online bill pay company was with me on that call. She sent a copy of the check to Barclays. I later called Barclays again and spoke to XXXX who asked me to send him a copy of the cleared check at XXXX. While we were on the phone he told me he had received the copy. A week or so later I got a call from XXXX DE telling me that a check would be processed and mailed to me in 2 to 4 weeks. I have received nothing. 

On XX/XX/XXXX I spoke to a person in the complaints department who told me there was no record of receiving a copy of the check and no refund has been sent. I also wrote a letter to Barclays on XX/XX/XXXX detailing my issues and never heard back from them. I called again later that week. After being transferred to a manager, they gave me a case # XXXX and told me they would work to have a check mailed out within ten business days. I called again after 2 weeks and they said the check was mailed out on XX/XX/XXXX. It is now XX/XX/XXXX and I have received nothing. 

I called again today to find out what the holdup is. They insist the check is out but I could walk it from Delaware in this amount of time. I have requested that they cut me a new check and send it via XXXX but they will not do that. This is not an insignificant amount of money and they have been holding it for four months. Please tell me what do I have to do to get my money back?

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 2018-01-17
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a follow-up from a previous complaint ( XXXX ) that was closed, but not resolved. National Credit Systems continues to falsely report on my credit file for XXXX and XXXX. The last response from this company was that they would forward me valid documentation as proof of an alleged debt truly owed to them. I have yet to receive such documentation. Either 1 ) they never sent it or 2 ) They sent documentation to another party and they are reporting the debt under the wrong person. 

I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2016 we had discontinued service with a cable provider XXXX XXXX XXXX and resumed service with another provider XXXX XXXX. XXXX XXXX had received all of their hardware back and that was all we heard from them. Now we are receiving collection letter from a company named CBE group claiming we owe an outstanding debt from services from XXXX XXXX XXXX. We have formally disputed and all they have done is is sent us bills in which. We 're sent to us we disputed with XXXX XXXX and they closed account with XXXX balance and now these bills are reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I opened a credit card account with HSBC in XXXX of XXXX. I didn't use the card much but made my first payment online in XXXX, XXXX. I put my credit union account info in their system, made the payment, and everything was fine. I did the same thing in XX/XX/XXXX and they accepted the payment. I did not hear from them concerning any problems. I then made my regular payment in XX/XX/XXXX. They still did not notify me of any problems. My XX/XX/XXXX payment was made on XX/XX/XXXX, and went through again. This month i noticed late fees for XX/XX/XXXX & XX/XX/XXXX even though I paid before the due date. 
I called HSBC on XX/XX/XXXX at about XXXX and asked for an explanation. They advised me that the XX/XX/XXXX & XX/XX/XXXX payments did not go through. This was the first I had heard of a problem. They read me the bank account number for my payment and the last digit was a " XXXX  '' instead of a " XXXX ''. I had never changed it so they referred me to the fraud department. Based upon my logins, they concluded that there was no fraud and it must have been a " glitch '' at their end. When I was transferred back to customer service, they refused to change my credit report showing I was late on payments. I have never been late on a payment to my other numerous credit card companies, My FICA score was over 800 before they messed it up. I need them to correct their report to the credit bureaus so this can be rectified. I don't feel a call from me will do the trick.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-05-13
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Paying a loan where funds are not going towards my principal amount.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am XXXX  and have been take advantage of since being rear ended in my car. I have my lawyer XXXX me just to get affiliation with the larger firm. My doctors ignored my cardiac arrest that happened 5 times a week for over 5 years. Now I hade a refinance company coach me through refinancing my home. I thought they were helping me. A year later I had to file bankruptcy and struggling to keep my home and pay for my medical on my XXXX checks. I suffer from chronic pain and daily migraines which make it hard to make proper decisions for myself. I also take care of my elderly XXXX mother. In same house. I need new ac units they are 16 years old and unable to pay for maintenance. I was doing good  when I first purchased the house. Now I find out they put me so far out on my debt to income ratio I cant even get help. I have already applied for loan modification per my bankruptcy lawyer. SLS is yet to respond except to increase payments due to short in my escrow.

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 2018-01-17
Company: EQUIFAX, INC.
State: CT
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:
XX/XX/XXXX I decided iwanted to get some help with my student loans ; have my loans forgiven or reduced.I then started doing my research and came across XXXX XXXX i gave them a called andspoke To XXXX XXXX I briefly told him about my stitutaion, He then Instantly told me that he could help me, and i came to the right person.He told me how XXXX XXXX been around for a long time, helped millions of students around the world with their loans and also XXXX XXXX was apart of the obama student loan forgiveness.He then asked me for my ssn DOB address, place or employed and so on. so he could get started, I proceed by doing so.After I was finishing giving him all my information, he told me that he would get back to me in a week or so he had to send my information to the DOE. after a week i notice that i was getting calls from different numbers, i got scared and told them to cancel my application.on XX/XX/XXXX a  charger of XXXX was posted to my Credit report from XXXX XXXX XXXX  on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to furnish any hard inquirys on my consumer report. 


This has caused me defamation of character, severe hardships, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I cant apply for credit, my ability to apply for credit is tainted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from Wakefield & Associates in regards to an account with XXXX XXXX XXXX. First, I have never heard of XXXX XXXX, nor do I know what this is in regards to. This letter ( also included with this complaint as Document 1 ) does not state what product or services were given ; only information is a date and amount. At this point I can not properly dispute what this is in regards to or ask the right questions to determine how this should be disputed. I would also like to point out that there is an interest owed section in this letter. Why would I want to pay interest on an account that I was never notified existed, and has taken over 25 months for someone to contact me about it. 
There are a few basic questions I can ask at this time ; but depending on the answers, further escalation with the CFPB may be required.

1. What products or services were given on the service dates mentioned?

2. If these were medical services, was financial aid available if requested?

3. What method of contact was used to notify about this account? Written letters ( statement and mailing dates needed )? Phone calls ( date/time needed, what number was called, was voice message left )? Was email sent ( what email address was it sent to, what domain did it originate from )?

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 2022-01-10
Company: Experian Information Solutions Inc.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-11-19
Company: CITIBANK, N.A.
State: PA
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:
On XXXX XXXX we entered XXXX XXXX, enticed by their outdoor CLEARANCE notices. After two hours of viewing furniture with salesman XXXX XXXX. ( none of the XXXX employees disclose their last names ), we used our CITICARD ending XXXX to pay {$7400.00} for XXXX large pieces of furniture ( sales detail attached ). XXXX XXXX and XXXX XXXX clearly understood the furniture was intended for an, under construction, vacation home located at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX, Ohio. and delivery would not be possible till XXXX or XXXX. The very next day, XX/XX/XXXX, XXXX tried to schedule delivery. Under the XXXX hour cancellation, we tried to cancel the transaction. 
From XX/XX/XXXX to XX/XX/XXXX through numerous voice and written contacts with CITIARD BILLING DISPUTES ( XXXX ). CITICARD denied cancellation. 
Requiring us to pay them {$7400.00} for the XXXX pieces of furniture. 
During the 4 months no " CITICARD INVESTIGATOR '' contacted us, and apparently accepted the absolute false statement by XXXX XXXX, mgr of XXXX, that this XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX wife XXXX XXXX, walked from the store with all XXXX pieces of furniture on XX/XX/XXXX. 
NONE OF THE FURNITURE WAS TAKEN OR LATER DELIVERED TO US. 
Yet CITICARD demands payment.

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 2019-02-12
Company: EQUIFAX, INC.
State: VA
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 purchased a van through XXXX XXXX XXXX in XX/XX/2015. The vehicle was purchased for {$23000.00} Made 12 payments. after a year and half i had financial difficulties and the vehicle was repossessed by the bank. However after that the bank has been notifying credit bureau for the original amount even though I had made total of {$5700.00} and they sold the vehicle at the auction for {$9800.00} ( is what they told me ). I have been disputing wrong information with the bank and all three credit bureaus but the bank has been insisting on feeding all three major credit bureaus with incorrect information. Still, after countless disputes and calls I have made. So far no good luck. They do not want to correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX was contact my me loan holder, XXXX XXXX XXXX XX/XX/2022 in effort to obtain documents for a home loan refinance. At time of call XXXX, XX/XX/2022 I was automatically transfered to loan servicer named, Mr. Cooper XXXX At that transfer I learned that my loan information was not available to the proposed new servicer, Mr. Cooper. The representative in the CSR at Mr. Cooper was kind enough to call with me to XXXX XXXX XXXX XXXX XXXX, that call was not successful in reaching anyone in person at XXXX, XXXX. 

XXXX  XX/XX/2022 at XXXX pm I called again to make a connection to pay my mortgage, same process was made available. 

I was transferred to loss mitigation at Mr. Cooper, XXXX helped me. She stated that selling loans is common and needs time to transfer. 

I was not notified of this transfer and find this process unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to report any hard inquirys on my credit report. 

This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.

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 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information!

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 2018-01-17
Company: EQUIFAX, INC.
State: PA
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:
Hello I have been with this mortgage company for 12 years and I pay them every month, I disputed how they were reporting my information they have been effecting my credit score for years so I sent a letter to the bureaus to pay attention to my report and they still are neglecting to correct their mistakes. I will list mistakes now 1. High Balance is missing 2. Payment history showing 120 days late for over a year how is this mathematically possible? Does this sound right? The Limit is also missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to report any hard inquirys on my credit report. 

This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX XXXX XXXX in the payment history section XXXX is reporting 20 late payments, XXXX  XXXXs reporting 18 Late payments, and Transunion is reporting 16 late payments. Now all three of these balances can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.

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 2019-02-12
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have repeatedly tried to contact CMI to remove an incorrect account off my XXXX, XXXX and XXXX credit reports. Its hurting my ability to apply for new credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have repeatedly tried to contact diversified consultants about a incorrect account on my XXXX, XXXX and XXXX  credit report. Its hurting my ability to apply for credit.

Company response to consumer: Closed with explanation