BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-04
Company: BARCLAYS BANK DELAWARE
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 status incorrect

Complaint:
This complaint concerns XXXX XXXX XXXX XXXX XXXX Account No. XXXX As per our conversation on XX/XX/XXXX, XXXX XXXX XXXX represented that upon receipt of my last payment on the above referenced that they would remove any delinquent/derogatory status from my consumer files as maintained by XXXX, XXXX, and XXXX consumer credit reporting agencies. By payment on XX/XX/XXXX, I satisfied my obligation to XXXX XXXX XXXX with my last payment. Nevertheless, the continue to report my account as delinquent/derogatory status from my consumer files as maintained by XXXX, XXXX, and XXXX consumer credit reporting agencies contrary to our XX/XX/XXXX agreement.

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 2021-06-14
Company: EQUIFAX, INC.
State: MD
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 am submitting this complaint because the companies listed have failed to respond to my requests to correctly validate the debts they are alleging belong to me. I sent a letter with documentation proving the debt is mine on XXXX XX/XX/2021 and have not received a response. The Fair Credit Reporting Act Section 611 ( a ) stats that a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has almost been 45 days. The items that I have listed within the correspondence I sent them must be deleted immediately please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Northstar Location Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This collection agency is calling my BUSINESS number looking for a family member. They are also calling before XXXX XXXX. Number 1, illegal to harass family members and question them, number 2, illegal to call that time of the morning. RUDE, threatening, just disgusting behavior. I have reported them to local autholrities and I have blocked their number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error XXXX XXXX XXXX consumer by law at XXXX  information XXXX XXXX XXXX  misused at XXXX I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Their staff is unprofessional and they use malicious intent to collect money that does not belong to them We do not owe these people nothing Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: FORD MOTOR CREDIT CO.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XXXX XXXX XXXX-located at XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX I am asking for help with having XXXX XXXX XXXX check my vehicle to ensure the safety of it and repair the malfunction of this vehicle. The malfunction of my gear shift control has left me alone and stranded ( sometimes at night ) and possibly could have placed or even can still place my life in danger. 
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX-located at XXXX XXXX XXXX, XXXX XXXX, MS XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX, on several different occasions the gear shift in my car has gotten stuck in park. The check engine waring has also come on serval times. This failure has caused me to be stranded in the parking lots of stores and once about 20 miles from home, late at night. I am almost afraid to drive the car. 
I called and reported this problem to XXXX XXXX XXXX, and I was given an appointment to bring the car in for inspection. On XX/XX/XXXX, I was told by a service advisor ( XXXX ) that I would have to pay {$100.00} just to have them perform a diagnostic test to determine if there was a problem and if there was, I would have to pay anther {$100.00} plus any other costs if the warranty did not cover the issue. I was told I would have to pay the total costs of any services before I could get my car back. 
I have not been able to work since XX/XX/XXXX and I can not afford pay any amount of money. I was forced to take my car back home and as soon as I left the lot, the check engine light came back on. 
I understand my financial problems are not Fords problem and I am not asking for a handout, only to have this company check my vehicle to ensure the safety of it and repair the malfunction of this vehicle. This malfunction of my gear shift control has left me alone and stranded ( sometimes at night ) and possibly could have placed or even can still place my life in danger. 
I purchased this pre-certified vehicle from XXXX XXXX XXXX in good faith and because I was told it was in its best condition and Ford had maintained the best upkeep on it. 
On today, XX/XX/XXXX, while driving the car, the AC/Heat power button repeatedly turn itself back on, even I pressed the button to shut it off, it automatically came back on. This occurred about 7-10 times before it finally stayed off. 
I did purchase the Extended Service Plan Warranty for {$1900.00} upon buying the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
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: Their investigation did not fix an error on your report

Complaint:
I began disputing an incorrectly reported item on my credit report with Experian an XX/XX/XXXX. I initially requested validation of a reported debt with XXXX XXXX in the amount of {$520.00}. On XX/XX/XXXX they sent me an updated credit report stating the debt had been verified as requested and updated accordingly. They never sent me anything bearing my signature as requested. They did however update the entry on my credit report as disputed. I once again sent another letter requesting validation on XX/XX/XXXX.  They sent me another credit report on XX/XX/XXXX stating the item was validated, updated as such and remains on my credit report. On XX/XX/XXXX I called Experian and spoke with a lady named XXXX. I asked her what documentation does Experian possess to prove that this is indeed my debt? She responded by telling me we do not have anything nor are we required to maintain any documentation. Can you imagine how much storage wed need to maintain documents for every persons credit file we maintain? I told her that Experian is in violation of the FCRA section 611 ( a ) ( 1 ) ( A ) by not doing so. She told me there is nothing she can do for me except file another dispute. Experian has failed to validate this alleged debt on more than one occasion. Their failure to maintain accurate reporting on my credit file is hurting my credit score and my ability to qualify for a mortgage.

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 2021-09-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I reviewed my report and saw so inquiries that I had not authorized. They are not mine and need to be deleted. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove 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 2019-07-16
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal has demonstrated a pattern of transacting from my account without authorization. The latest problem involves a checking account with XXXX XXXX XXXX XXXX that is currently the subject of a complaint with the CFPB. Despite the fact that I removed that checking account as a payment source from my XXXX account, and added a different payment method, PayPal decided to transact from the checking account. Yesterday, I filed a dispute with them to stop the transaction and use a different payment method. That was before they sent the money from my XXXX XXXX Account. They refused, saying the " transaction was not unauthorized ''. Today, I called and spoke with two managers, and both of them refused to stop the transaction. Although I have told them that I did not and do not authorize the transaction, they insist that they know my intention better than I do, and they are substituting their intention and their will to conduct monetary transactions from accounts that belong to me. 

They claim that I have a billing agreement with XXXX, so therefore, they can transact from that account without further input from me. I told them that I updated my agreement with XXXX to change the payment source. Furthermore, their point is moot for the reason that I have stated my intention clearly that this is not a transaction I approve. 

This is not the first time. On XX/XX/2019, PayPal sent {$15.00} to XXXX from my PayPal account, even though I had purchased nothing from XXXX. This was actually the second instance of them sending money from my account to XXXX without authorization. The first time, I filed a dispute with PayPal and they refunded my money after " investigating ''. Nevertheless, they disregarded what they learned during their " investigation '' - that I have purchased nothing from XXXX for {$15.00}. They " denied '' the dispute that I filed, and only refunded my money when I called, and threatened to escalate the matter if they don't stop taking money from my account without authorization. Given the nature of my dispute with XXXX XXXX XXXX XXXX, it is not unreasonable to suspect that PayPal 's actions are not innocent mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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:
Barclays XXXX Mastercard incorrectly filed my item as " Item returned '' in the dispute case instead of filing it as " item rejected, not received. '' As a result of the Barclay Dispute department 's mistake, I was not able to get my refund of {$410.00} from the merchant, XXXX XXXX. Order # is XXXX. 
This is a violation of FCBA as Barclays Dispute department had incorrectly filed my dispute and is not unable to return the funds to me due to their mistake.

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 2022-04-28
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error XXXX XXXX XXXX consumer by law at XXXX  information XXXX XXXX XXXX misused at XXXX  I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: WI
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 a victim of identity theft and the creditors below has fraudulent accounts on my credit profile that needs to be remove immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
XXXX, XXXX  and Transunion is of committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item on ALL my consumer reports unethically. This is an invasion of privacy 1692 ( a ) and they are in violation. I have been down to the local courthouse several times and they told me they have not reported anything to these bureaus. So, how are they getting this information. This is a serious violation and this item must be removed from my consumer report. These companies are committing illegal acts against me by placing these inaccurate items on my report. I have been denied employment twice already because of my consumer report. These companies are under investigation by the ATTORNEY GENERALS OF THREE STATES, THE CONSUMER SENTINEL, THE CFPB, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SYFFERING AND ILLEGAL ACTIVITY.

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 2021-03-09
Company: EQUIFAX, INC.
State: NC
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 filled a dispute to in regards to incorrect items on my credit report. It's been well over 30 days and i haven't any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: GA
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 Collection Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: TN
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 following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX aXXXX XXXX account # XXXX Unknown Furnisher account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I am the Executor of the Estate. The Estate had a reverse mortgage with Lender/Servicer XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. In XX/XX/XXXX XXXXXXXX XXXX XXXX DBA XXXX XXXX requested the courts for a petition substitution from them to Mortgage Asset Management in which was granted. 

The Estate didn't receive a Notice of Transfer of Ownership that's required by federal law. ( 15 U.S. Code 1641 ) requires the new owner to send this notice within 30 days of the mortgage sale. 

We also didn't receive notification from mortgage servicer XXXXXXXX XXXX the change of hands, to new servicing transfer within15 days before the date the new servicer takes over. The new servicer PHH Mortgage Service didn't provide the Estate with a notice within 15 days after they take over the account. 

Representatives ( XXXX XX/XX/XXXX and XXXX XX/XX/XXXX ) from PHH Mortgage stated, " they weren't given any Probate or Executor information. '' Which is untrue all my information is on court documentation/proceeding request. 

They are clearly violating our rights under the Real Estate Settlement Procedures Act ( RESPA ), the Truth in Lending Act, and federal laws on banks by not providing documentation showing their legal rights of ownership to collect the debt or what is owed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: GVA Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
After accepting my loan and made my first payment, I attempt to track my interest rate on my great plain account by accessing their website, I noticed that the bi-weekly payments went to interest. The charges became excessive and amounted to only fees outside of the agreed upon amount. I borrowed {$500.00} and have paid back over {$900.00}. The company continues to harass me claiming that I owe them an additional {$2200.00}. for a above the amount that I have already paid back for a {$500.00} loan. Prior to receiving the loan I was not allowed to view the full agreement I 've tried to view the loan agreement at the company 's website but they will not allow me to see agreement I can only view the payment history which. I wish to be released from this fraudulent agreement. I can not phantom that an {$500.00} loan will cost {$2000.00} to repay. This is not a fair deal and I 've been scammed. Since I have already paid more than the amount I originally borrowed I would like them to consider my account paid in full and close my account. I would also like them to make ... corrections to my credit report saying the loan was paid satisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Money was being withdrawn from the checking account unauthorized close to the amount of {$2000.00}. When this was brought to the banks attention they had us to fill out XXXX XXXX XXXX XXXX claim documents, and we were informed that the monies would be returned. We were also informed that we would hear back from the bank within XXXX XXXX XXXX XXXX days. This was back in XXXX of this year. On Tuesday XXXX XXXX, XXXX we were informed by the bank that we would have no recovery but was not given a reason for the decision that was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I transferred money to XXXX from USAA on XX/XX/XXXX. The amount was processed by USAA on XX/XX/XXXX and removed from my account. On XX/XX/XXXX -- USAA charged me a {$29.00} insufficient fees and took back the money to XXXX. 

When I saw this on the XXXX -- I called USAA and they refunded the {$29.00} fee -- but they could not send the money back to XXXX. 

This same scenario has happened on multiple occasions where USAA prioritizes later payments made AFTER an amount has already been debited, and then retroactively charges me a fee and says the funds aren't available. 

I think they are deliberately doing this to scam people for ACH fees -- it has happened to me on multiple occasions over the past few years, and while I understand that when I can see that things are processed online and when it actually happens may be different -- this is a SCAM and it should be looked into -- and the bank should be responsible for properly processing payments in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation