BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-08-02
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An account for JARED-GALLERIA/XXXX  still appearing on my credit report. But i talk to someone to pay the complete balance and it would be removed in positive and its still showing negative. The account was paid in full already

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We, meaning my wife and I had agreed to a plan for 3 months of payments to be suspending for hardship if we made a payment to Barclays credit card to bring it up to date which we did. And now they have turned it over to a collection agency even after many calls to remind them we had an agreement. We have had 4 XXXX in the past 3 years with our daughter and all the bills we have is from Dr. visits and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I sent a payment of {$1900.00}. This payment was placed in escrow without my knowledge or my agreement. I made an inquiry to this payment in XXXX of XXXX and was told it would be taken care of. 
I was told that the payment was placed in escrow since it was a partial payment ( short {$99.00} ). Payment currently just increases from {$1500.00}. I believe your company to be honorable and would ensure it would do as it said. When I noticed in XX/XX/XXXX that the payment still was not applied correctly to my account. I called your company and insisted that I speak with a supervisor. I was told the payment was never removed from escrow and that made my account appear to be three months behind. During this conversation, I was once again ensured that the payment would be moved from escrow to my principal mortgage payment account. I requested that any interest or fees that accrued due to the displacement of the funds be removed or refunded to my account. I was once again ensured that this would also happen. 
In XX/XX/XXXX I called your company back once again because I notice the payment was still not applied to the correct account. I went through the process again explaining the problem and was ensure all corrections would be made as requested. Still, no progress was made on moving the funds to the correct account as of XX/XX/XXXX when I made another inquiry to why this problem persists. I was told this problem would be corrected by XX/XX/XXXX. I waited and called back to see if this was truly the case because, at this point, I have lost complete faith in anything I am told by your agents. Once again, I asked to speak with a supervisor, I was informed that the money would not be moved because it was past the six-month period to dispute. 
I have been calling and disputing this issue since XX/XX/XXXX and now I am told that is can not be done due to time expiration. I was not informed in writing about the moving of my payment to escrow. I received no notice asking me if this was something I agreed upon. Each time I call the person I speak with has no record of the previous call or transcript of the calls. 
I just received a denial letter from LoanCare which stated the same thing that they said over the phone. In the document attached they only included payments from XX/XX/XXXX until the present. My problem with that is why not send all my payments on the account so I can see how everything has been applied to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: MS
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 explanation
Consumer complaint received 2020-07-17
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
there was many charges in a 24 hour period i called as soon as i saw them and filled the response in the correct time then on the 11 day the suspended my account and said they said i authorized the charges and then after i said i would stand before a judge and swear i didn't and that all the charges where non swipe that only one after doing my own investigation was me and that i did not dispute that charge they did. they said well you request but since your account is suspended that i can not. when i asked what did i do wrong they said 22d of the member agreement but i said that says i was responsible for the charges and i am not

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
{$2500.00} has gone missing from my savings account after an ACH bank to bank transfer was initiated. 

2 trial deposits were first received at my XXXX XXXX XXXX and then a they were removed, proving that the routing number and the account numbers were correct. These were processed on XXXX, the same day the ACH transfer went missing. 
Another ACH transaction was stopped on XXXX. 

I have been calling their online phone number for the last 2 weeks  with no progress, just a run-a-round. Spent an hour on the phone on XX/XX/2020 and paid a driver to visit the branch in-person. Spent 2 hours talking to the branch manager. He called a bunch of internal people with no result. I asked for the money to be replaced in my account and they would not do that. 

They basically stole the money from me. I want them to refund the stolen money and the guilty parties fired or put in jail!!! 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a denial letter that describes information that is invalid, fabricated, or an egregious error on the part of the Card Company. 

There is nothing on my credit profile that is even close to the examples Luxury Card detailed within the denial letter. Copies will be attached

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 2020-08-02
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: Account status incorrect

Complaint:
This company is reporting an unverified late payment on my account.. Please be further advised, I dispute the validity of the late payment in its entirety. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Self Financial Inc.
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I signed up for a credit builder loan with Self Financial post bankruptcy. The loan was initially {$3000.00} over 24 months with a {$500.00} in interest. After making my first payment, I found they closed my new account under XXXX XXXX XXXX, this was opened post bankruptcy. I called and tried to resolve but they claim the account was open even though it was reported closed. I paid my {$150.00} payment which then slowly started to drop to {$73.00}. I called and asked for my {$150.00} back and my account closed, they stated the other {$75.00} was an interest payment. However I feel like I should not pay interest on a loan that I have not received or has benefited me per their agreement. So in all, I am paying {$75.00} for them to open an account and close it. They are willing to only close my account and send me {$75.00} back. I want my full amount back since they have not provided the service I have paid for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-02
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a total of six advertisement credit card applications with six different names registered at my address. I have lived at this address for over 24 years. My name was on one letter and five other, unknown names were on the other five letters. 

I received these six letters in the mail on XX/XX/2020. The company is called US Bank. 

The mail solicits that I activate a debit card from usbankreliacard.com which already has {$75.00} available for my use. I am concerned about this as a potential bait and switch, but I am more concerned that five other names have been sent to me. I could submit all of these cards, potentially, and get money on false names. 

Please let me know if there is a possibility that five other people are identified as living at my address -- that's one big worry. Worse, is this a hidden scam? 

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 non-monetary relief
Consumer complaint received 2021-05-05
Company: Centralized Business Solutions Company
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received debt collection letter in XX/XX/2021 for medical bill. Never received previous medical bill from provider. In XX/XX/2021, sent dispute letter asking for copy of last billing statement, amount of debt, amount of reductions since billing statement, when debt became due, and whether debt was within statute of limitations. 

We knew the debt from collection agency was wrong because insurance had recently made a payment after the provider finally billed them in late XXXX or early XXXX. The provider didn't send a complete claim to insurance until after they contacted the debt collector. The collector never responded to the dispute notice or any of our questions. They only provided a new bill for the correct amount in XXXX and ignored our previous communication entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to dispute these inquiries : XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019. These actions were initiated without my consent to the following companies. These inquiries are not factual since I never authorized 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 2020-11-28
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, We are writing to dispute the following accounts that have been reported on our credit report. We believe that these accounts violate the following laws : XXXX. Fair Credit Reporting Act ( FCRA ) XXXX. Fair Debt Collection Practices Act ( FDCPA ) XXXX. Fair and Accurate Credit Transactions Act ( FACTACT ) XXXX. Truth in Lending Act ( TILA ) XXXX. Real Estate Settlement Procedures Act ( RESPA ) XXXX. Equal Credit Opportunity Act ( ECOA ) XXXX. Fair Credit Billing Act ( FCBA ) The following accounts have been reported on our credit report, and we believe that they are in violation of the above-mentioned laws : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account We request that you investigate these accounts and provide us with a written explanation of the results of the investigation. We also request that you remove any inaccurate, incomplete, or unverifiable information from our credit report. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2022-10-01
Company: NAVY FEDERAL CREDIT UNION
State: SC
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, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15-USC-681 SECTION 602 STATES, I HAVE THE RIGHT TO PRIVACY. 15-USC-681 SECTION 604-A SECTION 2 ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15-USC-1666-B STATES A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-11
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written Instructions!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My XXXX XXXX credit card was reported to TransUnion with incorrect info. It says my balance is {$1200.00} however my balance is {$160.00}. See below attachments

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 2023-04-13
Company: Experian Information Solutions Inc.
State: MD
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00} XXXX XXXX Balance XXXX {$910.00} XXXX XX/XX/2022

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