BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotional offer from Barclays about 0 % APR upto XX/XX/XXXX, with only balance transfer fee of 4 % and no other fee. After a few weeks into the offer i see that they have charged me a minimum payment which is due on XX/XX/XXXX. I had multiple calls with their customer service teams which i believe is based in a XXXX  country, and they keep misleading the customer by giving them false information without logging proper details of the calls to the extent of giving information which may not be true just to get an upset customer off their back, and when i have called on the following day i was given a totally different answer by the agent who handled the call at that time.I was even assured by one of their team leads in US that there will be no charge till next year XX/XX/XXXX but now they have gone and billed me a monthly minimum payment due. I would lodge a complaint for misleading me entirely not only thru false advertisement but also thru their call centers and their agents, this has negatively affected my credit score and I have spent countless hours in trying to resolve this issue without any luck, I wish to cancel my card and be compensated fairly for my losses

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 monetary relief
Consumer complaint received 2017-09-29
Company: Southwest Recovery Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company I have never heard of, nor have the contact information for, has listed a collections debt on my credit report. It appears to be Southwest Recovery Services. The collection on the account claims I owe {$1100.00} from XXXX of 2016, yet I opened no new credit that year. I have never received any mail or calls from this company so that I could either pay the debt to avoid collections, or, to be able to dispute the debt if it was indeed unfounded. This is a very scary thing that a company can just put something on my credit report, affecting my score and reputation, with something I know nothing about. I have filed with XXXX to dispute it and have it removed, but I do n't know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX My sons and I became stalked, harassed and illegally monitored by corrupt cops/XXXX XXXX XXXX and my felon ex husband XXXX XXXX also reported to FTC. 
My children were taken illegally. I was unlawfully detained ( they had no proof ) money was stolen from me. I was approved for a loan modification X/2016 at an unusually high rate by Ditech bank then they foreclosed on me with fraudulent statements and documentation ( lied ) using a real estate law firm in LA XXXX. This is now going to be part of the FBI case that is open of terrorism by these corrupt individuals. I have a claim/case open of fraud into the DAs office and home insurance. My move out date was X/X/2017. This should have never occurred and it stops at every level right now. 
I expect every corrupt participant to be charged and incarcerated for this crime, their businesses shut down permanently, my children returned to me safely immediately and full financial restitution and recovery for this immediately. Gods truth only. I want this completed right now-

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is reporting a debt on my credit file that is not mine. I am no longer an authorized user on this card and It needs to be removed off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: FC HoldCo LLC
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I spoke with XXXX XXXX which at the time I was told they were putting notes in my file about contacting me. I have gotten numerous call in a single day over 4 each day and I also received a call on Sunday XX/XX/2019 at XXXX. Which I have read they are not allowed to call after XXXX. This company already has a class action against them for this very reason.

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 2022-04-27
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:
I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX XXXX  Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX XXXX  Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX XXXXXXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 15 U.S.C 1681 b

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am Submitting this complaint to you today to follow up the complaints and letters I previously submitted. I sent a letter addressed to the Credit Bureaus on XX/XX/XXXX to remove the Disputed Fraudulent items that are completely UNKNOWN to me. I have read that under the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. I feel like the Credit Bureaus have not yet taken action to my previous complaint and I going to follow up the complaints O previously submitted. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXXXXX Balance Owed : {$350.00} XXXX  date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX US SM BUS ADMIN XXXX date of inquiry XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

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 2021-12-02
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Company has failed to refund escrow balance past 20 days. Currently sitting at XXXX days with no escrow refund check, company has been vague, ignored, and been misleading as to when/if they will reissue. 

XXXX rep XXXX XXXX was particularly misleading and stated the company is under no obligation to meet any regulatory timeline to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2022. I was in a store trying to use my Capitol One card and a transaction was declined to my surprise for {$3.00}. The keypad said the card I used was invalid. I then went to another store to use the credit card at XXXX XXXX ( about $ XXXX {$4.00} ) and it said the card was invalid. On XX/XX/2022 I called Capitol One to find out why the card was declining and a guy by the name of XXXX said he wasn't sure what happened and read a letter to me that was never mailed out. The letter said I did something wrong. He kept me on hold for about 5 minutes looking for collections and customer service, but he couldn't answer a lot of the questions I had and seemed confused during the duration of the call. The credit card has a low balance and is still not working at registers. I have yet to receive a letter in the mail that makes sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I tried transferring a prepaid coupon gift card issued to me by Amazon.com to my Amazon Prime.com Card Store Card Account. amazon states they they can not do that and I would have to deal directly with the bank that services their Amazon Prime Store card accounts.

Amazon Prime Store card account is serviced by SYNCHRONY BANK.

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 2020-10-08
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2020-02-21
Company: AFNI 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: Their investigation did not fix an error on your report

Complaint:
I filed a report with XXXX  over 30 days regarding fraudulent accounts. The account were not removed. I provided a police report and FTC report and nothing was done. I called back to XXXX  and spoke with XXXX at XXXX XXXX  on XXXXand he stated he would not file a dispute for the following accounts below : US DEPT OF EDUCATION US DEPT OF EDUCATION US DEPT OF EDUCATION XXXX  XXXX  XXXX XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used my bank 's quick pay service ( By XXXX ) via my XXXX checking account to purchase football tickets this morning ( XX/XX//2019 ) that were advertised on XXXX. I transferred {$150.00} and the tickets were never delivered and communication then ceased. The phone number that was communicating with me was XXXX and stated their name was XXXX XXXX. The phone is an internet phone # that you are unable to call ... wish I would have tried that to begin with. Their email that I used to send the money was XXXX. I filed a complaint with XXXX   as well but my bank simply told me that there was nothing that they could do. This is a bank certified service allowing the transfer of funds from different institutions and there is nothing that they can do? I thought that I was protected here?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Commonwealth Financial Systems, 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: Information belongs to someone else

Complaint:
This Company Claims I have several accounts in their office which none have been validated even though I have sent several requests. This company further posted inaccurate information to my credit reports after changing account information. I have sent multiple copies of what is required of me to support my identity theft claim including and not limited to an FTC identity theft report. I have also reported this to the FTC XXXX knows they are in violation and has not handled this complaint correctly and defiantly not in accordance this FCRA or FDCPA. This company should not have posted any accounts to my credit reports without sending me information to request validation. XXXX knows is aware they have not followed compliance rules. Therefore, they changed account information. The account is not listed as a medical collection it is listed as a charged off debt. According to FDCPA XXXX must remove this inaccurate information which they know. Again, I have submitted valid proof of my identity theft claim which XXXX was in receipt of on XX/XX/2019 via certified mail and signature receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Bridgecrest Acceptance Corporation
State: VT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XXXX of 2021 Bridgecrest placed my vehicle for repossession without warning or any way of settling the unpaid balance to avoid repossession. When I contacted them to settle the debt the first rep could not help me, I was transfered to a supervisor who told me if i paid the past due balance they'd cancel the repossession. I needed to wait one day to be able to make the payment, when I called back the next day they would not accept my payment even though the supervisor had made the guarantee to me. Bridgecrest repoed the vehicle in XXXX of 2021.

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 2022-04-27
Company: TD BANK US HOLDING COMPANY
State: IN
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:
Late XXXX I traded my car in, XX/XX/XXXX payment in full ( check # XXXX ) was sitting in TD Auto Finance 's XXXX XXXX ( got from their website ) sent from dealership certified mail. Middle XXXX TD had not cashed check and reported on credit report as late. Called TD gave them dealer info. Dealer had to cancel first check, send new check ( certified ) to an address in South Carolina. TD signed for check on XX/XX/XXXX ( check # XXXX for {$18000.00} ) TD held check until XX/XX/XXXX then charged off loan on XX/XX/XXXX. XX/XX/XXXX TD reported a charge-off in the amount of {$17.00} claiming is was interest on the loan that was charged during the time they refused to go to the Post Office and get the original check ( check # XXXX ). XX/XX/XXXX TD reports " Paid, was a charge-off ''. which is incorrect and fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-29
Company: WELLS FARGO & COMPANY
State: NC
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 XXXX XXXX, 2017, my husband and I each applied (separate accounts) for a Wells Fargo XXXX XXXX XXXX Card at a Wells Fargo Branch located in XXXX, North Carolina.We each went through the application process and each reported $XXXX of monthly income to the banker XXXX XXXX. At the end of the application process I asked the banker what credit limit we would have on the accounts.  The banker told me that I (female) had an $XXXX limit while my husband received a $XXXX credit limit. I asked the banker why my limit was lower and he could not give me an answer.  Said that's what the system gave us.  I have reported the issue to Wells Fargo Customer Service and to this date they have not told me why my credit was issued at a lower rate.  The banker did try and get the limit raised, I do not know the status of that request.  I have now received information from the bank (Wells Fargo Consumer Credit Solutions) with the last four digits of the credit card numbers issued to us and our credit scores.  My credit score was XXXX while my husbands score was XXXX.  So, why did he receive a higher credit limit?  We just received the credit cards.  I have a credit limit stated at $XXXX and no cash advance amount indicated.  My husband has a credit limit of $XXXX and was given a cash advance limit of $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 2022-04-27
Company: EQUIFAX, INC.
State: AR
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 act XXXX Account # XXXX XXXX  XXXX, XXXX XXXX, XXXXXXXX  XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX  XXXX , XXXX/XXXX  XXXX, XXXX  XXXX XXXX  XXXX , XXXX  XXXX XXXX XXXX  XXXX, XXXX  XXXX  XXXX, public record bancruptcy XXXX, has violated my rights .

15 U.S.C 16811 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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 act 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  XXXX, public record bancruptcy XXXX, has violated my rights .

15 U.S.C 16811 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 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