BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-12
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Sampler points XXXX {$2900.00} Down payment : {$0.00} Used three nights so far. 

We purchased a Sampler packageXX/XX/XXXX A Barclaycard was used to make the purchase. The card is only in my name but XXXX and I are both on the purchase agreement. We agreed to this purchase only because we had the agent XXXX XXXX at XXXX XXXX XXXX XXXX XXXX in XXXX. We turned down XXXX XXXX. They brought in a second agent. 
They brought in a third agent, XXXX XXXX, who offered us the Sampler for {$30.00} dollars a month for 18 months and said there would be no down payment required. 
We repeatedly verified with XXXX that we would have NO down payment and would pay only $ XXXX for the 18-month period. The agents specifically asked us, What if it was just {$30.00} a month for 18 months and no down payment. 
This would mean our total purchase would be {$540.00}. They checked boxes on the agreement underneath the {$2900.00} that stated 1. No down payment due and 2. No balance due - so we felt assured this was a promotional package that would cost us only {$30.00} per month for 18 months. 
The first payment of {$30.00} was in XXXX XXXX. I noticed in XXXX XXXX the minimum payment increased from {$30.00} per month to over $ 75 month. 
I contacted Barclaycard. After reviewing the contract they explained no down payment means XXXX was paid in full by XXXX. In other words, it was a loan but no terms were stated. 
My balance is {$2800.00} as of XXXX. 
Because of our personal income and expenses I would have not purchased this product had I known or been informed of the actual terms. 
XXXX XXXX has been issued an Assurance of Discontinuance by the Arizona Attorney General accused of violating Arizonas Consumer Fraud Act. I understand that in Arizona alone there have been over 900 complaints from XXXX members about predatory sales and lending practices. In addition a lawsuit has been filed in federal in Nevada against XXXX for a XXXX dollars. 
This predatory lending needs to stop. I am hoping the Consumer Financial Protection Bureau will help us resolve this situation as I am not able to afford this product after being deceived into buying it.

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 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 Compliant accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX ( OC : XXXX XXXX ) - Account : XXXX  Creditor : XXXX XXXX ( XXXX XXXX ) - Account : XXXX Creditor : XXXX XXXX ( OC : XXXX XXXX ) - Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2019-06-18
Company: Title Security Agency LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
An account number was entered incorrectly, so my financial institution froze my accounts and is refusing to allow me to make payments. Ive been notified of a default notice, but they will not make changes to allow me to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My Western Union account was compromised and unauthorized wire transfer was made using my husbands debit card for a joint XXXX XXXX Account. I have since filed a police report and am working with Officer XXXX Badge # XXXX in regards to the charge. The information has been forwarded to Western Union at fax # XXXX-XXXX-XXXX-XXXX Attn : XXXX XXXX. I was a victim of identity theft by a 3rd party and should not be held liable. ( MTCN ) is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called USAA consumer service on XXXX XXXX XXXX to question the continued interest on a XXXX cash advance and was told nothing could be done to rectify to matter. 

I 'm a veteran and I feel I am being cheated and was misled in regards to the use of a USAA credit Cash advance feature. I took out XXXX as a XXXXash advance in XXXX. I was told that the repayment of the XXXX would be applied first from my monthly payment and that I would have to pay interest on the advance until it was paid off. This is acceptable, but now I 'm find out I have to pay interest on the XXXX until the total credit card balance is paid off. USAA is charging interest on the credit card balance and plus charging interest for a XXXX  cash advance that has been paid in full for the life of the card. DOUBLE INTEREST! 

If USAA disclaimer was made clear, I would not have accepted those terms. Who would? 

They said that they read the terms explaining the interest on the advance continues until the Purchases on the card was paid off, I disagree, it was ( the cash advance ) until advance balance, not the full card balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-17
Company: EQUIFAX, INC.
State: SC
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 called Equifax and reported a fraudulent account on my credit report on XX/XX/20 dispute number XXXX. They removed the dispute within days without investigating. I had to open a second dispute XXXX, and now Im having to go through the process of proving this account is not mine. I dont believe they really investigated the first time I placed the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: EQUIFAX, INC.
State: FL
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 respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 Compliant accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX ( OC : XXXX XXXX ) - Account : XXXX  Creditor : XXXX XXXX ( XXXX XXXX )  - Account : XXXX Creditor : XXXX XXXX ( OC XXXX XXXX XXXX ) - Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: PNC Bank N.A.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Loan was paid off on XX/XX/2019. PNC said they would hold the lien release for 7-10 days. On XX/XX/2019, they instead mailed a check of {$0.00}, and continued to hold the lien release until XX/XX/2019. They verified that they had finally mailed the release on XX/XX/XXXX, which if the {$0.00} check is an indicator, will not reach us until XX/XX/XXXX at the earliest. 

Filed complaint with PNC on XX/XX/XXXX ( # XXXX ). 

How is it justified to withhold a release of lien for 21 days without any compensation? This has held up distribution of funds in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I had recently sent a request for my all  XXXX  of my credit reports by      XXXX   XXXX   XXXX   XXXX   and TransUnion responded and requested for information . In response to  TransUnions  request I sent my ID and Social Security card. Today I received another reply from TransUnion and I did not not need to go through this same process with the other credit bureaus which were cooperative. I have lived at my current address for more than 2 years and had sent TransUnion my ID and Social security card as requested.

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 2019-08-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not responsible for the balance debt of this Wells Fargo XXXX XXXX. As this was not done by me and was reported fraud. What I was responsible for, Ive already paid and this credit card account was closed by the grantor after nothing was done by the fraud department and the balance charges was accumulating/ interest charges and also prior unauthorized charges. In order to satisfy this debt not owed by. I will not pay this balance, due to even if paid this will still reflect on my credit report as a Charge Off account that will just say Paid. If this balance was to be paid there needs to be an update to the credit bureaus. Stating paid as agreed and the status should no longer be listed as a charge off account and only show closed.

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 2020-02-17
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have been harassed by Citibank & XXXX from last six months. It was on XX/XX/2019, there was fraud transaction using my Citibank credit card worth net amount XXXX. I raised the dispute immediately after I received the message with Citibank as well as XXXX. To my surprised even after logging in dispute with Citibank the bank cleared the payment to XXXX through which the fraud was done. 

I had been writing to Citibank at every possible level and the only response it gives is that it was an OTP transaction and it was secured one. I never received any OTP and I had been reinstating on this again and again. 

Please help.The complaint number with Citibank is XXXX 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 2019-06-18
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
A friend send me XXXX then send XXXX more I try to transfer the money to my bank but Venmo cancel my request then 2 days later they send me a email saying my account was deactivated. I email them back in said what is going on with my money they told me a email to not contact them anymore. I then try to call a supervisor at Venmo. I then call my friend who send me the XXXX to call Venmo to file a complaint about the money he did that. Then someone email me from Venmo in said I can not get any money until 180 days. I have email and message from Venmo and my friend who send me the money thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After obtaining a credit report I notice a few debts that are not mines and needs to be removed off my credit files. 
Debt Agencies : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Debt amount : {$1600.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Debt amount : {$230.00} {$210.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX Debt amount : {$230.00} I never received information in the mail on these debts reported.

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 2019-04-11
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: Account information incorrect

Complaint:
I have in my credit a 30 day late in XX/XX/2019 XXXX ACCOUNT # XXXX.I already dispute and nothing happen.The information is incorrect .Im not late.

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 2022-03-03
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received two statements on XX/XX/2022 -- one in the amount of {$1300.00} and the other for {$510.00} for services provided on XX/XX/2022. Owed to XXXX XXXX of XXXX. Statements from Online Information Services XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX. 
There is no such business in XXXX ; I live in XXXX XXXXXXXX XXXX 
I saw no health provider that date. 
No claims were filed on my medical insurance. 
These are total fabrications.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Address ID XXXX Account number listed XXXX .... is listing account as XXXX $ as of XXXX/XXXX/XXXX date open XXXX Is falsely reporting to my credit as account closed/written off as of XXXX. 
I have sent certified mail to verify this account and was returned on XXXX and again XXXX/XXXX/XXXX which was recieved but no response to verify the account was legitamate and in fact my account. 

XXXX XXXX XXXX. Box XXXX XXXX, sc XXXX Address Id XXXX account number listed is XXXX Balance XXXX as of XXXX/XXXX/XXXX Listed as a Debt Buyer This is a debt buyer purchasing a debt that originated as a XXXX debt. date opened XXXX This has been reported as fraudulent activity multiple times to XXXX and instead of sending me proof of the debt they sold it and stated no longer liable. 
Was reported to for both the Debt buyer and original creditor as well as all 3 credit reporting agencies to be Validated and again no responce. I will also report to FTC and BBB As this report is to be removed from all three agencies immediately and in a timely matter. 

XXXX XXXX AAddress ID XXXX account XXXX debt amount XXXX as of XXXX/XXXX/XXXX this debt please remove as the above accounts tried to verify legitamacy with cretified mail and requests to credit agencies and no responces. This account is also going to be reported to FTC and BBB for both agency and credit bureaus for non compliance. 

MY REQUEST ARE FOR THESE ACCOUNTS TO BE REMOVED IMMEDIATELY AND IN A TIMELY MANNER i have numerously requested the credit bureaus to do the same and the disputes come back as complete but no proof is still given. I have opened a case with the BBB and the FTC over the accounts and the Practices of the credit Companys reporting. I want the account in question removed from all three credit reporting agenies 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 2017-11-12
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my personal credit report and I noticed a list of unauthorized inquiry had been made such as XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXX DC XXXX XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), And XXXX XXXX ( XXXX/XXXX/XXXX ). 

I have contacted who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my personal credit report and I noticed a list of unauthorized inquiry had been made such as XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXX DC XXXX XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), And XXXX XXXX ( XXXX/XXXX/XXXX ). 

I have contacted who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.

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 2022-03-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # 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 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 2019-06-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage is with OCWEN which recently has converted to PHH. My loan number is XXXX. About six months ago they increased the rate to 5.625 from 4.875. All the increase in payment went to Interest not principle. After ten years of this loan I am paying {$920.00} in interest and {$540.00} in principle. Before the rate increase the amount of interest and principle were approximately even. 

This is my complaint. Two things : First I feel they have cheated in the way they applied the extra payment and that now I have almost no principle reduction. Second I requested an amortization schedule and they have refused to provide it.

Company response to consumer: Closed with explanation