BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
Company: BARCLAYS BANK DELAWARE
State: OR
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 had a $ XXXX XXXX newspaper subscription, that I ended in XXXX, drawing from my Barclaycard Rewards Mastercard. I had auto-pay set up, such that any bills to my credit card should have been automatically paid for from my debit card account at Oregon XXXX XXXX XXXX XXXX as had happened for over a year. This did not happen starting in XXXX, and the {$4.00} subscription cost snowballed into a {$90.00} credit card balance, due to late fees, which I only realized when I was sent a notice in XXXX that my account was being closed. A {$4.00} late fee was charged XX/XX/XXXX, {$12.00} late fee charged XX/XX/XXXX, {$25.00} late fee charged XX/XX/XXXX, and a {$40.00} late fee charged XX/XX/XXXX, in addition to {$0.00} " minimum charges '' each month starting in XXXX. I spoke to a Barclays customer service agent ( XX/XX/XXXX ). He told me that Barclays had made some kind of systems change, in XXXX I think, that resulted in a number of customers being taken off of auto-pay without their knowing, and with Barclays unable XXXX tell who had had auto-pay. He acknowledged that it was not my fault and thus removed all the late fees. I pressed him to remove the interest charged as well, which he said he did, such that I would have a XXXX balance after paying {$8.00} for the newspaper subscription ( now I'm not sure why I should have payed more that the {$4.00} for the XXXX newspaper subscription ). He told me he couldn't do anything about the lateness having already been reported to the credit bureau, but gave me their address for me to mail a complaint to. When I logged in Monday XX/XX/XXXX, it appeared I still owed {$90.00} due in XXXX, and also that I had a balance of {$2.00} due now. I called back and they said I know longer owed the {$90.00} but did owe {$2.00}, which they removed on account of that being from interest that shouldn't have been charged. They said they could NOT re-open my account without me reapplying. My complaint is on behalf of all the other auto-pay subscribers who were taken off auto-pay and charged late fees, and because I'm concerned about how this may continue to affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account was disputed and kept coming back verified. The account is. Reporting inaccurate information according to the FCRA 15 us 1681 e b all information reporting to someone's credit report must be accurate or shall be removed immediately Account open date different : how can a account with the same account number be open on different dates Date last active has two different dates : how can someone be be last active on 2 different dates

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 2023-04-25
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I had been waiting over a month to get a check from my great aunts estate after she had passed and I finally received the check for {$2000.00} on Monday, XX/XX/XXXX. This check is from XXXX XXXX, where my great aunt had a trust account for her estate. I signed the check and deposited through my Wells Fargo XXXX app and within 30 minutes I had received {$400.00} of the 2000 which I used 100 to pay off my credit card, which is also in Wells Fargo. I woke up today, the morning of Tuesday, XX/XX/XXXX to $ XXXX in my account and a notification that the entire {$2000.00} check is now on hold. 

I now am scrambling to find money to deposit into my debit account to avoid overdraft fees from a credit card payment which I never wouldve made had I known access to my own money would be restricted the following day. It is still Tuesday, XX/XX/XXXX and I just returned home after having a discussion with a banker at my nearest Wells Fargo branch, who while courteous, was still unable to release any of the check, let alone the portion that was released and used yesterday. My brother and grandmother both received checks from the same trust account, signed by the same lawyer, but they deposited in XXXX and have not had any issues in their process, this seems purely a Wells Fargo issue. 

I feel this is an extremely predatory practice, because now not only are they holding onto my money till XX/XX/XXXX for no apparent reason, but they also granted me access, allowing me to spend money just to then take away access and make that money spent be subject to an overdraft fee.

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 2021-07-15
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Onemain Financial is billing me for a XXXX $ loan that I never received, I never received the loan proceeds but they are stating that I still owe the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$830.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX ( Original XXXX : XXXX XXXX XXXX AT XXXX XXXX ) XXXX Balance XXXX {$4900.00} 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 XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-12
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
- Someone appears to have fraudulently applied for and received a Visa credit card in connection with my Fidelity investment account - I discovered this today when I received an account statement in the mail ( physical mail ) addressed to : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX - Note that this is very similar to my address, which is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX- The account number on the fraudulent card is XXXX XXXX XXXX XXXX - I wasn't able to determine exactly when the account was opened, but it was likely in XXXX of XXXX of 2021 - This person appears to have made purchases totaling {$270.00} from XX/XX/2021 and XX/XX/2021 - I have reported this to Fidelity and they are investigating - Fidelity also told me that the email address associated with the fraudulent application is 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 2023-03-15
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 ID THEFT. MY INFORMATION WAS COMPROMISED DUE TO THE XXXX DATA BREACH CAUSED BY XXXX. I HAVE UPLOADED THE REQUIRED DOCUMENTS REQUIRED TO BLOCK THE FRAUDULENT ACCOUNTS FROM BEING REPORTED MY CONSUMER REPORTS.

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 2023-03-15
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: Information belongs to someone else

Complaint:
This is my OTHER 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 items : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. I have copy of my identity theft report. Remove fraudulent account placed by the collection company from all my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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:
Transunion has violated my rights and is also of violation of the FCRA 15 usc 1692 ( a ) They not only have this incorrectly reporting they have not sent verification of such debt that I allegedly owe. Also Section 609 ( a ) ( 1 ) ( A ), says you are required by FEDERAL LAW to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.

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 2020-10-08
Company: Results Unlimited, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Results Unlimited of XXXX  XXXX, VA, Attempted to take EXEMPT funds from my XXXX pension from XXXX. 
Tried to collect wrong amount $ XXXX, and put a lien on my XXXX XXXX account, denying my access to my pension!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: MA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below and update or remove them immediately : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have received an email notification from XXXX to check my credit score because it has decreased. After I logged in to XXXX I have noticed a collection account from unknown company called " L J ROSS ASSOCIATES IN '' and the original creditor is " XXXX XXXX XXXX XXXX XXXX XXXX ''. I have multiple accounts with " XXXX XXXX XXXX XXXX XXXX XXXX '' therefore I called " XXXX XXXX XXXX XXXX XXXX XXXX  '' to find out what this is about and if I owe any money on any of the accounts to which " XXXX XXXX XXXX XXXX XXXX XXXX '' said I do owe money for a property at XXXX XXXX XXXX XXXX, XXXX IL XXXX. I replied to " XXXX XXXX XXXX XXXX XXXX XXXX '' that I never owned this property and I never had any accounts there but I have represented the seller as a licensed real estate broker and sold the property on XX/XX/2020. Which brings me to conclusion ; I would like to report fraud both on " XXXX XXXX XXXX XXXX XXXX XXXX '' and " L J ROSS ASSOCIATES IN '' and request for this collection to be removed from all credit bureaus and proof of to be provided upon doing so.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I have Expressed to XXXX, XXXX, and XXXX ( not yet XXXX, XXXX XXXX, Lexus Nexis ) on several occasions to remove certain addresses on my report but they have not. I was embarrassed to say the reason but, I have a stalker that has caused harm, and sent threats at my current addresses and previous address ( upon the new residents that stay there ). This person has gained access to my information some how and I am asking that you please remove all addresses from my report and replace it with the XXXX XXXX that I put in the following letters. I have labeled the letters for each company and each letter includes personally identifiable information. Please not that by law you may not furnish any information and or adverse information without my handwritten consent. -15 USC1681 ( b ) ( a2 ) -15 USC1681 ( g ) ( a ) ( 1 ) -15 USC1681 ( c ) ( a ) ( 5 ) Please view the letter which is addressed to your company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: MA
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 list of accounts below have violated my federally protected consumers right to privacy and confidentiality u see 15 USC 1681. 

Account name : XXXX : # XXXX, Acount name : XXXX XXXX XXXX  : # XXXX, account name : XXXX : # XXXX, account name : XXXX # XXXX, 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 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if information, other then records of convictions of crimes which antedates the report by more then 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumers reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.

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 2022-01-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is my THIRD DISPUTE LETTER Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2017-10-29
Company: Experian Information Solutions Inc.
State: TN
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:
All 3 of my credit reports have been exposed and breached and the federal and private loan officerso like XXXX XXXX is reporting inaccurate information on my report showing delinquent when I have not graduate from school just yet. This is causing issues for my lively hood.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Take a look at the attached documents ; the personal information you are reporting does not pertain to me.

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 2022-08-26
Company: EQUIFAX, INC.
State: MO
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 have noticed that XXXX XXXX XXXX have placed an inquiry on my EQUIFAX and XXXX credit file dated XX/XX/2020. On multiple occasions I requested XXXX  XXXX XXXX, EQUIFAX and XXXX to verify these inquiries. They have yet to do so.

Company response to consumer: Closed with explanation