BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: BARCLAYS BANK DELAWARE
State: CA
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:
I recently noticed a credit card inquiry for Barclays listed on my credit bureaus reports I contacted Barclays and requested that they remove the credit inquiry because I did not authorize it and it was as a result of fraud Barclays responded in writing on XX/XX/2023 and advised me to call them if the credit inquiry was a result of fraudulent activity. I contacted Barclay on many occasions including today, XX/XX/2023 and I spoke to XXXX in the customer security department who advised that she would not assist me and abruptly disconnected the call while I was requesting her assistance. This company has refused to address my concerns and to remove the credit inquiry from my credit bureau reports and their fraud representatives have refused to process my requests. See attached notice from Barclays :

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 2018-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I submitted a dispute via XXXX to TransUnion. XXXX website stated it was received on XX/XX/2018 and that the investigation should be completed by XX/XX/2018. It is a month after the investigation due date and the website still shows my dispute is under investigation. Id like to have those items removed since TansUnion hasnt completed their investigation.

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 2018-08-26
Company: EQUIFAX, INC.
State: AZ
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:
My XXXX XXXX XXXX credit card is lost/stolen, and has fraudulent transactions on the account # : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: AZ
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 explanation
Consumer complaint received 2018-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX all was ask to remove inquiries. Called multiple times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Received 2 letters from same creditor, stating pay by a certain date, or legal action may occur. I receive ALL of my income from Social Security, and the VA, which is EXEMPT from garnishment, with the exception of federal debts, or child support. This is in regards to credit card debt, and I have been assigned a federal fiduciary, which further protects me from debts. I am in a forbearance agreement with my mortgage company. I am currently battling XXXX XXXX XXXX, to which I prefer recovery, instead of stress, from debt collectors. I also suffered a natural disaster on XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have contacted Navient on many occasions to no help, I have requested a supervisor and have been denied, I have requested proof of my co-signature and still nothing. I have proven to them that their lack of due diligence in the loan origination has lead to years of credit damage and financial damages to me. Still I have nothing, the only request I had of them is to remove me from a loan that they do not have any proof of my signature since I was serving my country in XXXX when this loan was originated, still they refuse to even escalate this, costing me thousands of dollars in higher interest rates due to my lower credit. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: CASHCALL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2018 I took out a {$3100.00} personal loan from Cashcall. The terms were {$340.00} per month for a duration of 47 months.The agreement states that there is no penalty for paying more than the monthly amount. So in XXXX I made the first payment of about {$200.00}. In XXXX I made the required {$340.00} plus an additional {$1500.00} to cut the loan in half and lower my monthly payments. To my surprise CASHCALL CHANGED THE TERMS OF THE LOAN WITHOUT MY CONSENT from 47 months to 7 months and they are refusing to adjust the monthly payment to the lower amount now owed. So I refused to make any payment until my account is corrected or until they abide by the terms of the agreement. I received a letter / email from their legal team asking me to agree to a modification of the original agreement. I declined. Now they are reporting me as delinquent and ruining my credit. These personal loans are insanely expensive due to the high interest rate. But by paying off a big amount and keeping a low payment, the account can be a positive boost on a credit for the remaining time of the loan. So this loan could have been a positive thing for me. Now it's turning into a nightmare and ruining my credit incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Paramount Capital Group, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I, became a XXXX XXXX for XXXX. XXXX. In order to gain employment with XXXX XXXXXXXX, I signed an employment for one year with XXXX XXXXXXXX. The contract stipulates that XXXX. XXXX pay loan to XXXX XXXX for to go to trucking school. On XX/XX/XXXX, I was promoted to XXXX and left to go home to take a break after being on the road for nearly three months. XXXX XXXXXXXX did not allow me to come back to work. Also, XXXX XXXXXXXX stopped paying the loan in XX/XX/XXXX. 
XXXX XXXXXXXX claimed that XXXX quit, even though I wanted to come back to work. My former employer left me with a huge bill to pay with no explanation. I consulted a lawyer, and he told me that XXXX. XXXX breached the contract. I am now left with a nearly {$10000.00} to pay back if justice is not given to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX  XXXX XXXX Open Date XX/XX/2010 Balance : {$7200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I recently learned from my Equifax credit report that all of my former employers have been deleted from my history. 

My first employer from XXXX was XXXX XXXX. 
2nd employer XXXX -XXXX XXXX XXXX. 
3rd employer XXXX XXXX. 
4th employer XXXX XXXX XXXX XXXX XXXX XXXX. 

The Social Security Admistration have my history in their data base and have written a for me to be able to get XXXX. 

I am deprived of health care insurance due to theft of my identity. You recently updated my name to XXXX XXXX XXXX. I 've been told by the FBI to pull my transcripts from IRS showing my wages from my employer. Please advise if you need copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: RIA FINANCIAL
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I requested to have, Continental Exchange Solutions , Inc. XXXX XE USA, exchange USD to JPY, I needed to send my supplier in XXXX XXXX Yen. 
The contract number for this exchange with XE is XXXX, On XX/XX/2033 I innated a wire from my bank XXXX XXXX to XE in the amount of {$37000.00}, on XX/XX/XXXX They confirmed receipt of my funds and on XX/XX/2022 they confirmed to me that the funds were sent to my Supplier in XXXX and the transaction was complete. 
-- I have had a many year relationship with my supplier and they do not worry about funds from our company, but on XX/XX/XXXX they contacted me to ask if I had sent payment, I sent them a copy of my confirmation from XE and they rechecked with their bank, the funds were never received. 
-- On the morning of XX/XX/XXXX I opened a case with XE, they have had my funds for XXXX weeks at this point with no indication to me that there were any issues. Due to the already extensive delay and holding of my funds I expected to have a fast resolution, I still have nothing but sideways talk from XE. The funds were sent to a supplier I have sent to many times in the past, XE has sent funds to the same supplier 7 times in the last year, the suppliers bank information is the same as it was the last 7 times. 
-- My number one priority is to find my funds and get them to my supplier, but inn addition Looking at other reviews on line, it seems that XE has a pattern of doing the same thing to many customers, I feel as thought I should receive interest payments on the money they have been holding

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Jormandy, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had an old loan 8+ years old with XXXX XXXX . The account went to a repossession due. They would call my job, and family members constantly on a daily basis, even though I told them I could not receive calls at work. I also told them that my Family has nothing to do with the debt and to stop calling them. Approximately 1 year ago, I received information in the mail that XXXX was in a class action lawsuit due to violating the FDCPA and FCRA for calling me and thousands of other clients excessively. The were notified by the US District court to cancel all debts for clients included in the class action against them for excessive robo calling. What they decided to do instaed of following the courts ruling was to sell the illegal debt to a collection Attorney by the name of Jormandy at XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX, VA XXXX. Ph # XXXX. I told them the debt was noncollectable due to the courts order, but they ignored me and obtained a garnishment against me anyway. This is 100 % illegal, and I have found out on the internet that XXXX and this company have done this to who knows how many people. They have no legal right selling debts that the curt mandated are noncollectable. I want my money back and this off of my credit asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is 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 reportsno consent is fraud. Please delete the accounts below : XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2017-09-20
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
This is about the third time I have been denied a card ( that according to my credit service should have been approved based on my income/credit ) by American Express the past few years. I usually am given a glib response as the purpose, and have not pursued the matter. However, in my latest denial ( dated XXXX XXXX, XXXX ), the true reason came out. The reason stated is that " ... we can not approve your application at this time because American Express cancelled your previous account ( s ) ''. 

American Express cancelled my cards in XXXX or XXXX after I filed Chapter XXXX bankruptcy. That was 19 years ago. They are using the fact that I exercised my right to file bankruptcy. I would understand the decision if I had only filed recently, but this is ridiculous and is a tactic being used to punish me for exercising a right I have under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
Three yers ago I used my citi credit card to buy XXXX XXXX XXXX for about {$40.00}. Year later ( XX/XX/XXXX ) I found unauthorised charged from them for {$100.00} and got my money back at that time. Because XXXX is acting like fraud company I switched to XXXX and XX/XX/XXXX bought the same soft ware for the same market prise about $ XXXX.But XX/XX/XXXX,  surprise, most impudent company never sleep, again unauthorised charged from XXXX  {$100.00}. I got conditional credit from citi, but recently recieved letter dated XX/XX/XXXX from citi card company : " Marchant has provided the additional information. ... Since there is no detailed description of merchandise, we are unable to assist you ... Investigation is complete. We rebilled charge along with any related fees and interest charges. '' Is this just absurd or something worse?

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 2023-02-16
Company: EQUIFAX, INC.
State: LA
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
American Express states that I opted in to a Pay Over Time feature on our AMEX in XX/XX/XXXX. I do not recall ever having the process explained or opting into the service. This " Service ''  automatically routed charges of more than {$100.00} to a separate hidden account that does not show up on the Statement or Payment tabs. AMEX then charged us {$1000.00} in fees on the Pay Over Time account between XX/XX/XXXX and today. They continued to route purchases over {$100.00} to this account so we were always paying little bits of the charges and thinking we were paying the whole balance. When I paid the statement balance I assumed that meant I was paying everything we owed to Amex but it didn't include the Pay Over Time balance. They hide all mention of Pay Over Time on their website so if you aren't watching closely you never notice the interest charges. I complained to the company but they said there was nothing they could do. I cancelled Pay Over Time and immediately there are little ads for it all over the account page when I log into americanexpress.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018 I placed an international wire with my bank XXXX in the amount of XXXX with JP Morgan Chase being the middle man with XXXX XXXX In the XXXX to receive for one of there customers the money was never received to the customer and XXXX has sent 3 requests asking for the money to be return or an answer from XXXX to provide us answer where the money has gone and still NO responds from them .. I have called JP Morgan Chase for Answer No once can provide me any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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'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 non-monetary relief
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 carefully viewed my credit report thoroughly and asked the credit bureaus for a thorough investigation to make sure everything on it was complete and 100 % accurate according to 15 USC 1681i ( 5 ) I have waited 30 days + and received my investigation and notice everything was still the same. The consumer reporting agency which is Transunion did not modify or removed anything from my credit report. 

The dates open are not correct, dates last active are also incorrect, and dates of last payments are also incorrect. All in all, the information is inaccurate. 

Which is a violation. This is impacting me from moving forward in my life to buying a home for my family and providing them a great lifestyle I never had. 

I have attached some previous reports to show how Transunion has violated my rights.

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 2023-03-08
Company: Self Financial Inc.
State: NJ
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 the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

15 USC 1681I ( B ) I AM REQUESTING THE DESCRIPTION OF PROCEDURE OF THE REINVESTIGATION. USED TO DETERMINED THE ACCURACY & COMPLETENESS OF INFORMATION. 
WHAT STEP BY STEP ACTIONS HAVE YOU TAKEN? 
Who did you call? 
What exactly did they say? 
Neighbor visits? 
Interviewed? 
SBNASELFLNDR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
these are not my account and inquiries, i have never apply for these. 
i don't have any contracts with these companies, no documents with my signature.

Company response to consumer: Closed with explanation