BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-08
Company: BARCLAYS BANK DELAWARE
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX I began disputing charges using Barclays Arrival mobile application as I was unable to reach a company representative by phone and put a HOLD on the card. 

XX/XX/XXXX contacted Barclays using their secure message system, disputing new charges from XXXX XXXX XXXX. Received a reply at XXXX ( attached ) requesting that I call them and that they had placed a " hold '' on the account until they hear from me. 

XX/XX/XXXX mailed a letter to Barclaycard Arrival XXXX XXXX XXXX XXXX DE XXXX disputing all charges from XXXX XXXX XXXX  and requesting the account closed. 

I was able to talk to a representative after receiving the XXXX statement which included charges from XXXX XXXX XXXX  posted to the account after it had been placed on hold. The representative did close the account as I requested but failed to follow up on the fraudulent transactions posted on XX/XX/XXXX, XXXX, XXXX and XX/XX/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 monetary relief
Consumer complaint received 2021-07-02
Company: Experian Information Solutions Inc.
State: AK
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 received an email from Experian saying I was a match for one credit card, 98 % match for another card, and 85 % match for another card. Had I not received baiting emails I would not have applied. I was declined for both, resulting in two inquiries that reduced my almost XXXX score ( XXXX according to Experian. I would like Experian to contact both companies and have the inquiries removed and remove me from there email list. I spoke with a Will at Experian who doesn't know who the CEO is and does not believe I would not have applied without being enticed by their bogus emails. the CEO is XXXX XXXX i am a reasonably intelligent individual. I am well aware that you " do not grant or deny credit. '' What you and Will fail to hear and or understand is your email ENTICE, TEMPT, LURE, INVITE, XXXX, AND COAX people who are have a great ordinary day before receiving your email that they somehow qualify for something that before your email they had no plans to apply.

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 2019-10-30
Company: BARCLAYS BANK DELAWARE
State: NC
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:
XXXX closed a MasterCard earlier this year because of a missed payment. The account is in my name but was being paid monthly by my ex-wife. I have since taking over the account and have been paying it down. However because the interest rate is so high, it is making it difficult for me to pay it off and creating a financial strain on 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 explanation
Consumer complaint received 2021-03-26
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:
To who this may concern, I am a victim of Identity theft. There were fraudulent accounts opened up in my name that I request be removed from my report. I can't move on with my life. My wife and kids are dependent on me and I need you to help me. I have filed a report with the FTC that is attached with my ID and a notarized letter stating the accounts that are fraudulent on my credit report to prove my Identity that it is me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My identity was used for a bankruptcy filing, the bankruptcy is reporting on XXXX, Equifax and XXXX as a public record. The bankruptcy filing is fraudulent. I have disputed the information several times, and the agencies say they verify this information from XXXX. XXXX uses a third-party to verify the public record which is not legal because it can't be verified through the courts, directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV
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:
Over the years Carrington mortgage would remove and then replace back on my credit file. This causes my fico score to go down. I am never given my fico points back. They also dont show correct balance. I always dispute with XXXX  and company but they just shift the blame leaving me to suffer the damage of a bad credit score. It has happened again today XX/XX/2020. I put another dispute in today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went into a Bank of America Financial Center located at XXXX XXXX XXXX XXXX, XXXX, MN XXXX, I saw and spoke with XXXX XXXX, Relationship XXXX  at the branch office. Mr. XXXX informed me he couldnt open up a Bank of America checking account for me because it was coming up in the database system as decline. I showed the letter XXXX XXXX XXXX sent to me stating adverse reporting was removed on previous accounts ending in XXXX and XXXX was removed and he is now able to open new accounts at Bank of America if he chooses to do so, and he informed me he would call and speak with XXXX XXXX, Resolution Specialist Regulatory Complaints in regards to the previous letter Mrs. XXXX sent to me stating I can now open a Bank of America Checking Account after filing for Chapter XXXX Bankruptcy on XX/XX/XXXX, XXXX Review Bank of America letter and Case Number : XXXX dated XX/XX/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 2020-07-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been paying my mortgage for 10 years. Bayview loan serving acquired my mortgage years ago after the bank, XXXX XXXX went out of business. Last year I had XXXX XXXX  and became no more than 2 months behind on my payments before then I never missed a payment. I began the Bayview process of modification after finding out I would not be returning to work and had to rely on Social Security XXXX XXXX. 
The woman assigned to me, XXXX I believe said if I provided her with bank statements, proof of SS and expense statement that I would pay a lower amount, {$620.00} or so for 3 months on the XXXX of XXXX through XXXX my loan would be modified and the would have to sign the paperwork. My original payment prior was I believe {$840.00} or so. I paid the {$620.00} for 3 months. I was sent a XXXX  the last week of XXXX to modify my loan to the modification and the amount was {$780.00} a {$34.00} difference from my original mortgage payment Bayview wanted starting in XXXX. I told XXXX XXXX that was not the agreement and was not given enough time to go to the bank for witnesses and a notoriety and I couldn't afford the payment. I did pay XXXX for the lower amount. I was sent another XXXX the last week of XXXX saying sign and pay the modification for XX/XX/2020 by the XXXX for the {$780.00}. I called on XX/XX/XXXX but was continuously hung up on by the phone system. Unable to pay online or by phone by Bayview I am now filing a complaint. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: PNC Bank N.A.
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: Information belongs to someone else

Complaint:
Im a victim of identity theft and have had a fraudulent personal loan, and credit card that has been opened in my name with your company Pnc Bank. I didnt consent, authorize, apply, nor request for this fraudulent credit card/personal loan to be opened in my name. The address, phone number, and to these accounts on file does not belong to me, and non of the information regarding these accounts where verified that they belong to me. Per the Fair Credit Reporting Act ( FCRA SECTION 603 ) if an account is reporting inaccurately or if a consumer is a victim of identity theft the account in question is to be removed/deleted off of a consumers credit file. I have sent you a Debt Validation Letter, ftc identity theft report, and police report showing that these accounts are deemed as fraud. In spite of that Pnc Bank has failed to provide me with a proper validation of the debt. You have been notified that your actions are detrimental to me and that your company has violated ( including but not limited to ) the Consumer Credit Protection Act,  the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your bank knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Pnc Bank for intentional infliction of emotional distress and at the other diminishes of the quality of my life. These 2 fraudulent accounts need to be removed out of my name, and off of my credit files immediately! Please take in consideration my concerns regarding this matter and I hope to hear from you in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was shocked when I seen my credit report and seen late payment for the three months listed below ... 

XX/XX/2017 XX/XX/2017 XX/XX/2017 I recall making payments to CITI Bank, but not 30 days late. I have asked the credit bureaus to review this information to make sure it is right. I recently pulled my credit report again and the late payments are still showing on my credit report. No one had showed me that I was indeed 30 days late. I feel that my request has gone unheard.

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 2019-02-19
Company: Experian Information Solutions Inc.
State: MS
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:
Ive disputed unauthorized accounts with Experian on several occasions. I have been submitting disputes asking for validation since XX/XX/XXXX. I started my most recents dispute this year. I submitted a dispute on XX/XX/XXXX regarding my accounts and I received the dispute update the next day saying most of the accounts have been verified. I received the final results on XX/XX/XXXX. I resubmitted another dispute involving the same accounts on XX/XX/XXXX and I receive the results back XX/XX/XXXX saying the accounts had been verified. I resubmitted the disputes on XX/XX/XXXX and received the verified results on XX/XX/XXXX. I submitted my last dispute attempt on XX/XX/XXXX at approximately XXXX XXXX and I received my results at approximately XXXX XXXX. They are not completing the investigation throughly within that timeframe. At the point, I contacted Experian and asked whats being used to verify these accounts and the rep hung up in my face. These accounts have been removed from my other credit reports so I need to know why Experian is constantly reporting these accounts as accurate. According to the FCRA rules, 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be INVESTIGATED and if you do not investigate and respond the CRA must delete the disputed information from its files. That fact that Ive been receiving my results back under 24 hours, one can assume that their was no investigation in that matter. I am submitting his complaint due to the lack investigation into my original dispute with Experian. I did not authorize those accounts. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2021-07-02
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: Account information incorrect

Complaint:
My credit score dropped 80 points for no reason. When I try to find out why, XXXX tells me I need to answer security questions from 9 years ago. I don't remember them from that far back. They keep trying to tell me they can't help me without them and offer me no way to reset them? I have no delinquencies on my report and owe very little on one credit card. There is no way my score should have dropped by that much. If anything with 2 inquiries that came off today XX/XX/2021, it should have gone up! I want my 80 points back!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/2020 It says I have no credit but I think my identity has been stolen as I've been receiving many scam calls and emails asking for my information and I clicked one of the emails by accident and feel my information is being used to take out student loans and or credit cards

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 2023-06-14
Company: EQUIFAX, INC.
State: TX
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21
Company: FORD MOTOR CREDIT CO.
State: NJ
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've been making payments to my account since the opening of my loan in XX/XX/2018. My payments are due the XXXX of each month for {$920.00}. I noticed that the month of XXXX on my credit report that it shows I am 30 days late. I am not currently 30 days late and on my report it states my status was updated on XX/XX/2018 but my payment is due XX/XX/2018. I contacted Ford Motor Credit ( FMC ) via the phone to speak with someone but the Manager was extremely rude to me. The Manager even told me if I can not afford the car then return it. I then wrote a 'Good Will '' letter explaining my situation. I explained that I recently went through a divorce and I've been having competing personal priorities. But I have been making my payments within the 30-day time frame. I knew that I was not 30 days late and I was even having problem with their phone system when making my payment. I spoke with another representative and was advised to use the online site to make another payment. I was assured my account was in good standing. After getting the alert I missed a payment with FMC I immediately reached out to dispute this claim. This 30 day late payment is gravely affecting my credit and even through my divorce I've worked hard to maintain my credit status. As a consumer I want to make sure I can trust my lender to practice fair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Applied Data Finance, LLC
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: Information belongs to someone else

Complaint:
These accounts have been transferred or sold. According to my research, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Experian Information Solutions Inc.
State: AR
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 feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge i do not recall any of these accounts i need this problem fixed as soon as possible. i mailed out a letter regarding these accounts on XXXX to this day over 60 days later I have no received a response I am becoming impatient within the lack of response and delays these accounts need to be removed from my profile 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 2022-10-04
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX, I received, in the mail, a paper account statement from TD Bank for an " TD Beyond Checking '' account. 
I did not open this account. I have never done any business with TD Bank. 
The account statement date range was : XX/XX/2022 to XX/XX/2022. 
The account beginning balance was {$0.00}, and ending balance was {$0.00}. 
On XXXX at XXXX, I called the TD Bank Fraud number ( XXXX ), and was told they would investigate and close the account. 
I haven't received any other correspondence from TD Bank about the account or welcoming me to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
if the completeness or accuracy of any item or information contained in a consumer 's fie at a consumer reporting agency is disputed by me the consumer and i continue to notify all three reporting agencies since XX/XX/2023. 
XXXX. XXXX, experian .ive disputed all of the addresses which are wrong also reasonable reinvestigation are coming back lies and violations because no real party is corresponding their oscar system artifical intellegance isnt removing the violations section 611 ( a ) ( 1 ) the addresses and bankrupcy also all collections in accordance to paragraph ( 5 ). " Treatment of inaccurate & unverifiable information the courts letter ive uploaded previously proves my violations against me are 128 days pass remedies

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