BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a accordance with the fair credit reporting act XXXX  accounts listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 Department of education 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 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
remove the fair debt violatIons ATTACH ARE FTC VIOLATIONS UNFAIR LENDING PRACTICES VIOLATIONS

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 2020-06-26
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My contract was up with XXXX. A deposit was paid at the beginning of the contract. Once my contract was up I called customer service and arranged to end contract. I was instructed to send in both phones and if there was any balance left over my deposit would cover it. Phones were returned so I waited 2 weeks and called back to customer service to confirm they received our phones. To my knowledge everything was fine. Later to see this on my credit report. I called back and XXXX customer service told me they are not in the same building the phone was return to so they don't know if they received the phones are not. Nothing they could do about it. This is inaccurate and fraudulent reportings.

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 2022-08-05
Company: BARCLAYS BANK DELAWARE
State: SC
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:
I ordered a XXXX XXXX 's heated vest in XX/XX/2022. I received the vest early XXXX and it did not fit and did not heat. There was only a small card in the package that said " Contact Us '' with an email address " For all questions concerns or warranty exchanges ''. I contacted them on two separate occasions for instructions on how to get a refund and instructions on return of the vest. Received no response. I then left 3 messages on the phone number listed on their website. After filing a claim with Barclays bank, they gave me a refund while they disputed the claim. I then heard back from Barclays that they contacted the vendor and charged my account back for {$80.00} as I did not return the vest and " Chargeback Reason is Not as Described or Defective Merchandise/Services. Merchandise or Service matched what was described. ". I then wrote to Barclays after speaking with a Rep on the phone and they told me to document the claim and fax it to XXXX. I did that and never heard back from them either. They still have not refunded my money. I have documentation of the emails and letters. I should not be responsible for defective merchandise. They indicated that it was not defective, but if they don't have the merchandise how can they make that claim?

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 2020-11-06
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Name XXXX XXXX. My Credit Card Wayfaire Store Changed Bank For Comenity Without My knowledge. Payment Auto From My Bank usually on Due date come no problem. But recevied Statments from New Comenity Credit Card XXXX $ Late Fee, and i think any Froud account and call Service Representative for Explanations XX/XX/2020. 
She Not explain about Name Card Change and of course im close card like not Recognized. 
Im Calling 2 Days Later and gentlemen Nicely explain about Card Name Changes, And about My 6 hour late payment. and promised to reverse XXXX $ fee, but unfortanatly account closed with Dont Care Previosly Service Representative. Of course after 1 Month XXXX $ Become to XXXX . And menager from Card, Not agree with my 3 reasons to waived Fee. 1/ Card Change name and Confuse Client 2/ One Representative # 1 Not Work Friendly and Professional ( Mention about 1 time waived late fee alredy 13 month Ago with Old Name Card ) But # 2 Another One Try to Help, but Credit Card Closed Already with Bed Represantative # 1 3/Menager XX/XX/2020 also my aprouch with this situation no accept and compromise to reopen card and keep relationship Ignore

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
I am attaching a letter that I sent to the credit bureaus back in XXXX. I had asked them to investigate and correct errors that appeared on my credit report. They have not responded yet. I've also sent follow-up letters that have also been ignored. They were supposed to respond in 30 days, and its been nearly 4 months now.

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 2020-03-26
Company: Experian Information Solutions Inc.
State: AL
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:
EXPERIAN AND XXXX  IS REPORTING A MEDICAL COLLECTION DEBT THAT IS NOT MINE, AND IT VIOLATES THE HIPAA LAWS

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 2020-11-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wrote a check out of my business account on XX/XX/XXXX for the amount of {$6400.00} dls to the United States Treasury, check # XXXX. This check was mailed as a prepayment for my taxes. I always check my statements, and I did see the check number and the amount being deducted from my account a few days later. 

In XX/XX/XXXX as I was preparing to do my XXXX taxes my CPA asked me for a copy of the check I sent as payment. At that point I went onlint to download the image of the check and realized the Payee had been altered and the check had been cashed by XXXX named " XXXX XX/XX/XXXXXXXX '' or something like that, is not very legible. 

I immediately reported the event to the bank, it was clear both the payee and even my signature had been altered. They opened a complain, I wrote an affidavit with the personal banker, gave copies of the check and I left. I get a letter dated XX/XX/XXXX saying my case was closed because of lack of affidavit, so I called on the bank on XX/XX/XXXX and they tell me they have in fact received the information and they are looking into it. 

Finally, after not hearing anything from the bank for almost a month since my original claim I go to the bank on XX/XX/XXXX and the personal banker calls the claim department just to let me know that my claim was denied because it had passed 35 days since the check and I should've check my statement. I made it clear I DID check my statment I just didn't see a copy of the image of the check and they proceeded to just deny my claim and walk away with this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: First Colony Mortgage Corp.
State: UT
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:
On XX/XX/2021 I received an alert through XXXX that a hard copy Mortgage inquiry from First Colony Mortgage. I first called XXXX XXXX that confirmed the inquires, they said it was showing on all 3 of my Credit Reports. I then called First Colony Mortgage ( XXXX ) and was told they didn't show any inquiry pulled. I tried unsuccessfully to put a freeze on my XXXX & XXXX accounts. I called The Consumer Financial Protection Bureau & they told me to contact you to place a complaint against First Colony Mortgage to get this hard inquiry that I didn't initiate removed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Ive asked speedy cash loans multiple times to work with me and also stop reporting negative information to XXXX. Also Ive asked the US department of education to help me with their account and stop reporting information that is an account older than 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: ENCORE CAPITAL GROUP INC.
State: AR
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:
MIDLAND FUNDING GOT AN ILLEGAL JUDGEMENT ON XX/XX/2008 CASE NO.XXXX XXXX, ARIZONA. THIS WAS RE-INSERTED BACK INTO MY CREDIT FILES RECENTLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
At the beginning of the COVID-19 Pandemic I spoke to a representative on XXXX XXXX XXXX about my employment status being changed due to the government shut down. The associate ensured me that I would not be charged any late fee nor would my credit reporting be changed due to the pandemic. I have continued to pay every dime I have to them to make sure my car payment stays current and to my surprise when I checked my credit I was reported late for the month of XXXX for failure to pay late fees. I understand that and normal circumstances this would be an accurate reporting but due to the fact that I was specifically told my an associate of that company that I would not be charge late fees and the late fees ( accumulating around {$230.00} for multiple months ) is what reported to my credit report. I am asking that XXXX XXXX XXXX be true to their world in helping their customers out during the tough time and reverse any late fees i have been charged and most importantly fixing the reporting on my credit profile immediatley.

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 2020-06-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
At the beginning of the COVID-19 Pandemic I spoke to a representative on XXXX XXXX XXXX about my employment status being changed due to the government shut down. The associate ensured me that I would not be charged any late fee nor would my credit reporting be changed due to the pandemic. I have continued to pay every dime I have to them to make sure my car payment stays current and to my surprise when I checked my credit I was reported late for the month of XXXX for failure to pay late fees. I understand that and normal circumstances this would be an accurate reporting but due to the fact that I was specifically told my an associate of that company that I would not be charge late fees and the late fees ( accumulating around {$230.00} for multiple months ) is what reported to my credit report. I am asking that XXXX XXXX XXXX be true to their world in helping their customers out during the tough time and reverse any late fees i have been charged and most importantly fixing the reporting on my credit profile immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I co-signed a student loan for my son-through the college, to be a XXXX XXXX. My son defaulted ( he had quit school to help his very sick father in law to be with the family business -- he now is divorced and can't make his loan payments- ) and i have taken over the payments to not allow my credit to be damaged. though it was too late at that time -- I was unable to get a car, when my car died, to get back and forth to work. -- I had to get a co-signer because my credit was ruined.-by navient student loan services. 
to make a long story short, my son never graduated and had defaulted on his loan. I guess we have a private loan, which i was not aware of and my interest rate ( which I found out is a variable rate ) keeps climbing. now its 11.25 % -- this is a rip off. I am paying {$210.00} in interest each month and there is no way to add additional payments to the principal either, to cut down on the interest. 
I have paid all back payments and interest.- now current. 
I don't know what to do ... this loan will never be paid off by the time of my death. 
I am XXXX yrs old and a single mom of XXXX -- trying to make right by my sons loan that I co-signed. I am struggling, don't know how long I can keep up these payments. 
I need to know if there is away to refinance this loan? need a fixed rate and not a private loan.-where they can keep raising my rates. 
I see student loans for 2-6 % ... why am I paying 11.25 %? 
HELP PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened HSBC advance checking account to receive a {$400.00} bonus. I have asked HSBC three times, via my online account webpage messaging center, when the {$400.00} will be credited. I am getting answers such as, " 90 days after depositing funds '', " six to eight weeks after completing all requirements '', and " approximately eight weeks after completing all qualifying activities, which would be by XX/XX/XXXX. '' My understanding on opening the account is that I should receive it by XX/XX/XXXX, per the first answer " 90 days after depositing ''. Now it appears that it would be " approximately '' two months later. 

Please confirm when the {$400.00} bonus will be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I spoke with XXXX from Allied Collection Services , Inc. twice on the phone after receiving an email for a debt originating from XXXX. I am not convinced that I owe this, which I told XXXX. I was also concerned that I had not received a hard copy of the account by Allied Collection Services , Inc . I told XXXX that if Im responsible for the debt I will gladly pay it but I did not think it was appropriate that I was not mailed a statement. I confirmed my address with XXXX to find that it was incorrect. My apartment number was wrong. When we realized this, I thought that they would send a statement right away. He still refused, stating that they had already mailed one on XX/XX/XXXX, even though he had just identified an incorrect mailing address. This reluctance on their part has caused me to feel suspicious about the legitimacy of the dollar amount in question. I am ready to resolve this quickly, Im not sure why XXXX and Allied Collection Services would choose to operate this way.

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 2022-01-07
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: Was not notified of investigation status or results

Complaint:
Hi, i'm writing today to seek assistance in getting a response from the bureaus about a few accounts im not familiar with and have sent multiple letters to get complete documentation on where they are coming from I sent letters on XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 accounts im concerned about XXXX XXXX XXXX  XXXX, global lending Please if someone can assist me with this i've been trying for months with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: EQUIFAX, INC.
State: DC
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 have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts and inquiries that are on my credit that are not mine. I do not recognize these accounts and inquiries, and have never incurred debt with these creditors. I do not know where they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS XXXX numbers are Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : 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**** If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Checking for errors on my credit report I found an account and a few inquries I didn't authorize via Transunion, XXXX, and XXXX. 
Transunion included inquiries I didn't recognize such as : Screening Reports XXXX XXXX XXXX XXXX XXXX on XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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