BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-28
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Attention Mr XXXX XXXX : Today I called into Barclays XXXX customer service and inquired as to having a hold released from a payment that was made 2 days prior. I needed to have funds made available immediately as I had automatic bill payments coming to this account that wont be paid. The payment was for {$5100.00}. Ive had this account open for a year and they still continue to inconvenience me by holding my ELECTRONIC payments. Ive paid over {$15000.00} to this account this month. Ive never had a late or returned payment. This is unacceptable how Im being treated! This has happened several times before and they would usually call over to my bank XXXX XXXX, verify payment posted with them and immediately make funds available. Today, I spoke to a condescending representative named XXXX who refused to resolve problem in any way. I was denied to speak with their credit department. After repeatedly asking to be transferred to someone else, I was transferred to a manager Mrs XXXX  who when asked, didnt know who the president of this bank was. This is hilarious! A manager who doesnt know the President of the company that she works for. Ive attached a screenshot showing payment already posted to XXXX XXXX  account.

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 2018-05-18
Company: Systematic National Collection, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Debt collector ( XXXX XXXX ) first contacted me about a debt that he said I owed, I told him that I don't owe that debt I paid the person ..He basically dismissed me and said how do want to pay ..i said don't contact me anymore since you aren't willing to prove the debt. He has contacted me, my jobs HR dept, my supervisor has stated that it has become a interruption of work. Communication has made to stop all forms of contact but he continues to contact with mail, phone and employer contact. Once he even stated that he could use me if I didn't pay. Has been verbally aggressive on the phone at one point yelling out " HOW ARE YOU GON NA PAY CREDIT OR CASH, CREDIT OR CASH, CREDIT OR CASH ... .THATS ALL I WANT TO HEAR. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX do not owe this company any money. I understand this company is a debt buyer. But I request this company to ceast and desist and I want this company to delete this account off my credit report. I want this delete ASAP

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 2023-06-26
Company: Upgrade, Inc.
State: LA
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:
on XX/XX/2023 I phoned credit bureau to clarify an issue in my credit report first representative hung up on me right away representative # 2 insisted I just needed to just explain the adverse information was for one item not many and politely hung up credit bureau very unprofessional my creditor needs an accurate report from the credit bureau me informing the creditor is insufficient but at the same time why is my creditor giving me decreased credit limit and higher APR when the XXXX information was there when it approved me for the credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, 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:
This is XXXX XXXX and I am submitting this CFPB complaint to request the immediate removal of the fraudulent accounts and information you report on my XXXX XXXX. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and XXXX. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items : 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. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. If you believe that the disputed items belong to me, please send me copies of proof of ownership and proof of verification from your investigation. If you can not provide me these documents, please remove the disputed items off my XXXX XXXX at the earliest possible time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX : Account number # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has 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 explanation
Consumer complaint received 2022-09-15
Company: NAVY FEDERAL CREDIT UNION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ive tried a number of times to get my account unlocked and they keep messing me up and telling me stupid stuff. Which is Navy Federal Credit union in XXXX. They have stolen over a XXXX dollars from me and I think they are laundering money through my account some how. I have filed a complaint against them before and still nothing...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Charges I did not authorize for {$250.00} on XX/XX/20 and another one for {$250.00} on XX/XX/20. The company XXXX charged my account for more than they were supposed to per our contract agreement. They took it upon themselves to charge my account {$250.00} on two occasions as stated when they should have been only taking payments of {$44.00}. 

I disputed these charges with my bank ; Bank of America and they did nothing to help me. They reversed the charges and made my bank account go overdrawn for starters, and asked me for some documentation showing my credit card and the information from XXXX. No document exists as I bought this through a third party that just entered my card information was stored for recurring payments. 

I call over 5 times and they were more worried about the company than me telling them they overcharged.

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 2023-10-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXX-Date of XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Google Compare Credit Cards Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Google pay closed my account. I have a balance in my account of XXXX dollars. I was told on XX/XX/XXXX the money was being transferred to my ban account. For some reason it never was. And it is back in my Google pay balance. Now they are telling me that it can't be sent to me and will be turned over to the authorities. But will not tell me what authorities.

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 2020-12-05
Company: DISCOVER BANK
State: IL
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 was set to travel with XXXX XXXX XXXX in late XXXX of this year. It was business class seats for two for XXXX dollars each. The first time in my life that I bought business class seats. My flight was canceled by COVID protocols. I understand these are not normal times but I do wish my tickets refunded as the flight was canceled nearly 6 months ago. 
I asked via XXXX website back on XX/XX/XXXX about the transaction but the automatic response did not help at all and I was forced to call. I was told I would get a refund shortly. Months passed and I used Discover  's dispute option as I did not fly with XXXX XXXX, get my money back, or even received a credit. 
The first dispute went in favor of XXXX XXXX and I called Discover back to escalate the situation in XXXX. The representative said they should escalate it because I did not get the goods or services I purchased. 
By XXXX I was told that they had still sided with XXXX XXXX because XXXX XXXX claimed it was XXXX 's fault and they need to issue the refund. 
I called XXXX back after the ruling and said they would look into it and I should get a refund by 8 weeks. 
I then called again on XX/XX/XXXX and they now state that they did not follow up on the issue after the first call for a chargeback in XXXX. 
However, they state it is XXXX XXXX who is supposed to pay. I once again tried to discuss this with Discover and they still ruled in favor of XXXX XXXX. 
I am running out of legal recourse other than calling a lawyer at this point. I have three companies fighting and no one who is not helping the consumer. I have tried to contact XXXX XXXX but the process will take 21 days to get to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 did not authorize anyone employed by XXXX XXXX  OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.

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 2021-02-16
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've Sent 2 609 Letters To XXXX Disputing Collection Accounts With XXXX XXXX XXXX. I Don't Know Who These Companies Are And I've Never Done Business With Them Or Signed Into Any Agreement With Them. I Advised Equifax That According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify. I've Demanded To See Verifiable Proof Back And Still Have Not Seen Any Or Gotten Any In The Mail. I Spoke With XXXX With Equifax Who Was Rude And Not Very Helpful. XXXX Also Put A Block On My File So When I Call In I Can not Get Assistance, Forcing Me To Only Deal With Equifax By Mail. XXXX From Equifax Who Was Clearly From A Foreign Country Out Of The US Had Me On Hold For Almost 2 Hours And Then Disconnected The Call When I Asked To Speak To A Supervisor. I Would Like These Collections Accounts To Be Deleted Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: NY
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 have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-07-22
Company: EQUIFAX, INC.
State: NY
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 have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX I started refinance process with Caliber Home Loans. They quoted 30-45 day time frame from start to close. Today is day XXXX. They have strung me along requesting more and more documents that could have been asked for from the beginning. I have promptly provided documentation each time. At this point I am curious if I have any legal leverage against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Evening ; I just finally got off the phone with representative XXXX XXXX at First Financial Resources Inc in regards to a recent entry on my credit report account # XXXX on a debt that i don't owe to them. After 10-15 conversations with XXXX, she mentioned that the social security numbers on file are completely wrong and she said that she will escalate this issue to her supervisor. The only reason I found out about this issue is because i recently went to finance a newer vehicle and the finance manager told me that I have a {$9600.00} medical collection on my file and I became perplexed and stressed for the last couple of weeks.

I'm not 100 % sure, but this is a total violations of both state and federals laws especially under the provisions of FCRA and FDCPA. Because of this is the only negative item on my credit report, it dropped my credit score way below the mark and caused my recent finance interest rate to sky rock.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been approved for Georgia HAF program and they sent the ACH payment to my mortgage company, US Bank on XX/XX/23. US Bank received all the funds on XXXX to reinstate my mortgage ( {$11000.00} ) plus 3 months of future mortgage payments ( {$4500.00} ) for a total payment of ( {$16000.00} ). They still have NOT applied the funds to my mortgage account to reinstate it. There is a foreclosure sale date of XX/XX/23 and I still have no concrete answer from US Bank on when they're going to post the funds to my mortgage account so the sale date can be canceled. They have not even sent me a letter in the mail with info on the status of the foreclosure since they have the money. No one is giving me concrete firm dates on when I can expect the funds from the HAF program to be posted.

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 2023-03-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I dispute the debt claimed by Chase Auto Finance and have requested validation of the debt. Despite my requests, Chase Auto Finance has failed to provide the necessary validation, which is a violation of the TILA and FDCPA. In order to resolve this matter, I am requesting that Chase Auto Finance provide me with the following documentation : a signed invoice and a copy of the contract signed by both parties, binding both parties, as well as verification of the debt from their actual accounting. 
Additionally, I reserve all of my lawful rights without prejudice and do not accept any contract unless it meets the four essential conditions for a legally binding contract, which are full disclosure, equal consideration, lawful terms and conditions, and the wet ink signatures of both parties. 
I am willing to pay any alleged financial obligations that I may lawfully owe, but only if Chase Auto Finance provides the required documentation and meets the essential conditions for a lawful contract in compliance with all applicable laws and regulations.

Company response to consumer: Closed with explanation