BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-20
Company: BARCLAYS BANK DELAWARE
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I received a personal Loan offer from Barclays, a credit card company. The letter stated that the loans were being offered@ 4.99 %, but to accept the offer, I needed to connect to the website, online. No customer service telephone number was provided in the letter. At the website, the lowest interest rate available was 5.7 %, and up, ( based on your credit-worthiness ). 
This is just plain False Advertising. 
I tried a few of their links, and some offered loans - less than 35 % interest, but I didn't see anything@ 4.99 % or less. I would like to know, where are these loans are hiding? Since their offer is deceiving, I will look from any local bank, where this does not happen, and I can speak to a real person. 

XXXX is an Invitation number, not a loan. I have their Credit card, but did not originate any loan from them per this generous offer.

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 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft.

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 2018-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX To whom it may concern, I want to file a complaint against, PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Acct # XXXX {$3700.00} ( being sued for ) Superior Court XXXX, CA Case number XXXX Acct # XXXX {$470.00} Acct # XXXX {$930.00} Acct # XXXX {$680.00} PORTFOLIO RECOV ASSOC not only claims I owe {$3700.00} but have also filed a lawsuit against me which I had no knowledge of, they have a default judgement against me saying I owe {$3700.00} ( being sued for ) Superior Court XXXX, CA Case number XXXX ) plus attorney fees and which is now about {$3900.00}. My wages are being garnished, they have taken over {$800.00} in garnishments for an account I was sued for without being served with any paperwork. I dont have any money to cover my rent. I have XXXX kids ages XXXX, XXXX, XXXX and my fianc who not only live with me but also depend on me for support. I am the only one that works and provides. Im asking for help or assistance with these accounts. I work for a school district and only work 10 months, my last day of regular work was XX/XX/XXXX. I found out about these accounts on my credit through, credit karma. I initial disputed them on XX/XX/XXXX, and XX/XX/XXXX. Following my debt validation letters, I receive legal paperwork. Not once have they notified me of being sued or that there has been an order against me. 
On XX/XX/XXXX and XX/XX/XXXX I wrote and sent certified letters to PORTFOLIO RECOV ASSOC regarding Acct # XXXX. ( See Attached letters ). There are also 3 other accounts I sent letters so that PORTFOLIO RECOV ASSOC could validate the debt they claim I owe. All letters were sent certified on the same days, which wereXX/XX/XXXX and XX/XX/XXXX. I am sending a copy of those letters. The debt hasnt been validated. 
Acct # XXXX {$3700.00} ( being sued for ) ( being sued for ) Superior Court XXXX, CA Case number XXXX Acct # XXXX {$470.00} Acct # XXXX {$930.00} Acct # XXXX {$680.00} They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my family ; my home and credit and I need help taking care of these matters. 
Thank you in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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 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

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 2018-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check into my checking account at my bank 's ( Bank of America ) ATM on XX/XX/XXXX. The bank put a hold on the check. They would not release ANY of the funds to me. I checked with the issuing bank for the deposited check and they deducted the funds from his bank on XX/XX/XXXX. I went into the branch where I deposited the funds and they said I have to call customer service, they have nothing to do with the ATM. It is BOA and they have nothing to do with the ATM at their branch! I have been calling the customer service number at BOA every day to ask them to release the funds and they keep giving me the run around that they have to verify the check, they don't have the funds from the issuing bank, the issuing bank has not informed them that the funds are available, the funds have to go through the Federal Reserve before it gets to them, they need to validate the funds from the paying bank, the check is still being verified, the funds have to be validated, etc. etc. etc. I have even spoken with several supervisors and they tell me the same thing. 

This is not the first time they have done this to me. I deposited a check from my mother to my account at a BOA ATM on or about XX/XX/XXXX ( I can get you exact dates if you need them ) and they deducted the funds from her account the next business day and they still did not release the funds to me until 10 days later.

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 2020-08-14
Company: EQUIFAX, INC.
State: MN
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: Other problem getting your report or credit score

Complaint:
I submitted a dispute with Equifax that was resolved on XX/XX/20. Since then I have requested a copy of the report on 5 occasions. They say it takes 7-10 business days to receive the report. It has been over 2 months and I have not received the letter. I have also tried to view the information online and I keep receiving an error message. They say they there shouldnt be a reason why I cant get into my account and that they will escalate the issue. To which I also have not received any communication on. My mortgage company needs the letter to reissue a check that was written to a XXXX XXXX loan that does not exist as EQUIFAX made an error with my credit reporting. I need a copy of the results in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: Conn's, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conn 's calls my husband 's work ( XXXX ) and personal phone ( XXXX ) several times a day - sometimes up to 10 times per day. We have asked them to stop calling his work number, as well as his personal phone, but they do not stop. We have noticed that when my husband travels and/or gets calls from different states for his work, that they will call using a phone number from that state. For instance, he received a work call on his work phone from Arkansas, and not 30 min later Conn 's called using a number from Arkansas. We have been in Florida for travel, and the Conn 's calls we get are from Florida. Every time he gets a work call, Conn 's calls his work number with an number from that same area/state. I do not know how they get this information or why they will not stop calling, but it is harassment. My husband 's work is fed up with the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 credit monitoring with XXXX XXXX XXXX and XXXX XXXX and was made aware of application and account with XXXX XXXX on my Transunion credit report. I have filed a Police report indicating account is fraud and sent necessary information to XXXX XXXX fraud Dept. We have called XXXX XXXX to verify they have received all documents needed and closed account as fraud. I have never been associated with XXXX XXXX and want this erroneous information removed from my file.

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 2019-09-11
Company: Butte County Credit Bureau
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Was informed of a judgement on my credit report for a debt that was return of on a car which was found defective within 3 weeks of purchase from a auto dealer named XXXX XXXX -the engine froze on a XXXX XXXX XXXX in XXXX. In XXXX on XX/XX/XXXX Butte County Collections Bureau a collections agency bought the paper from XXXX XXXX which went out of business. They have never contacted me, XX/XX/XXXX I was informed by FINRA -Financial Industry Regulatory Authority , that they have continued to file judgments against me in XXXX and XXXX without notice or contact about court dates. I have spoken to them only to receive documentation of the judgement. This communication took place on XX/XX/XXXX. When I inquired in to the statutes of limitations in the State of California I was informed that it is 4 years. The case number is # XXXX XXXX filed in Butte County Superior Courthouse. This collection company continues to file every 10 years, and never contacts or informs you of the court dates to dispute the judgement. 
You may contact me on my cell # XXXX XXXX, or work number XXXX XXXX and/or email of XXXX or XXXX Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
There are some medical debts that are listed on my credit reports that are not mine. I have provided my personal information to show that I am a real person, and that I am not a credit repair or mortgage company. Please remove these debts that are not mine. Thank 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 2020-06-29
Company: Crown Mortgage Co.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to get a forbearance loan from my finance company Crown mortgage they keeps giving me the runaround saying I have to give them proof on why I am having financial problems doing this corona varies according to the cares act I am entitled to get a for Barents long for at least six months they refuse to give me a loan without showing my taxes my bank statements and all of that according to the cares act I do not have to show them any proof of why am having financial problems at this point of the coronavirus thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX  XXXX XXXX  XXXX XXXX  ( CLOSED ) XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX SHOWS 30 PAST DUE. 
XX/XX/XXXX PLEASE REMOVE THIS ERROR XXXX XXXX XXXX XXXX DOB XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In spring XX/XX/XXXX I took a conventional 30 year mortgage with Bank of America NA. At that time I attempted but was unable to set up online access via the internet in order to make my monthly payments. 

In XX/XX/XXXX I recontacted BofA and again attempted to set up online access to the mortgage to make my monthly payments. Numerous phone calls to BofA locations in XXXX, NY, XXXX, TX, XXXX, NC, Montana, XXXX, AZ in XX/XX/XXXX through XX/XX/XXXX and most recently XX/XX/XXXX with customer service ( in XXXX ) I am advised that their Technical Team ( XXXX XXXX ) is still unable to make this happen. Their case number for my request is XXXX. 

I continue to make my monthly payments via US Mail but would prefer to use my BofA online account for ACH/electronic payment. Thank 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 non-monetary relief
Consumer complaint received 2018-12-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for a personal loan with One Main Financial in mid XX/XX/2018. Was told I was approved pending income verification. I submitted my pay stub and they are telling me they could not verify it and red flagged it as fraudulent which is completely wrong. They also said they could not verify the company I work when I work for a large Healthcare System. This is wrong. My income and employment were provided and they have denied me under false pretenses putting a hard inquiry on my credit under deceipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
On XX/XX/2018 I called OneMain Financial to learn about the types of loans they offered and I asked about their rates. After talking to the lady on the phone, I told her not to run my credit because I needed more time to think about it and because I didn't want an unnecessary hard inquiry on my credit if I didn't really need the loan. I told her not to run my credit and she did it anyways without my consent. She was trying to attach the loan to my vehicle and I told her I did not want to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX   XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: Experian Information Solutions Inc.
State: NE
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 sent Experian a letter stating to review my credit report because there is incorrect information on my credit report and due to the incorrect I would like the account removed they responded saying that they will not investigate and that I would have to go to the original creditor myself even though the law states that they have to investigate the accounts the account are This Account needs to be removed Immediately Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Student Loans Balance : {$0.00} Past Due : {$0.00} Date Opened XX/XX/XXXX Account Status : Account transferred to another office High Balance {$0.00} Limit {$0.00} Terms 120 Months Comments : Reason : plz send me proof of that this account was open on XX/XX/XXXX if you can't send me proof Delete immediately. 

This Account Needs to be Removed immediately Account Name : XXXX XXXX XXXX XXXX/XXXX/XXXX Account # : XXXX Account Type : Federal Government Balance : {$0.00} Past Due : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed Mo. Payment {$0.00} Payment Status : Legally Paid in full For less than the full balance High Balance : {$0.00} Limit : {$0.00} Term : 36 Months Comments : Reason : plz send me proof of that this account was open on XX/XX/XXXX if you can't send me proof Delete immediately. 

This Account Needs to be Removed immediately Account Name : XXXX XXXX XXXX XXXX/XXXX/XXXX Account # : XXXX Account Type : Federal Government Balance : {$0.00} Past Due : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed Mo. Payment {$0.00} Payment Status : Legally Paid in full For less than the full balance High Balance : {$0.00} Limit : {$0.00} Term : 36 Months Comments : Reason : plz send me proof of that this account was open on XX/XX/XXXX if you can't send me proof Delete immediately. 

I have proof that this is incorrect and I will want this all these account deleted I will attach the date the account was opened and when money was disbursed

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 2020-02-01
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: Account status incorrect

Complaint:
My student loans are reported as delinquent in XXXX and XX/XX/2017 and they were not. I received a deferment of payment for a year due to a medical emergency and it doesn't show and has been reported incorrectly. I want it removed and my XXXX score returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sent XXXX in XXXX  ( XXXX BTC ) to my Cashapp wallet ( $ XXXX / XXXX ) and the transaction was above XXXX by the time it got to my cashapp due to XXXX  fluctuation of price and cashapp limits XXXX  transactions at XXXX so it said deposit over limit and to reverse my deposit. Its been way longer than a XXXX transaction takes and I still havent received any word back from cashapp and am missing XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Rozlin Financial Group, Inc.
State: SC
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:
On XX/XX/2021 Rozlin Financial added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am not responsible for this account.Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send me a bill and say its mine. According to FCRA, Rozlin Financial has violated my rights as a consumer and Im requesting legal action to from this account from all credit agencies immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
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: Their investigation did not fix an error on your report

Complaint:
I sent the bureaus a letter on XX/XX/2021 ( more than 30days ago ) stating that the account listed on my report was inaccurate. I sent a letter confirming that as well from the creditor. 

1. The following account is not mine XXXX XXXX XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with explanation