BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-03
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX I received an email about my account. XXXX account created but not funded. Please log in to your account to get started saving money with
Barclays market-leading rates. If you have any questions, please call Barclays Customer Care
at XXXX. We 're here to help you, seven days a week from XXXX to XXXX ET. Or, you can always manage your account online at XXXX. So I called and went through all my security questions later received emails that it was a change to all my account details of person information. A lady goes by the name XXXX  gets on the phone calling me a fraud saying that they only do business with financial institutions she stated I 'm not a financial institution I agreed that I 'm a financial institution I have a check book that says so. She stated that I 'm a scam fraudulent hurt my feelings all I wanted was to invest in my son and daughter futures. She hangs up on me I called back she said that she ca n't talk to me. how am I a fraud my account was closed unlawfully because 42U.S.C SECTION 1983 I believe that they are stealing accounts from the minority please help me resolve this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi my name is XXXX XXXX. To whom it may concern I would like this matter to be taken very seriously because they 're are several accounts on my credit that seems to either be an error, wrong, unverified. I am aware of all my rights and there seems to be a very big problem where I feel that several laws in the FCRA we 're broken and I can point them out. 1. The accounts are outdated. 2. No verified signature or paper with a signature. 3. A verbal verification or a phone call ca n't prove it 's a verification between a creditor and the credit bureau. 4. I refuse to get blamed for a fraudulent and I was wrongfully judged and discriminated against by XXXX, Equifax, and XXXX customer service reps were disrespectful, unprofessional and I am filing a lawsuit on behalf of these accounts and they way I was treated. I was treated poorly, unfairly. A. XXXX B. Equifax C. XXXX : 1. XXXX XXXX : fraud 2. XXXX XXXX : fraud 3. XXXX XXXX XXXX : fraud 4. XXXX XXXX XXXX XXXX : fraud, no signature verification, Date opened XX/XX/XXXX past 7 years old account. 5. XXXX XXXX XXXX, fraud, error late account opened in XX/XX/XXXX 6. Comcast, fraud : Learn some manners and respect whomever you  speak to when doing business. Remove all fraud and error accounts listed above. Please remove any accounts associated with the address XXXX XXXX XXXX XXXX FL XXXX. I am not associated with this address and any accounts that are under this address. Remove all addresses immediately please. The only address that should be listed on my accounts is XXXX XXXX XXXX XXXX XXXX FL XXXX, this is the only address associated with me. The only social security associated with me is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Throughout the time frame of XX/XX/XXXX to the present day XX/XX/XXXX, PENN CREDIT CORPORATION has repeatedly FAILED to validate the alleged debt ( s ) of {$600.00} and {$200.00}. Let it be known that I HAVE NEVER RECEIVED ANY SERVICES FROM PENN CREDIT CORPORATION ON ANY DAY AT ANY TIME FOR ANY REASON and I XXXX the living man have disputed the debt ( s ) and allowed PENN CREDIT CORP appropriate time to show evidence of this debt to be valid, but PENN CREDIT CORPORATION has FAILED to provide the requested Competent evidence of debt validation despite my repeated requests. I spatcher ; XXXX sent three ( 3 ) letters requesting validation of the alleged debt to PENN CREDIT CORPORATION evidenced by Certified Mail Numbers XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. My investigation was pursuant to the Generally Accepted Accounting Principles G.A.A.P., International Financial Reporting Standards IFRS, Basel III, the United Nations Commission on International Trade Law U.N.C.I.T.R.A.L. CONVENTION, the Fair Credit Reporting Act " FCRA '' and the Fair Debt Collections Practices Act " FCDPA ''. In my letters requesting competent evidence of debt validation pursuant to the Laws above, I stated " As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does NOT constitute verification ''. Instead of sending the requested evidence, PENN CREDIT CORPORATION sent me a copy of " BILLING STATEMENTS ''. Despite the fact that PENN CREDIT CORPORATION has failed to validate the alleged debt after over 150 days, THEY REFUSE TO REMOVE THEIR TRADELINE FROM MY CREDIT REPORT. PLEASE HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Tiempo Finance Company Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked this company several times to stop calling me at my place of employment. My office manager has explained that we can't have personal calls at work but they still call. Today at XXXX XXXX I told XXXX with XXXX XXXX  once again to stop calling. 

XXXX the manager has threatened to come to my place of employment. This companies collection practices are illegal. They are heartless and cruel. 

Even though I speak to them they still call my references. They are trying to embarrass me during this rough patch in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Convergent Resources, 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:
I called XXXX XXXX to dispute my debt and they informed me my account went delinquent on XX/XX/XXXX but my date opened on account says XX/XX/XXXX, ive informed them to validate the debt but they never changed open date which i felt like was re-aging. I never paid anything towards the bill because I was XXXX so their should have been no reset of time

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 2018-07-10
Company: Experian Information Solutions Inc.
State: DC
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:
This complaint is in reference to the XXXX Account XXXX entry listed on my Experian credit report. I have contacted Experian regarding this entry as well as others requesting viable evidence bearing my signature and how they verified this alleged account without providing the requested proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter form Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and the reportability of the listing. I do not consent to E-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims actions. In the abscence of any such documentation I formally request that this information be immediatedly deleted from my credit 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 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: PA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I took steps to enroll in auto payment at every XXXX to prevent being late. The minimum amount for XX/XX/XXXX was {$110.00}. On the XXXX, my request for partial balance transfer on my Capital One account from my XXXX card in the amount of {$1800.00} was credited to my Capital one account which was more than the minimum amount required. I chatted on line with XXXX an account supervisor on the XXXX and discussed the situation of " Double payment/ Redundant payment. I asked if I could get reimbursed for the minimum payment made on the XXXX. He said 'No '. I asked if that amount can be considerd as XX/XX/XXXX payment. Again, He said 'No '. My contentions are that Being in a Supervisory Position, he could have made a request to the particular department that can take care of my requests. Their IT can in probability take care of this. There was no pause I observed in ready answer for him to ask or consult with any department. They never informed me whatso-ever that, that's their policy, 'NO REFUND/REIMBURSEMENT '' for consumer 's mistakes on payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: American Credit Acceptance, LLC
State: WA
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:
I went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the three credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to XXXX directly and when I did they refused to remove it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have several loans out and I'm starting this week to work with a credit consultant agency but everyday and night I walk out of my house and there is at least and not at the same time a car parked in front of my house and it's the same ones I have photos to prove it they come all hours sometimes as late as XXXX XXXX they are scaring me and making me literally sick it's from checks smart, in XXXX ut and XXXX XXXX in XXXX UT, XXXX XXXX in XXXX UT, XXXX XXXX in XXXX, UT obviously I realize I owe these companies because I'm struggling they call me constantly at least 40 calls a day from XXXX XXXX until XXXX and also at work they threaten me with law suits constantly they try and take money out of my account which I have them all locked out they are very rude to deal with and I feel threatened day and night it's affected my health they all tell my co workers that I need to call them back and they all ask for my works hr department which my co-workers will not give them any information they have made me literally sick to were I have had to miss work cause of my health please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: EQUIFAX, INC.
State: AZ
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:
Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: CORELOGIC INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an account with Credco to pull potential clients credit reports. I have a minimum payment of {$25.00} that I have to make every month in order to maintain this account. 

Credco billing department erroneously has not applied one of my minimum monthly payments, and as a result, it keeps sending me erroneous bills for {$25.00} that I do not owe. I have sent Credco billing department explanation and a copy of my online banking payments, which shows all payments have been paid from XX/XX/XXXX until XX/XX/XXXX. 

However, Credco billing department refuses to admit their billing errors and instead they are forcing me to cancel my account so they can credit me for that erroneous {$25.00} charge, which has already been paid to them. 

I have attached a copy of my online banking transactions, which clearly shows all payments have been paid to Credco. 

In my opinion, Credco is acting in a bad faith by sending me erroneous bill for something that has already been paid to them. They also refuse to correct their error and in the meantime they are threatening my credit rating and my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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 2018-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX has had a bank account with XXXX XXXX  XXXX XXXX since XX/XX/XXXX. The account was set up online and any relevant business information was confirmed with Capital One. To our knowledge, the account was in good standing and we neither received any further communication from Capital One, nor did we have any alerts or holds on the account after originally opening the account We recently received 2 wire transfers into the account totaling $ XXXX, on XX/XX/XXXX and XX/XX/XXXX respectively. There was no issue receiving the funds into the account and we did not receive any communications or notifications from Capital One signaling that there was an issue with the fund transfer or our account standing. 

On XX/XX/XXXX we added a XXXX XXXX XXXX  account in order to initiate a transfer of funds from our Capital One account. The XXXX XXXX XXXX transfer account was verified by XX/XX/XXXX and since then we have been trying to transfer those funds out of the XXXX XXXX XXXX XXXX account. 

Capital One, after having the account open for 6 months, is now telling us that our account is restricted due to insufficient information for address verification. Mind you, this is the first we've ever heard of this, and if the account had been restricted, which is their right, they should have never accepted the funds to begin with. 

We have been on the phone with them for 2 days and they are not letting us touch the funds that are rightfully ours - the funds they should have never accepted in the first place. 

In their terms and condition it clearly states that if an account is not verified properly, funds can neither enter nor leave the account, which means that, by the logic of their terms, since they accepted the funds into the account the account is verified. 

I am confused and have not received an answer from why our account was in good enough standing to accept $ XXXX, but not enough to now use those funds at our discretion. 

We have time sensitive purchases and fund transfers and Capital One is affecting our ability to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXXs failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/2018, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to XXXX for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. XXXX XXXXs failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XX/XX/2018, created Summary judgment, dated XX/XX/2018, and Final judgment, dated XX/XX/2018, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata,  under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or  judgments of any kind in this matter having herein been already decided.

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