BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-02
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-11-02
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: FHA mortgage
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FREEDOM MORTGAGE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2018-04-12
Company: Experian Information Solutions 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 seem to keep having a problem with XXXX  with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf.

1. XXXX XXXX ( XX/XX/XXXX ) Not Mine 2. XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) These are not mine

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 2019-08-20
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with accounts listed under United Revenue Corp. I requested a validation on XX/XX/2019 as there were multiple accounts listed that I did not recognize as I have always had insurance/Medicaid that fully covers my medical and the accounts are not under my complete legal name. On XX/XX/2019 I reviewed my credit profile again as United Revenue Corp had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2019. Credit report was reviewed again on XX/XX/2019 and the accounts are still reflecting on my report and I do not believe the accounts belong to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on these accounts and these accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that these account belong to me and that all information including my legal name are correct.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2019-04-18
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My question is ; after paying on an auto loan for two and a half years, why is my loan payoff more than the original loan? When I asked XXXX XXXX that question they treated me like I was stupid and said something about the interest compounding daily, I do not understand, but something is definitely wrong when you pay a car payment for two pulse yeas and you owe more on the payoff than the original loan. Please explain! 
As of today, XX/XX/XXXX, the payoff on my car is {$23000.00} Original loan, XX/XX/XXXX was {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Unauthorized savings accounts were opened in my XXXX olds name through Wells Fargo.

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 2019-04-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XX/XX/XXXX I paid my delinquent account off with XXXX XXXX Card Services. XX/XX/XXXX theyve reported again and this time it says Charged Off with a 0 balance. Ive called both Experian and XXXX XXXX services and no one seems to be able to help. Ive tried to dispute the account and it says I cant dispute it due to it already been resolved through a dispute in XX/XX/XXXX. Ive been paying all my debt and cleaning up my reports and this is a huge thorn in the side.

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 2019-11-02
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2019-11-02
Company: EQUIFAX, INC.
State: GA
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 started a dispute on Equifax 's website on XX/XX/2019 for inquiries I did not authorize on my credit report. I was told that you couldn't do it online with them but when I got on their website to see my inquiries, they had a dispute section for inquiries. So I filed the dispute and listed the inquiries I did not recognize and they said it could take up to 30 days. 4 days later I got the results of the investigation only to find out they did not look into the inquiries, they just gave me a way to look into them. So I called and asked if they weren't going to actually look into the inquiries what's the purpose of having that option on their website? Their response was that they're sorry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX I called to cancel my XXXX home delivery. Since that date, I have called 10 times in an attempt to bring closure to this nightmare. I was told on 3 different dates to put my 4 bottles of water out for pick up.  I was told XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. Even the supervisor I spoke with XXXX XXXX XXXX on XXXX/XXXX/XXXX told me the bottles would be picked up. Today XXXX/XXXX/XXXX I was told by XXXX at Collection Bureau of America that no one picks up the bottles. You, the customer, have to drop them off. After being told by 4 different people on 4 different dates that the water would be picked up. 

On XXXX/XXXX/XXXX I spoke with a supervisor named XXXX. Per XXXX, I had a final bill balance of XXXX ( {$.00} ). He said he would email me on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX with the date the water bottles would be picked. I never heard from him. 

So, here we are 7 months later & my account has gone to a Collection Agency. Why? What are these charges for? I paid my final bill of {$29.00} On XXXX/XXXX/XXXX for delivery on XXXX/XXXX/XXXX of 3 - 3 gallons of water.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear CFPB, I am complaining about JP Morgan Chase Bank N.A., their Law Firm XXXX, XXXX XXXX, and XXXX County, Illinois Public Officials stealing my home and personal property at XXXX XXXX XXXX, XXXX, Illinois XXXX Case number is XXXX XXXX XXXX, Illinois. I am the Son ( XXXX XXXX ) and was the lifelong tenant in possession of the property, The loan was paid off after my father died, ( XXXX a XXXX Veteran ) in XXXX and then after my mother died ( XXXX XXXX XXXX ) a Spouse of a Veteran in XXXX they sued her for a loan that was paid off the Court Lacked Jurisdiction you can not sue dead people, JP Morgan Chase Bank and their Attorneys XXXX and XXXX XXXX, have engaged in a pattern and practice of paying illegal kickbacks ( Bribes ) to public Officials to steal people 's homes, inheritance, and personal property, the Sheriff of XXXX County and the XXXX Illinois Police department evicted me ( theft ) without a eviction order signed by the land owners my parents XXXX and XXXX XXXX. All parties have engaged in fraud and felonies to steal my home and inheritance and personal property. 
It is Civil rights Violations to evict a family member of a servicemember, the home was paid. 

My contact information since I am homeless is. 

XXXX XXXX Son of XXXX XXXX and XXXX XXXX Deceased XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Phone XXXX Email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have had a Capitol One BUYPOWER business card for over 20 years. It has accumulated {$190.00} in rewards earningsover the years. The only way you can redeem this reward money is to buy a new XXXX Vehicle. On XX/XX/19 I purchased a new XXXX XXXX XXXX from XXXX XXXX   XXXX in XXXX, GA. They tried to access my rewards from the card for over an hour. They even called and stayed on hold forever and couldn't get anyone at Capitol One. I called Capital One the next morning around XXXX and after waiting quite some time, talked with XXXX. I explained the problem to her and she said the were very busy at the time the dealership was trying to complete my transaction. She also told me that there was no way to get my {$190.00} in rewards unless I get the dealer to redo all the paperwork and start over with the deal!!! I explained to her that the deal was done and the financing was in place and that the dealer wasn't going to cancel the deal and redo the paperwork for less than 200 bucks. She said that's the only way I can get my rewards money. This is wrong! I shouldn't be penalized because they were busy! It took years to build up that reward money and they want to make it so hard to get that you will just give up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: FL
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2019-04-18
Company: Tribal Lending Enterprise, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
They charge more than Colorado allowed fees.

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 2018-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX, I was engaged in a legal battle and alerted my creditors of my situation. I had credit protection services on several of these accounts however, once I notified the company of my status they charged off the accounts. In summer of XXXX I offered to pay the charge offs in full for exchange to have the reporting changed and the accounts were dated and listed as new debts which reinjured my credit score. Both original creditors and debt collection companies refused any negotiations to remedy the issue and have sent me updated delinquency policies that I was not made aware of these changes. How can I fix an issue these creditors do not want to work with the consumer to fix? 

" We are required to delete our credit reporting trade line 7 years after the original delinquency date regardless of the paid status ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: IN
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2021-11-05
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC has placed a collection account on my consumer credit report. I do not know who this company is. I have Never done business with this company. I have NEVER signed a contract with this company for anything. I have NEVER given permission to anyone verbally or in writing to pass my information to this 3rd party company that I habe no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: CITIBANK, N.A.
State: MD
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2019, we had Sear Air Duct Cleaning clean the air ducts in our home and arranged for a uv light system to be installed to help prevent mold in the system. The bill was for {$3000.00} plus {$840.00} for the uv light system. We were charged for {$3800.00} but the uv light system was not installed and because they repeatedly made appointments but did not install the system, I called and canceled the uv lights but they remain on the bill to this day. 

The first scheduled appointment they canceled because they told me they did not have the lights in stock. The second one they did not have a technician. The third time, they said it was supposed to be heavy rain and they would come in the afternoon but they did not and we waited around for them all day. I tried to call them on the phone several times and could not reach them so i left a message to cancel the uv lights. They never returned my calls. The credit card people, Shop Your Way have been telling me they are looking into the dispute but I first filed it in XXXX and it is still on the bill as of XX/XX/2019. 
On XX/XX/XXXX I tried to reach the supervisor at Sears 5 times and he never returned my calls. I e.mailed Sears at XXXX and never got a reply. 

Because the lights were canceled and never installed, I do not intend to pay that amount of the bill but I do not want my credit standing to be at risk and would like to get this matter settled in an equitable manner.

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 2022-11-22
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: Investigation took more than 30 days

Complaint:
FOR THE PAST FEW MONTHS I HAVE BEEN TRYING TO GET AHOLD OF XXXX XXXX BUT I HAVE NOT HAD ANY RESPONSES. I SENT MULITPLE DISPUTES AND GOODWILL REQUEST BUT HAVE HEARD FROM NO ONE. 

I REGULARLY MAIL MY PAYMENTS TO XXXX XXXX. ON A XXXX OFF SITUATION, MY CHECK WAS STOLEN AT THE POST OFFICE THEREFORE CAUSING MY ACCOUNT WITH XXXX TO BE LATE. AS SOON AS I FOUND OUT, I SATISFIED MY OBLIGATION. AS YOU CAN SEE, THIS IS COMPLETELY OUT OF MY CONTROL AND I AM ASKING WITH HUMILITY THAT MY LATE PAYMENT WITH XXXX BE RECALLED AS A RESULT OF FRAUD/THEFT. 

I HAVE ATTACHED MY LETTER I SENT TO XXXX BEFORE AND ALSO INCLUDING A POLICE REPORT I FILED ABOUT THE CHECK THEFT. PLEASE HELP WITH INVESITGATING THIS ISSUE AND RECALLING THE LATE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2019 amount owed is {$700.00}. I have filed a identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I settled a debt with XXXX XXXX in XX/XX/XXXX with the original debtor being XXXX XXXXXXXX XXXX. XXXX XXXX agreed after the settlement to remove their trade line, which they did. XXXX XXXX XXXX is still reporting the account late, but closed. I shows closed and charged off in XX/XX/XXXX, however, it is reporting late on my credit bureaus reports.

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 2019-11-02
Company: AMERICAN EXPRESS COMPANY
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:
American Express is not solving a billing dispute where merchant stating FREE CANCELLATION is charging {$600.00} CANCELLATION PENALTY after cancellation. The purchase was made from XXXX and the {$600.00} has been disputed several times, but Amex has failed to provide adequate resolution each time. Latest attempt is under reference XXXX. 

Reason for the dispute is as below : Merchant is selling travel packages on website XXXX. Most packages, including what I bought, state FREE CANCELLATION. This is the only piece of information they provide regarding cancellation BEFORE making the purchase. I successfully cancelled with the merchant and they are still holding {$600.00} as a cancellation penalty as per dispute resolution under XXXX. FREE CANCELLATION was major reason why I bought from their website. It is my understanding that if the cancellation is supposedly free, there should not be {$600.00} cancellation penalty. Thus, I am still expecting a credit of {$600.00} to be issued on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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.

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