BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-17
Company: BARCLAYS BANK DELAWARE
State: TN
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX RE : Collection Account Account Number : Unknown- Barclays Bank Delawa ( opened on XX/XX/XXXX ) Dear Sir or Madam : I have recently obtained a copy of my credit report, and it shows that you have reported Barclay Card as " placed for collection ''. I have NEVER had an account with Barclay but I do believe my Ex-boyfriend XXXX XXXX used my information and opened a XXXX account for his childs mother and him committing fraud. Barclay told me because payments were made to the accounts I was liable for it, but there was no recognition from Barclay how it was approved, who signed for it, where payments were made, etc. I sent in paperwork several times to Barclay card showing them the police report. I have called time and time again trying to find a resolution but I never get responses from Barclay and they are always very rude to me saying they have recorded conversations where I said I wanted to pay only because I was scared about them ruining my credit score when I found it on my credit report. I was very young and scared and their tactics werent nice at all. This reporting placed by you is very disturbing and it is doing serious damage to my credit rating. For the past two years, I have been working diligently at improving my credit so that I can buy a house for my family and this keeps showing up and holding me back. As you know, you are required by law to make sure that bills are accurate and sent to the correct address. I have never received any bills or I would have contacted you immediately to notify you that I do not have an account with XXXX nor have I ever until now. 

I hereby request that you take the following steps to remedy this situation : - Send me a notarized statement attesting to your compliance with all provisions of the Fair Credit Billing Act with respect to this account. 
- Provide any and all documentary evidence of my indebtedness for all charges you claim including billing statements to me. 

Please attend to my requests promptly as time is of the essence. 

If I do not receive the above requests within the period prescribed by law, I will expect to receive written notification that you have, in fact, made the required deletions from your reports and that you have removed from my file any reference to the disputed account. If you can not provide the statements and documentary evidence required, then I insist you delete all negative references from your reports to XXXX, XXXX, and XXXX. I also require that you communicate with me only in writing. Please do not contact me by phone at any time for any reason. 

**To verify my ID and my address, I am enclosing copies of my ID as well. 

Sincerely, 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 2018-01-17
Company: DISCOVER BANK
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX Student loans sold many of my private loans to Discover. While looking at my credit report I see several " payments '' made to Discover that I never made, therein extending the reporting period on my credit report. These payments appear to be a direct result of the transfer between XXXX to Discover and therefore should not be represented on my credit report. 

I have NEVER made a payment to Discover, so I tried contacting the company through XX/XX/XXXX and have made several complaints with the Better Business Bureau. To date Discover has not given me any information on the alleged " payment '' that were made by me through XX/XX/XXXX besides some graphs that could 've been made in XXXX XXXX. None of the items furnished even have an account number so it is impossible to link them to my account. I argued that if these payments were made Discover should be able to furnish proof of these payments via EFT confirmations, voided checks, etc however they refuse to give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Was informed account closed due to returned payments. I did not do this. I do not recognize payment accounts added. The payment that was returned says this XX/XX/2021 - {$280.00} RETURNED E-PAYMENT posted XX/XX/2021 {$280.00} One-time Posted I want account reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
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:
Problem with Equifax report MY ACCOUNT WITH EQUIFAX IS IMPACTED. I AM REQUESTING UNDER THE UNDER THE FCRA ACT TO PLEASE IMMDIATELY REMOVED THESE ITEMS There are UNAUTHORIZED and REDUNDANT inquires in my credit report, impacting my credit negatively. 
I have not authorized these inquires and they must be immediately removed from my account. 

I am also attaching the pdf version for ease : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Nelnet, Inc.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My total loan is for {$360000.00} with the company XXXX, Nelnet. The loan is from when I attended XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX, however I did not see that listed as an option. The lowest payment they gave us through IBR and extended payment is {$2300.00}. We can not afford this monthly payment. Consolidating the loans would still be about XXXX and would hurt my credit as we are trying to move. They go off my gross salary and do not take into account our bills or my other student loans, or taxes. They refused to see my salary after taxes and after our bills. They refused to help us with a payment lower than XXXX. The most we can afford is $ XXXX. They kept trying to get us to do foreberance which does not help the situation. I have a contract job and my salary will not increase, ever. The loan will also collect more interest with foreberance. They refuse to help us and now the loan will go into default due to not being able to make the payments. I dont think they should force people into foreberance where the company will make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Been replying to these companies for quite some time. I 've sent in my credit report have n't receive anything or heard from them. They are still on my XXXX credit report. No i did not apply for car ( i do not own any drivers license ) nor did i co sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
derogatory credit and collections that were not mine were left on my credit report for more than 7 years. All these items happened after, in 2010, I had lost and reported the loss of my identification and social security card to the XXXX Precinct in XXXX, New York. There are credit cards, loans and multiple education department federal loan requests for the same loan. The loan has not been properly deferred or taken off. There are several collections ( 3 ) for debt i do not owe and never made a contract for credit with those places. Please review and remove these items off each report ( XXXX, XXXX and XXXX.Please remove in accordance with the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: INTERCONTINENTAL CAPITAL GROUP
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was pre approved for a VA mortgage loan through Intercontinental XXXX XXXX. I started the process submitting all of my documents and aroundXX/XX/XXXX they told me that I did not qualify. On the XXXX I reached out to the group through phone call, email and text they have not responded. Before I made the request they suggested my wife try an FHA loan in her name. She reached out to them today about the FHA loan and they quickly responded stating they would call her at XXXX to discuss next steps. She then emailed them requesting a denial letter for me and they have not responded to her request either and is still awaiting their call. It is now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XX/XX/2019 XXXX and Transunion dropped my credit score by 44 points when I am consistently paying my debt down. I dont feel they have a right to do that because thats destroying me. XXXX to XXXX thats not right!!!! Restore my credit score to what it is or higher. I paid {$1800.00} dollars in the last 30 days to reduce my overall amount of used credit. This is not fair, stop destroying my credit. My mortgage company changed from XXXX to XXXX and is reporting my loan as a new modification, this is incorrect.

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 2017-11-29
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: Information belongs to someone else

Complaint:
cra violation inaccurate information or id theft victim i sent them

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 2018-01-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX I had filed a report in XXXX XXXX, NY for the theft of my car. 

In XX/XX/XXXX I visited the police station to find out about the situation since I had not heard anything about the car. I was told it was found a week later from the initial date in XXXX, CT where I paid the {$1700.00} storage fee. The car was in the same condition minus a broken radio screen That same day I called TD Bank to inquire about surrendering the car due to having moved closer to the city and no longer relied on a vehicle. 

I explained my situation and was given this number. XXXX XXXX XXXX I 've had other representatives leave emails, I personally left dozens of voicemails with my contact info. I 've called from XX/XX/XXXX to XX/XX/XXXX numerous times throughout the week at different hours to no prevail. Not ONCE has anyone ever picked up the line! 

If i call and talk to a representative, they end up forwarding me to a different department that ends up going to voicemail. 

I cant continue playing in this run around!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In early XX/XX/2019, I received 3 letters from Chase bank. Each letter informed me that a credit card account had been closed down. I had 3 total credit cards with Chase, so that meant all my cards were closed. 
I called Chase the same day I received the letters. I explained what happened to the CSR. A payment I had made did not go through because I had mis-typed my bank account info the setting up payment options. It was off by 1 digit. I had called and corrected this with a different Chase CSR as soon as I noticed the problem in late XXXX. I did to miss any payments and all accounts were paid in full at the time I received the first letters. 

The CSR told me that she would send my info to another department for review. 2 weeks later, I received 3 more letters, all dated XX/XX/2019. All letters said the same thing : Chase would not re-open my accounts. Again, all cards were fully paid and 2 of them even had small negative balances due to bonuses earned that were paid after the cards were shut down. 

My total credit limit across all cards was less than {$15000.00} and I never came close to that much spending in any billing cycle. I never missed a single payment over the life of the credit cards. Chase made a rash and ridiculous decision to close all accounts over a typo that I corrected as soon as I learned about it. The higher balances over the holidays was due to some gift cards that I purchased for friends/family. Again, none of this violated the terms and conditions I agreed to when I signed up for the cards. 
I would like all 3 credit cards re-opened. I am not interested in applying for them all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Recovery Management Solutions LLC
State: AL
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:
Recovery Management Solutions has been told on multiple occasions by family members who they have contacted about a debt they claim I owe to stop calling. They will not stop. They have been informed that their calls are considered harassment and have continued to call back. 

I personally have requested that all communication be made by mail and the calls have continued. I have never received a bill or any other written communication from this company. I have never been informed to whom a debt is owed or an amount. I absolutely will not entertain debt collection activity without an opportunity to validate the debt. This is not an agreement to pay or an acknowledgment that any amount is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: TOWNE MORTGAGE COMPANY
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Approximately on or about XX/XX/2018, I called my mortgage company and explained that I would be out of work for a few months and requested to be set up on their financial hardship plan. They offered me the " Forbearance Plan '' option which would consist of No late fees or penalties, no negative effect on credit or reporting to bureaus, and in I would be able to " skip '' my XXXX mortgage payment of {$800.00} and instead make three payments of {$1000.00} in XXXX, XXXX and XXXX. I agreed to these terms, and upheld my end, but I was not only charged tons of fees, I was threatened with foreclosure, reported to all credit bureaus, called at all hours of the day. I explained to them that had I known that this " help '' they offer was really going to hurt more both financially and mentally, I would have never agreed. Then to add insult to injury, after finally getting tired of losing time at work trying to straighten this all out, I just coughed up all the money for fees and I get a call saying that my mortgage company is charging me for mortgage insurance ( at an outrageous rate ) ( stating I dont have it ) that I have continuously carried since day one without fail. Upon further investigation, I have found that My home was double insured ( I carrying my own, and them sneaking one in ) since spring 2018. When I brought that to their attention, they said they would look into it and remedy, and after a couple weeks, I called back, and they claim to know nothing about it. Rough calculating, I have been charged over {$3000.00} in forced insurance, late fees, and interest at minimum.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 continues to report inaccurate information on my account -items have been disputed, however, they continue to report and are causing me problems

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 2021-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
I am reporting an incident where my bank declined my fraud case and refused to refund me back the {$850.00} that was stolen from me. It started by my wife finding a Boston terrier pup on XXXX. We just put down our Boston terrier and my wife wanted to get a Boston terrier puppy for our kids to grow.up with. After talking to them on the phone. She picked out a.puppy, signed an agreement, .and paid {$850.00} through XXXX . Emails enclosed. Afterward they had a currier contact is to deliver the puppy. Then they asked for additional {$950.00} in money orders for a special delivery crate. We instantly suspected fraud and asked for our money back. They kept giving us bs response, stopped answering their phone and eventually it was disconnected. We then filed a police report with the XXXX police department ( XXXX ). Then reported the transaction as fraud with our bank Bank of America. I never received a confirmation and could not find it online. So, I called them back, and they transferred me to the XXXX department who advised the case is still pending. They never requested to provide any documentation. After several follow ups. After 6 weeks we received a denial letter that explained the funds could not be retrieved. I called back and was told several times they could not approve my case.

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 2017-11-29
Company: EQUIFAX, INC.
State: NJ
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 continues to report inaccurate information on my account -items have been disputed, however, they continue to report and are causing me problems

Company response to consumer: Closed with explanation