BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently opened a XXXX XXXX XXXX through Barclays. I set it up for automatic payments. I then received a notice that my bill was past due. I called. Representative cancelled my past due charge and I authorized payment of the amount due which was about {$160.00}. He then set up payment for my next bill and said after that it would be automatic. On XXXX XXXX my account showed a payment of approximately {$3500.00}. Today my account shows a second payment of {$3500.00}. When I called Barclays to ask that they reverse the second payment they said my card shows a credit of {$3500.00} but they can not return it to my bank without an investigation which will take 7-10 business days. This is unethical at best. I want my money returned immediately. When the account was paid in full it should have shown a XXXX balance for the automatic payment on the XXXX. Clearly their system is flawed in many ways and should be investigated. I hope for a rapid fix to this situation.

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 2017-10-03
Company: Sterling Infosystems Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
around XX/XX/XXXX i contacted sterling talent solutions about being denied employment with XXXX. they didnt help me with anything and didnt offer to investigate the issue. i wanted them to point me in the right direction of what needed to be done but i was rushed off the phone. they didnt care at all about me being so upset about the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: NAVY FEDERAL CREDIT UNION
State: WA
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:
A collision has occurred ( see attached ) and the vehicle owner also as the cardholder called XXXX to tow the vehicle. XXXX dispatch called XXXX confirming XXXX of their partners responded to the scene and is only XXXX blocks away. For some reason, XXXX XXXX show up, purportedly claiming as the XXXX partner, but dropped off my vehicle into their tow yard instead of the place I wanted. XXXX dispatch called back at XXXX AM claiming they can not find me or my vehicle, then I realized XXXX XXXX had unauthorizedly towed my car without my consent, they demanded payment before they can release my vehicle, I provided them the card to charge, but wrote : " refused to sign ''. Once I have retrieved my car, XXXX local dispatch was contacted at XXXX AM ( see attached ), and XXXX finally towed my car to the right place because XXXX XXXX does not even have my consent to tow my car in the first place. Now when I dispute the charge, the card issuer required me to get a credit receipt, how could I get a credit receipt, if the receipt has been signed as " refused to sign ''?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Pennymac mortagage is my current loan company for mortgage. They ran escrow analysis and as if XX/XX/2019 they are charging me for double insurance and there are 2200 in payments they are not including in my escrow account causing my mortgage payment to sky rocket from 1600 to 2200. I called several times and they told me a refund was pending, however, I called in XX/XX/2019 and no body helped including supervisors throwing me as responsible for payments that I made for insurance but that they are not putting into escrow. I'm being over charged and this is abusive collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, INC.
State: WA
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 currently have a dozen ( 12 ) collection reporting only to Equifax with no creditor data attached to them. I believe these may have been old medical bills which have long since been paid and should never have been reported as collections. Since I have no creditor information for any of these accounts I am unable to verify anything about these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Experian has illegally re-aged a debt XXXX XXXX.. LAST DATE OF DELINQUENCY XX/XX/XXXX, XXXX.. Closed XX/XX/2016 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 2021-06-11
Company: EQUIFAX, INC.
State: MD
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:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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:
Back in XXXX I noticed All XXXX Credit Bureaus that Ive been a victim of identity theft. A fraud alert was requested at that time. As of now it seems as nothing was done. Its still multiple fraudulent accounts, address & inquiries on my files. 

The Following Address need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX. XXXX XXXX XXXX Ct 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 The Following inquiries 1.XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/XXXX 6 XXXX XXXX XX/XX/XXXX The following accounts are fraudulent, per FCRA XXXX. But for some reason they keep saying its been verified. How was is verified. Because Ive never done business with these companies, or entered into a written contract. So please tell me how are you verifying this. Ive sent multiple FTC reports. Per the Federal government thats what I was told to do. No one can over ride federal law. Please Block these fraudulent accounts from my credit file 1 XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX Acct # XXXX 5. XXXX XXXX Acct # XXXX 6XXXX acct # XXXX 7. XXXX Acct # XXXX 8. XXXX XXXX Acct # XXXX 9. XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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/2022, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 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 signature does not validate the debt, and anybody can send a bill and sdsay it's mine. According to the FCRA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2022-04-06
Company: EQUIFAX, INC.
State: MI
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:
This company is reporting on my credit report and send me harassing mailers for 2 months now. I have checked with my current and initial services on many occasions and they have advised that they did not sell my loan. Meanwhile this company continues to try to collect. I make my payments to XXXX. I feel there is some kind of fraud at play. This company and XXXX are reporting the same loan on my credit report and this company balance is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Fraudster have our corporate bank account info and have deposited fraudulent checks and submitted Fraudulent ach debits utilizing multiple credit unions. 

USAA.COM PAYMENT tried to debit {$46000.00} Friday XX/XX/XXXX Originating id:XXXX XX/XX/XXXX Check # XXXX XXXX XXXX {$4900.00} XXXX XXXX  XXXX, MD USAA Credit Union This is jut one credit union but there are multiple involved with these scheme. Please see the attached spreadsheet. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
FRCA Violation credit card CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My credit file shows that someone applied for a credit card at XXXX XXXX without my consent. I have no interest in having credit with that company.

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 2017-10-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted to speak with a LIVE agent at Equifax but unsuccessfully numerous times. 
I am NOT able to logon to their Official website. It is NOT accepting my Username or Password. When I go to Forgot Password it prompts me to enter my Last name which I know and my social security number as well as my date of birth, I click submit but it automatically tells me that they can not log me on and that I need to call but when I look to the upper Left hand of the page it can see my name Welcome XXXX ... ( what is that??? ) I am not able to get through as the phone rings out and then hangs up. What do I do? I do n't know if I am affected by the security breach. 
I want to know if there is a Security and or Fraud Alert on my account and I need to dispute some things.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On X/X/17, I tried to withdraw {$5000.00} from my checking account from the Chase XXXX XXXX branch. I provided a primary and secondary form of identification as requested. The teller asked me to wait since he needed an override. Since it was taking awhile I asked if it would be easier to take it out of my savings since both had ample funds. The gentleman ( who never identified himself ) indicated that he was trying to see the last time I took a withdrawal so he could compare signatures. Quite frankly I could not remember so I said probably 10 15 years ago. I do n't normally transact business in the branch and therefore could n't remember. He then told me I could n't withdraw the funds as I did n't answer his questions accurately. I did tell him I write maybe 1 or 2 checks per month and could he compare my signature to them. He said it was n't procedure. When I asked for clarification, he told me he could not discuss further and walked away. I tried calling the XXXX number and they suggested I go to another branch as they were unaware of branch procedures. When I asked if the same thing could happen again, the operator suggested I ask the branch manager. When I reentered the branch, I found out I had been talking to the branch manager but now he was in a meeting. I was told I would have to write a check but I said that was not good as I needed funds availability today and not 2 days from now. I can understand if I did not have funds or did not have identification but I did. If they had asked I could have provided more. Now I am inconvenienced as I do not have ready access to my money even though the funds have been on deposit well past availability time frames.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX  acct XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX acct XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 an 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 non-monetary relief
Consumer complaint received 2017-10-03
Company: Early Warning Services, LLC
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a XXXX XXXX Account on XXXX XXXX, 2017. The next day my account was restricted due to a notification from Early Warning Services. I contacted them regarding the information that was given to XXXX XXXX. They then drafted a consumer report and was sent to me. I found that the information in the consumer report was not only inaccurate, but financial information was being disclosed between my current bank and Early Warning Services. After question EWS regarding why this information was disclosed, they were unable to answer my question but redirected me to contact the bank. After contacting my bank, they were unable to understand why I was being reported to EWS when I had no fraudulent activity or suspicions on my account ever. I then disputed all information that was given to EWS along with XXXX XXXX XXXX checking my EWS consumer report almost monthly when I do n't have an account with them, nor have I ever applied for a XXXX XXXX XXXX service. Early Warning Services if reporting incorrect information on me from several resources, and has failed to respond to my request regarding these accounts. A dispute was faxed over to the company and they have failed to respond. 
Consumer ID XXXX They failed to provide a reason for the restriction of my account, and failed to tell me why current bank account information is being shared with a 3rd party consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: IN
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/2022, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX, KXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 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 signature does not validate the debt, and anybody can send a bill and and say it's mine. According to the FCRA, XXXX, XXXX XXXXXXXX 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 has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion is reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account was opened in 2010 and it has been ( 7 ) years from the date of last activity. This inaccurate reporting is a violation of the Fair Credit Reporting Act and is harming my credit score. This trade line item needs to be removed 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 2021-12-01
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020

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 2022-04-06
Company: Experian Information Solutions Inc.
State: IN
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/2022, XXXX, XXXX XXXXXXXX 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 added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 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 signature does not validate the debt, and anybody can send a bill and and say it's mine. According to the FCRA, XXXXXXXX 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 has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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