BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-05
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My account is blocked and I asked to close the account, they refused to close the account, asking me to send information to them ... I dont want to send them anything, I just want to close the account

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 2023-03-17
Company: Genesis FS Card Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I previous sent a letter to this company telling XXXX XXXX XXXX XXXX don't contact me about some bogus account they claimed I had with Indigo in year XXXX. They have continued to contact me by mail and by phone the number is XXXX which I screenshot on my cell phone. I was a victim of identity theft last year and it also shows on my credit report. They sent a Bill of Sale that is Post Dated A Year Prior saying this is when they purchased the Debt on XX/XX/XXXX. I have never had an account with Indigo and would appreciate if they remove this from my credit report and stop contacting me. I sent a letter to them because I thought they were an account from me being in collage paying for books which account was paid off now they say it's a credit card that I never received or seen a day in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts on my Transunion 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 2021-04-12
Company: EQUIFAX, INC.
State: PA
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 about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I sent my letter out on XX/XX/XXXX via fax to XXXX XXXX dispute department. After failing to send my investigaion 30 days after recieving my dispute letter, they sent back the investigation results almost XXXX months later. The information on my credit was concluded as accurate. I then received transaction history report from XXXX XXXX XXXX XXXX and realized that there were inaccurate information on the document. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer a reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13
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 information incorrect

Complaint:
* Last month XXXX reported my score was XXXX to a Mortgage company that made my FICO Score lower than it should of been. 
*Credit Agencies allowed a XXXX account be relabeled to a personal account and called it revolving. 
* I have never had a XXXX XXXX XXXX in my adult life. 
* Mortgage companies lowered raised my interest rates due to this credit adjustment. 
*My credit report is being fraudulently tampered with by placing fraudelent information and fraudulently reporting credit checks on my report. 
* I also have a derogatory credit reporting that I had a cable account just close in XXXX a couple months ago after living and working in texas the last last years * I was a whistle blower against the government were I exposed millions of tax payer dollars was being stolen. I have been retaliated against. The case just settled in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07
Company: SYNCHRONY FINANCIAL
State: CO
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:
SYNCHRONY BANK is illegally reporting Late Payments for XXXX and XXXX 2015, when the account was fully paid in XXXX of 2015.

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 2023-02-25
Company: Experian Information Solutions Inc.
State: NC
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX CARD XXXX Balance : {$6000.00} ; XXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX {$670.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/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 2023-02-25
Company: Experian Information Solutions Inc.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$17000.00} and update this on 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 2023-03-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an account on my credit report that I do not recognize and that does not belong to me, I believe this was the result of identity theft. The account is JPMCB Card opened XX/XX/2016 with a balance of {$510.00}. This account does not belong to me and I would like it completely removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
About a year ago, after a successful transaction sending money by MoneyGram to my relatives out of country, I was notified by MoneyGram that the transaction was cancelled. Next, I was told that I can not use MoneyGram services to send money in the future. I wanted to know the reason behind the decision that no one from MoneyGram has provided me. 
On XX/XX/21, a friend of mine sent me money from back home. Today on XX/XX/21, when I went to cash the money, I was told that a problem occurred and that MoneyGram will contact the sender and will refund the money. 
While MoneyGram may retain the rights to process or decline any transaction sent through its system, it shall not violate any federal, state, or local laws. I believe that I am being discrimanated or I would like to know what I have done that restricts me from sending or receiving money through MoneyGram. I have not done anything wrong on any transaction I made through MoneyGram or any other businesses. I am subject to profiling and discrimination by MoneyGram and it is against the law. Once again, I am asking MoneyGram what terms of the agreement were violated and to stop this practice of discrimination and profiling. I am waiting to hear from your office and looking forward taking this matter before the court if your arbitration can not bring clarity to this issue. 
Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: Experian Information Solutions Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is illegally reporting Late Payments for XXXX and XXXX 2015, when the account was fully paid in XXXX of 2015.

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 2019-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I opened an account with XXXX XXXX. Put down my payment received my card and used it as needed. Sent in my payment and the company returned the payment to my bank. This has happened time and time again. I have called and was told my payments were never received. However I have proof the payments were received. My account was fully paid in 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 2022-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received recently a bank statement from Bank of America dated XX/XX/XXXX to XXXX, 2022 showing a negative balance of {$4.00} due to a service fee. I never applied for nor opened this account. As I am aware of the banking scams of both XXXX XXXX and Bank of America and the investigation undertaken by your organization, I was immediately very concerned. As a result I sent my letter investigating this matter to Bank of America on XX/XX/2022 requesting information as to how this account was opened. ( Letter attached ) Instead of replying to this letter I received a communication from Bank of America dated XX/XX/2022 in which this bank is requesting that I fill out their guestionaire ( attached ) including asking such things as my social security number and a copy of such things as my driver 's license, etc. Given the fact that this bank would have appeared to have most of my private information in order to originally open this account, I find it inappropriate and frightening that the bank now feels that they are in a position where it is reasonable to request such information after they opened the account. If Bank of America fraudulently or negligently opened an account in my name, I would not want to provide them with additional private information to use against me.

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 2022-12-24
Company: EQUIFAX, INC.
State: PA
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 name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I received information from my childrens mother that someone from the XXXX XXXX XXXX was trying to use my credit report against her. No one had my consent to pull my credit report. My Equifax and XXXX are being used against her, and we are not married, nor do I reside in her home.I am not on her lease and feel like this was illegally done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Between XX/XX/XXXX to XX/XX/XXXX- I had a mortgage with Wells Fargo - during that time, I made all payment except for a few months which cause me to file for XXXX  XXXX Bankruptcy in the XXXX. I repaid all that money and at the end of my bankruptcy ended in XXXX, I was told by wells Fargo that i needed to modify my loan which i ended up owning more then i bought the house for XXXX  years prior. I tried to fight, no one seem to be able to help until I sold the house in XXXX to get out of the Mortgage.

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 2023-03-17
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have received direct deposit from my job every XXXX XXXX XXXX XXXX  EST for the past couple of months ( it used to be XXXX but that changed around XX/XX/XXXX ). My Wells Fargo checking account was overdrawn {$88.00} on XX/XX/XXXX and I was notified at XXXX XXXX EST, that morning. I get paid at XXXX XXXX EST every XXXX, so I knew my direct deposit would post and clear because it always does. Upon me getting off of work at XXXX XXXX EST ( XXXX XXXX  ), I open my Wells Fargo checking account and my direct deposit was posted and AVAILABLE and the overdraft I fees I incurred were cleared. I went ahead and paid my bills. After I paid them, and before I went into my work building at XXXXXXXX XXXX EST XX/XX/XXXX ( XXXX XXXX ), I looked at my Wells Fargo checking account and there was an available balance of {$160.00}. When I got off of work the following morning at XXXX XXXX EST ( XX/XX/XXXX, Friday ) I opened my Wells Fargo banking app and my account was - {$60.00}. I knew this couldnt be right so I checked my past activity on the account. It was suddenly saying my direct deposit had just posted that morning ( XX/XX/XXXX ) and not XX/XX/XXXX like had been shown originally. I called Wells Fargo customer service twice and was met with rudeness and no resolution. Wells Fargo is saying that the payment did just post on XX/XX/XXXX and my account had been negative since that XXXX ( XX/XX/XXXX ). I had been sent a notification email that my account was negative XX/XX/XXXX at XXXXXXXX XXXX EST, which I did see. However for every time I overdrafted my account from that point, I never received a notification, no email nothing since XXXX XXXXXX/XX/XXXX and it has been two days since the last time I was made aware my Wells Fargo account was overdrafted. Now Im not sure if anybody else has Wells Fargo, but usually you receive an email with all the information of the payments withdrawn. I did not receive one until after I got off the phone with customer service the first time on XX/XX/XXXX and pointed out that something wasnt adding up. Then they said I was a part of the XXXX XXXX XXXX but the company had not posted it andit just did not make sense. I feel that Wells Fargo is definitely doing something fraudulent and are just giving people the run around while taking their money.

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 2018-02-08
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced with Freedom Mortgage in XX/XX/2016 in order to lower my payments. I went from paying {$1500.00} to {$1300.00}. This month my statement said my payments were {$1900.00}, up {$600.00} more per month. The statement further stated my escrow was in the negative {$4500.00}. I called 3X before finally speaking to someone who understood what was going on. The first 2 customer service agents said it was because my insurance and taxes were high and expected me just to pay it. I new that couldn't be right, I had money going into escrow every month. The 3rd person I spoke with found an error where Freedom Mortgage had paid my windstorm insurance twice. This extra payment was {$2100.00}. Half of the negative balance of my escrow. The are currently investigating where this money is since the insurance hasn't refunded the escrow. He then admitted that me that the under writer surely did the math wrong at the signing of the loan. 

1. Freedom Mortgage did the math wrong leaving me short with my escrow 2. They paid my insurance twice, {$2100.00}. Leaving me with an even more negative balance on my escrow. 
3. Didn't even call me concerning the drastic change in my payments, instead, they just sent me the hefty bill and expected me to pay it. 
4. The first 2 reps did not even help look for any errors. They just expected me to pay. 

Freedom Mortgage doesn't seem to know what they are doing. They make multiple mistakes and just expect the customer to foot the hefty bill.

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