BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
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: Information belongs to someone else

Complaint:
I was made aware of four accounts on my credit report that were opened in my name without my permission. The reason I even checked my credit report today XXXX/XXXX/2020 is because I was planning on applying for a personal loan. The accounts were opened with these companies. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I do not have any relationship, written contract or agreement with any of these companies nor did I benefit anything from the accounts that were opened with these companies such as money, goods, services or any other benefit and I did not take part in any purchases or payments that might have been made towards these accounts. have no idea who is responsible for opening these accounts in my name without my authorization but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.

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 2019-01-08
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I contacted Barclays AAdvantage Credit Card Service Department to formally dispute a purchase of XXXX XXXX XXXX from XXXX XXXX XXXX located in XXXXXXXX XXXX. The puppies were sick and unable to control urinating and defecating, so I returned the two puppies to the store on that day. 
On XX/XX/XXXX I faxed a detailed letter to Barclays AAdvantage Credit Card Dispute Department outlining the reasons for returning the puppies to the store and that I asked for a full refund for the purchase price of the puppies {$3200.00}. 
OnXX/XX/XXXX Barclays AAdvantage Dispute Department contacted me stating that the charges would be reapplied to my card and that I will receive a letter requesting additional information as to why I am requesting to dispute the charges that would allow me to continue to dispute the charges. I NEVER RECEIVED ANY LETTER FROM BARCLAYS AADVANTAGE DISPUTE DEPARTMENT. 
XX/XX/XXXX I contacted Barclays AAdvantage Dispute department informing them that I have not received any letter from them. Barclay AAdvantage Dispute Department stated that the letter could take between 7 to 10 business days and that I should give it more time to arrive. 
XX/XX/XXXX I contacted Barclays AAdvantage Dispute Department letting them know that I have still not received the letter from them so that I can properly respond to their questions for disputing the charges. Barclays Advantage Dispute Department said they would resend me the letter via email and to expect it within 2 business days. 
XX/XX/XXXX I had not received am email from Barclays AADvantage Dispute Department so I called them again asking for someone to send me the information. During that call with Barclays AAdvantage Dispute Department the call was some how disconnect and the wait time to reconnect was over an hour. 
XX/XX/XXXX I have still not received any letter from Barclays AAdvantage Dispute Department so I called again and again I was told that they would send me the letter via the mail and that they can not send this information via email. 
The problem is that my credit card bill is due XX/XX/XXXX and I have not been given the letter so that I can respond to the disputed charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020, I attempted to check my bank account balance with Bank of America. I received an error, telling me that I did not have access to the account. Since it was the weekend, I could not get any help. I called on Monday, XX/XX/2020, and after being on hold for 2 hours, spoke to a man in the " Risk Closures '' department, who told me that my bank account had an " 888 hold '' and was being closed by the bank. I recieved no notice, or warning of any kind. He said that my funds would be mailed to me, after a review of my account. I told him that they have all the money to my name, and I needed to pay rent in 2 days. I'm a single mom with XXXX teenage sons- and we need groceries!! He stated that he would request that my funds be released to a local branch instead, and to call back on XX/XX/2020. I called on XX/XX/2020, just to check the status, as the man from the previous day said I could, but there was no change. I called on XX/XX/2020 and was told by a woman that a check would be cut the next day ( XX/XX/2020 ). I asked to speak to her supervisor, and was given XXXX. She said she would request that my funds be released to a local branch instead of the check, as I can not wait 10 days to get my money. At this point, my funds should be around {$5000.00}. I was also told that items would clear my account, yet I have received 6 emails from XXXX, telling me that my bank account is being declined. I never even had any warning, and I am at a loss - I can't live without access to any of my 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 non-monetary relief
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX 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 2019-03-29
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2019, I was served a certified letter containing a Notice for Execution Against Wages for XXXX. A judgment for a debt I was never notified of or have any record of dealing with XXXX XXXX 
I responded to XXXX, XXXX and XXXX attorney for Midland Funding, the buyer of the debt, on XX/XX/2019, asking for the debt to be verified. They responded on XX/XX/2019, saying the judgment was filed legally and a snip of the judgment in the amount of {$10000.00}. No proof of account or anything from XXXX with my name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My mother passed away on XX/XX/2020 leaving myself as beneficiary on several accounts listed as " Payable on Death ''. I went to the XXXX XXXX XXXX branch of Wells Fargo at XXXX and tried to close the accounts. I was told I would have to make an appointment and I understood. The appointment was for the following Monday when I presented all of the documents that were required to claim the accounts. I was told that due to some activity on the account there was a fraud hold on the account and I would have to come back to the branch in three days to close the accounts. I returned on the appointment and after about two hours in the managers office I was told the fruad couldn't be cleared for another five to seven days. Today is the seventh day and I have not heard from XXXX the manager yet. 
The fruad they are investigating is on a credit card account which I had the authority to use for final expences, but Wells Fargo tied up the other accounts which are separate from one another. This action is totally unacceptable as is the time frame for the transfer of funds. I have expressed my concern to XXXX to no avail and now I turn to you for a possible solution. I live aproxamently 80 miles from this bank and I am XXXX years old and dependent on friends for transportation. 
Any help you could provide would be appreciated. 
Thank You 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 2020-08-21
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: Their investigation did not fix an error on your report

Complaint:
Equifax is incorrectly reporting a paid collection account on my credit report for XXXX or XXXX XXXX  XXXX, a utility company. I have asked them to investigate this and they have failed to investigate this numerous times, and recently reported the same account twice on my credit report causing even more credit damage. This is unbelievable and I am beyond frustrated at there complete disregard of maintain accurate records. This XXXX   account is highly disputed and under litigation - I am currently suing XXXX XXXX   XXXX for this, and now Equifax has decided to report the same account TWICE??? 
I am adding a copy of my credit report to show Equifax reporting this same account twice. I demand a full removal of both of these tradelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
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:
I HAVE REVIEWED MY CREDIT REPORT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Granite Edvance Corporation
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My life has been a total disaster especially since XX/XX/XXXX and the arrival of covid-19. I have not been employed as a XXXX XXXX XXXX   or any other employment since XXXX '. Taking care of myself and significant other ... we barely keep a roof over our heads and maybe food on the table? I/we need forgiveness of this student loan. the stress and anxiety are overwhelming to say the least. Please Help. Sincerely, XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED TEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: BARCLAYS BANK DELAWARE
State: PA
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 made A payment to Barclays on XX/XX/2022. It posted in the amount of XXXX for business travel on XX/XX/2022. This morning I wake up and see in my checking account a pending charge for another XXXX to Barclays that mirrors my original posted XXXX. I call My checking account bank XXXX XXXXXXXX XXXX and they confirm it is Barclays pulling a duplicate payment. I did not put another payment in. I call Barclays and they basically say yes we know. Meanwhile they have basically locked my checking account down because its showing a negative balance with the pending charge. Nobody from Barclays seems to know anything other than theyre aware and its happening to many customers. Zero help no why or when it will be fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: TRANSWORLD SYSTEMS INC
State: OH
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 have a loan with TRANSWORLD SYS INC/XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, TRANSWORLD SYS INC/XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: WELLS FARGO & COMPANY
State: NY
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:
Wells Fargo refuses to own up and face their responsibilities of inflicting pain and suffering to millions of pick-A-payment victims that were so systematically duped by a nefarious and deceitful loan product that to this day Wells Fargo continues to vehemently stand behind. Although the premises of my continued compliant was that Wells Fargo is not reviewing my then current 2010 financial crisis situation and assess whether or not the then 2010 modification offered to me at the time was in fact sufficient enough in providing the necessary relief that was not only needed in order to not default, but that was of the relief offered to other modification applicants with similar financial hardship. With that said Wells Fargo has not adequately investigated or addressed the inadequacies and deficiencies of a 2010 Loan modification offered to me during my most dire time of need. The modification offered was subsequently rejected by me due again to the fact that it provided no sustainable relief as it only place the amount owned/rears onto the current terms of then pick-A-payment loan # XXXX rendering the modification destructive and only self-serving to Wells Fargo as it would have protected Wells Fargo from any legal actions against them had i agreed to the terms and signed their proposed " Modification. '' Please note that a copy of this complaint has been forwarded to Florida 's District Attorney XXXX XXXX for their investigation as the proposed loan modification did not come close to meeting the modification relief afforded to all pick-A-payment class action suit home owners victimized.

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 2015-08-12
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a client who received a trial loan modification. She signed the paperwork in XXXX and was advised the XXXX payment would be due on XXXX XXXX, 2015. ( XXXX ) This agreement did not advise her not to pay the XXXX payment, so she made her regular XXXX payment since the trial agreement said it did n't start till XXXX XXXX. XXXX XXXX never received a phone call or letter advising her since she made the XXXX payment she broke the agreement and she would have to start the process all over again. There are no notes to myself either in the Hope Loan Portal regarding this situation. XXXX XXXX had already made the XXXX payment prior to signing the trial mod that had to be sent back to Chase before the XXXX XXXX deadline. XXXX XXXX notified me on XXXX XXXX that she had received a trial loan modification paperwork ; however, XXXX XXXX again had already mailed her XXXX payment since it was due on XXXX XXXX. So there was no way she could have not had the payment go to Chase. How can this be justified as breaking the trial mod agreement if it did n't even start till XXXX XXXX, 2015. There is a note in HLP stating that she had been approved for FHA Hamp on XXXX XXXX ; however, she did not receive the paperwork until XXXX XXXX, and again she had already mailed out her XXXX Payment ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had check my credit report and it show that I have a collection due from XXXX XXXX cellphones company since XX/XX/2007. This is a 12 years ago matter. I been contacting XXXX XXXX  company and they said that is nothing they can do because I dont have the supposed account number. I am stock on a circle here. Please help me to resolve this matter. Do not know if I will have to hire a lawyer to take care of this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Frost-Arnett Company
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FROST- ARNETT is the collection agency. we have asked them 3 times to send us detail information on 2 accounts they are trying to collected. we asked for complete address of the customers and a detail bill for both medical bills. 
we have also asked if our insurance has made payments on these bills : XXXX  XXXX XXXX XXXX {$1300.00} XXXX XXXX   XXXX XXXX XXXX. {$510.00} We made these request by telephone and in writing certified mailing. 
They have made no effort to correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I reach out to DIVERSIFIED CONSULTANTS after I saw a negative account on my credit report. I stated to them that I never had an XXXX XXXX XXXX account. Here 's the letter I sent them. 

To Whom it may concern, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. Any documents showing I own this account. ( I never had AT & T ).

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

9. Proof that you either own or were assigned the debt from the creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters.

Also, I never was given 30 days to challenge the collection.

Thanks in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Phoenix Financial Services LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XX/XX/XXXX Dear Sir or Madam : I'm writing to get resolution to 7 Medical creditors that was recently placed all in one day on my credit report. 2 for Phoenix Financial reported XX/XX/XXXX {$110.00} and {$110.00} and 3 for XXXX XXXX XXXX reported XX/XX/XXXX {$120.00}, {$660.00} and {$240.00}. XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$280.00} and XXXX XXXX XXXX reported XX/XX/XXXX for {$140.00}. There is n way I can owe these creditors. I have attempted to call each to explain the error but all they want is a payment. On my credit report it did not say medical, it says Collection or Charge off. I pay my bills and have a 100 % payment history. I explained that these error medical collections have been paid at 100 % as the Doctor and Hospital I use say I have a 0 balance. I have full coverage health insurance. I would like to have this removed from my credit report. I have asked these companies above to kindly remove but say no. I'm reaching out for help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is two collections accounts on my credit reports I have disputed on several occassions. They are XXXX and XXXX XXXX. I do not have either of the accounts listed on my credit reports as accounts that belong to me. I have attempted and spoken with the credit bureaus trying to resolve this problem to no avail. The account numbers nor the amounts from these two collection agencies are not listed on my report.

Company response to consumer: Closed with explanation