BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I made a purchase using my Barclay XXXX XXXX that ends in XXXX in the amount of {$32.00}. 

On XX/XX/XXXX, within seven days of purchase, I returned the purchase to the merchant and the merchant issued a full refund to an entirely different card that ends in XXXX. 

I brought this matter to the attention of Barclay billing disputes, and a billing dispute was opened, and was subsequently closed because at that time, the merchant falsely claimed that the merchandise was not returned. 

However, in an extensive email exchange with the merchant between XX/XX/XXXX, and XX/XX/XXXX, the merchant acknowledged that the merchandise was in fact returned and that the refund was not applied back to the Barclay credit card ending in XXXX. Instead, the refund was misapplied to a card that ends in XXXX. 

I brought these additional facts to the attention of Barclay billing dispute on XX/XX/XXXX, and attempted unsuccessfully to call Barclay executive office on XXXX but no one would ever answer the phone or return phone messages that were repeatedly left. In addition, the entire email exchange with this merchant was copied to Barclay 's executive office email address, XXXX, and again, no one ever responded or acknowledged it. 

Barclay is required under the Fair Credit Billing Act ( FCBA ), to resolve this billing dispute, and has since failed to effectively resolve it which may result in legal liability, damages and attorneys ' fees under the FCBA.

In summary, as noted above, the original purchase was made on the Barclay credit card ending in XXXX ; however, when the merchandise was returned, the merchant misapplied the credit/refund to an entirely different card number. Thus, under the FCBA, Barclay has a legal obligation to resolve this billing dispute, including charging this transaction back to the merchant and issuing a credit in the amount in dispute including any fees and accrued interest associated with this transaction.

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: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I, XXXX XXXX, am a natural person and federally protected consumer. I authorize the consumer reporting agency, TRANSUNION, LLC, and the CFPB to move forward with this complaint. PLEASE SEE ATTACHED COPY OF CONSUMER REPORT. TRANSUNION, LLC claims to have verified and updated these alleged accounts. This complaint is a demand for deletion of the following accounts from my consumer report and file for failure to report 100 % accurate information about me pursuant to 15 USC 1681e ( b ). 

XXXX XXXX  a. It is a fact the closed date is inaccurate. TRANSUNION, LLC reports closed on XX/XX/XXXX, XXXX reports closed on XX/XX/XXXX and XXXX reports closed on XX/XX/XXXX. 
b. It is a fact that the account is reporting as Pay Status as CURRENT AND CLOSED which is inaccurate to be reporting account as late for any reason. 

XXXX. XXXX XXXX XXXX XXXX  a. It is a fact that the alleged balance for this alleged account is inaccurate as it does not reflect cents. 

XXXX. XXXX XXXX a. It is a fact that the alleged balance for this alleged account is inaccurate as it does not report cents.

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 2019-05-15
Company: EQUIFAX, INC.
State: AL
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:
Tried to unlock my credit report using the XXXX XXXX XXXX application on my smart phone but the application threw an error stating " Please give us a call! '' ( Attached Error ). I then called the number listed and was on the phone a total of 2 hours and 31 minutes. I was transferred 15 times. Each time, the rep would ask have to verify my identity by asking a series of questions about my credit file to proceed. 10 minutes or so later, they would inform me that even though they validated me, they were not the right person to resolve my issue. I was told by some that the application isn't working for anyone and they would transfer me to a person who could help. Only to have to go through my problem over and over and no one able to help. Transferred offshore/onshore/offshore/onshore so many times. Finally I got a female who stated she was in the USA ( I specifically asked for a USA rep to help me ). She was nice but after asking me the same series of identifying questions I'd answered 14 times earlier, she tells me that my answers didn't match and that I'd need to provide my drivers license / social security card ( or other documents ) in order to have the freeze/lock removed. Again, comical at this point, but she agreed to send me an email and I'd could provide the documents instantly. A matter of minutes later, I got the email and replied with the documents requested. She then inform me that this would all be done electronically and I'll need to give it 15-30 minutes. I asked how could she be sure it will get resolved after all, no one else seemed to have the capacity or skillset to do so and kept telling me it was a system issue preventing them from removing the lock. She stated that's not true and she will take care of shortly. Equifax continues to be a pain in the side of so many consumers. I actually pay for a product to monitor and check my credit report daily. It hasn't worked in 2 weeks and I was told a few days ago it would be escalated and resolved " shortly ''. No such thing. I wish consumers had another option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX did not timely submit claim to insurance ; debt is invalid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/19 I received a phone call from a representative regarding a debt with XXXX. She asked my name, I then asked who was calling. She refused to identify herself by name, which by law, she must do regardless. In fact, that is the ONE thing a collections representative must do as well as notify the consumer that the call is being recorded. I am very well aware of collection call laws, considering my wife does XXXX XXXX and XXXX for a XXXX XXXX XXXX.

My wife placed an anonymous call to the company to request what type of  company this was and they refused to ID themselves as a collection agency. No specific information was requested regarding any account or other information, simply asking the company type which they failed to do. The representative then hung up on her for no reason - she was not raising her voice, threatening or cursing at the representative in anyway. She herself called on a recorded line and can provide this information to a lawyer. 

This company needs to be looked into regarding their collection practices. 
I am well aware without giving proper consumer verification they can not provide specific debt information, but when asked their representative name, their company name and the type of company they are, they need to provide that information. That information is not sensitive and does not violate any law. 

The debt in question is valid, that is not the issue. The issue is their choice of collection practices. It is borderline harassment - hanging up and refusing identification of themselves violates FDCPA laws. If I receive any further calls from this agency I will go to a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: EQUIFAX, 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:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
BMO Harris Bank keeps charging me excessive overdraft fees and not even covering my overdraft although I signed up for overdraft protection they have never covered any overdraft but continue to fee me excessive fees for a {$2.00} charge in the negative at XXXX  XXXX XXXX they charged me {$36.00} I'm currently in a economic hardship and they refuse to reimburse me the excessive fees! Also they state they sending back my auto withdrawal from XXXX XXXX XXXX and charge me more and more although I opted into overdraft protection this bank is frivolous in that they excessively charge and fee u to much!

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 2018-01-25
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 is missing that should be on the report

Complaint:
My new employer information is not on my credit file it only has my previous employer information.

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 2018-12-04
Company: HALLMARK HOME MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hi CFPB! My names is XXXX XXXX. I have a problem about Esrow Funds with Hallmark Home Mortgage, LLC XXXX XXXX XXXX, XXXX XXXX IN XXXX. They are keep the amount is {$1100.00} and tell me they will refund when the yard at house done ... but since it done they just sent me back {$1000.00} because of the inspection cost {$130.00}. Nobody tell me i need to pay for the inspection. When i call XXXX XXXX ( work for Hallmark home mortgage ) said i was signed on the escrow agreement at closing date on XX/XX/2018. The reason I complaint is  because i have no time to read the escrow agreement on closing day. I would like to have the escrow agreement some days before i need to sign so i will understand it. I would like to have {$130.00} back because I didnt know ... I would love CFPB help for that issue ... thanks so much ... please contact me at XXXX!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 is the only company that shows 2 accounts not listed on XXXX or XXXX. I demand XXXX remove the capital bank and XXXX XXXX account off my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Statewide Credit Services Corp.
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:
During this time, the economy crashed, we were devastated by Hurricane Sandy, lost two cars our home was unlivable for one month and I didn't qualify for any programs because of my gross income which does not take into account loss of pay due to time/pay loss from work to attend numerous and frequent appointments and my dental coverage was dropped.My credit was greatly effected from these events. Prior to this monumental time in my life, my credit was great. I am appealing to you to remove this derogatory account from my three credit reporting agencies. It has been with great difficulty attempting to recover from our my unfortunate situations. It is almost seven years reaching the statute of limitations. I am hopeful that you are understanding of the unfortunate circumstances in our life you could understand that families affected by natural disasters, loosing time at work and not being compensated, and complete devastation you could offer the opportunity for this family of five to recover and remove this account from all three report.My husband as since lost his job we have been climbing back slowly ever since

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed a medical bill on my credit report through Transunion several times over the last few months. The medical bill was placed on my credit by XXXX XXXX XXXX. I made Transunion aware of the fact that I was a Medicaid recipient and therefore did not owe the bill because by law I can not be billed as a Medicaid recipient. 
They did absolutely nothing about it and stated that it was staying on my credit. I don't believe Transunion adequately investigated the matter. If they had done anything more than a cursory investigation, they would have realized that XXXX was illegally attempting to collect the debt. 
XXXX  account number : XXXX This is regarding the medical bill on my credit report for XXXX XXXX. The DOS for this bill was XX/XX/2014. I am including a copy of proof of medical coverage for the DOS.

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 2019-05-15
Company: Selene Finance LP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our account was assessed an additional {$120.00} fee for post-bankruptcy fees from Selene Finance. We do not dispute this. However, we wanted to pay it online and also pay additional principal. When we logged in to do so, there website would not allow you to pay additional principal nor pay the {$120.00} fee. It only allows you to pay your set mortgage ; which our mortgage agreement allows us to pay more towards principal without being punished. So upon calling Selene ; they stated we had to make these payments by phone and pay an additional {$12.00} to do so. This is not part of the mortgage agreement if their website won't allow an additional payment. You shouldn't be charged to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
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: Old information reappears or never goes away

Complaint:
Equifax : ( multiple complaint ) 1-a PAID/CLOSED account keeps 'reappearing ' on my EQUIFAX report. 

2- the amount belongs to another creditor. 
wrong entry : XXXX XXXX XXXX  = {$200.00} correct info is : {$200.00} XXXX XXXX XXXX XXXX XXXX  paid years ago. 

3-Equifax sent an email link that claim it couldnt verify my information, BECAUSE they had the INCORRECT INFORMATION. 

Name spelled incorrectly/ Occupation-incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I called all 3 of my credit reports XXXX, Equifax, and XXXX. I never lived at XXXX XXXX XXXX XXXX whatever the full address did not appear XXXX XXXX TX XXXX. The second address is XXXX XXXX XXXX NJ XXXX address was not complete. The third address is XXXX XXXX XXXX, Tx XXXX. I was a victim of credit fraud the person had access to my email which I no longer use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: EQUIFAX, INC.
State: DE
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:
There is an account with XXXX XXXX XXXX showing on my credit report in the amount of {$1300.00}. I do not have a contract with XXXX XXXX XXXX. I am not liable for this collection or responsible for this debt. I was never sent any proof validating this debt even though I have requested it. Furthermore, it doesnt appear that XXXX XXXX XXXX is licensed to collect debts in the state of Delaware.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: MN
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:
XXXX XXXX XXXX XXXX XXXX held the lien on a truck that was crashed on XX/XX/XXXX and insurance deemed totaled on XX/XX/XXXX. My monthly payments were due on the XXXX of every month. XXXX  XXXX XXXX XXXX XXXX was notified of the crash immediately and was informed that insurance would be paying off the remainder of the loan. My insurance company did not submit the check to XXXX XXXX XXXX XXXX XXXX until XX/XX/XXXX, and did not cover the remainder of the loan. At that time, Insurance made a payment of {$13000.00} on XX/XX/XXXX - 5 days late. However, they reported to Equifax that the XX/XX/XXXX payment was made by me 30 days late. Next, the remainder of the loan balance was paid on XX/XX/XXXX, in an amount of {$3500.00} - 20 days late. A paid in full document was sent by XXXX XXXX XXXX XXXX XXXX to me, with the stamped date displaying XX/XX/XXXX. However, XXXX XXXX XXXX XXXX XXXX reported the XX/XX/XXXX payment was made by me 60 days late. How is this even possible when the loan was paid in full 20 days after the XX/XX/XXXX payment due date? 

I sent a letter to the Director of Consumer & Real Estate Lending/VP at the Main Street location, requesting the corrections be made and false derogatory remarks be removed on XX/XX/XXXX, and never heard back. 

I filed a dispute with Equifax, who investigated and reported that the late payments were accurate - which again, is not even possible given the facts and the documentation XXXX XXXX XXXX XXXX XXXX itself has provided me. I attached supporting documents to the dispute that indefinitely proved inaccuracy on XXXX XXXX XXXX XXXX XXXX XXXX part, and proved the accuracy of my claims. However, these documents were ignored and the late payment remarks remain on my credit report. 

The documentation I have is an activity statement for my loan account in question provided by XXXX XXXX XXXX XXXX XXXX showing the dates and amounts received supporting my claims and disproving The XXXX XXXX XXXX XXXX 's late payment remarks. 
Also, the Paid-In-Full document showing a paid in full date of XX/XX/XXXX provided by XXXX XXXX XXXX XXXX XXXX that support my claims and disprove XXXX XXXX XXXX XXXX XXXX 's late payment remarks. 
Lastly, the claim outcome details, dates, and disbursement amount and to be paid to the loan by XXXX XXXX XXXX, provided by XXXX XXXX XXXX supporting my claims and disprove XXXX XXXX  XXXX XXXX XXXX 's late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
On my credit report I was looking into, I noticed that the information that was on my credit report that was reported for my Vehicle Loan and the Company, has reported in correct information as with they have not reported to the credit bureaus monthly as agreed when I purchased the car. They have incorrect, false information that has personally not helped my credit score whatsoever since opening the loan last year. Theyve reported spotty and also reported I was 90 days past due one month which is incorrect. The payment amount monthly I pay is incorrect as with the balance and initial loan amount. Ive contacted them and they said they would contact me back but I never heard back. I sent messages as well detailing the mistakes and inadequate information being reported and they never responded. But they did harass me and contact me via phone, text and email daily when i was past due with my payment. But now refuse to contact me back, or state that the information they have doesnt reflect that. I was denied a credit card based on the information they reported that is incorrect, false and not true. Ive not seen a credit score increase at all since getting this vehicle loan, and I wanted to get help as they are required to report to my credit bureaus monthly with correct information. They have not attempted to fix this information nor provide me with documentation that I can submit to the bureaus detailing opposite information.

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