BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent a certified letter to this credit bureau requesting verification of how they verified these creditors XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX   XXXX , XXXX XXXX , and XXXX XXXX . 
Additionally, please provide the name, address, and telephone number of each person contacted regarding these alleged accounts. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

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 2021-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I had unauthorized charges on my checking account and reported them to the bank. 

The charges were made as XXXX XXXX. I don't even have a XXXX XXXX account and the description also doesn't have my information. 

I called the Bank and claimed the unauthorized charges but they denied the claim. 

Claim number # XXXX filed on XX/XX/2021 for {$6200.00}. 
Claim number # XXXX filed on XX/XX/2021 for {$4000.00}. 

I feel I'm being unfairly treated here. 

I request the company to fix the issue and resolve this as we are going through difficult times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I paid {$1.00} on XX/XX/2020 to get a fico score and later learned I had been charged an additional {$65.00} over the next 69 days. 

This company deceptively enrolled me in a " free trial '' with a recurring billing and spammed my email account with daily emails. None of these emails provided a statement of charges or any other indication I was being billed repetitively. I only learned about the situation from my credit card statement much later. 

It's also notable that the Experian website does not have a section for customers to see historic billing which is only visible to the Experian phone reps who are difficult to get on the phone. I tried to cancel before and could not get through to anyone.

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 2020-01-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Chase Freedom Unlimited credit card, directly from the Chase website, and it offered a {$200.00} welcome bonus after spending {$500.00} within the first 3 months of card opening. I applied and was approved for this card on XX/XX/XXXX. I spent well over the {$500.00} required to receive the bonus. I waited patiently and never received the welcome bonus. Finally on XX/XX/XXXX I called and spoke to a representative who said that was not a part of my offer. I replied that it most certainly was and that was the biggest reason I applied for the card. I asked to speak to a supervisor, I spoke to XXXX in XXXX, who stated that she could not find the code attached to my approval saying I would receive the {$200.00} bonus. I was able to obtain screenshots from XXXX that show that Chase was indeed offering the {$200.00} welcome bonus between XX/XX/XXXX and XX/XX/XXXX. I applied and was approved on XX/XX/XXXX so I fall within this window.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2021. I submitted a dispute to Experian to Remove/Delete a Chapter XXXX Bankruptcy Dismissed No : XXXX was place on my credit report provided by a third party XXXX Case no : XXXX & XXXX Please see Attachment. Experian has not remove or deleted this bankruptcy from my credit report base on the documentation from XXXX dated XXXX XXXX subsequently XXXX has removed this bankruptcy from there record outline by the Fair Credit Reporting Act. To the present. Experian still Certified that this information from XXXX is accurate and it remains on my credit report preventing me to obtain any credit.

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 2020-01-31
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had three credit cards with Barclays. An UBER card, an XXXX XXXX card, and an XXXX  card. The UBER card is the only one I had been using and it was the main credit card I used on a daily basis. In late XX/XX/XXXX, I got a letter from Barclays saying they had closed my XXXX XXXX card due to inactivity. So I went online to see what was going on and found out they had already also closed my XXXX card. Now this was a big deal to me because the XXXX card had rewards on it worth over {$1000.00}. So I called Barclays customer support the next day and ended up having to talk to a manager. The only thing the manager told me was Barclays could close my credit card without notice for any reason. And as much as I tried to get her to comment on the rewards I had, she would not comment on them. Then I notice in Barclays terms and conditions for the XXXX  card that they had a mailing address set up for customers who wanted to make a formal complaint. So I wrote a letter and mailed it via USPS certified mail. Ive been waiting for over a month and have not received a response. 

The letter I sent Barclays is attached. It includes more detail such as the fact that I was checking the Barclays web site every month using Barclays mobile app for the XXXX. And even after Barclays closes your credit card, there is no notice in the app that the card has been closed. The card account just shows up completely like a normal account. So there was no way for me to realize the card had been closed. Ive got screen shots of Barclays XXXX app included in the letter that shows this. And there is an XXXX  card account statement included with the letter showing the amount of rewards I had in that account. 

The USPS tracking number for the letter I sent Barclays is XXXX. If you check the USPS web site you can see I mailed it XX/XX/2019 and Barclays received it XX/XX/2019.

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 2017-07-31
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient really do n't care about the borrowers at all. Sometimes I when I already made a payment online they would still call me about it which is extremely annoying. What 's worst is they would harass my co-signer and family about my loan which obviously violates the laws as they are not allowed to that to begin with. My loans is never consistent as well since it went from paying {$320.00} in 2013 to {$520.00} today. It just kept on increasing as the year goes by. Because of the way the separated my loans into individually ones, it looks worse than it should be and if you have a missed payment, forget it, it will report on each one. Is horrible that they do n't just combined them into one since you are making one payment that gets divided into the other loans anyway. Because of this, my credit report is damaged. I asked if I could have some late payments removed from my report but they never responded me. However, it get reported to the credit bureaus instead that I was disputing them. So obviously nothing came out if it. Lastly, at one point I got into car accident around XXXX 2013 and had to take medical leave because of my injuries. However, when I explained my situation to Navient, they reported me late anyway on my credit report and when I ask to defer my payments while I try getting back on my feet, they said that they would have to charge me a fee in order for me to do that, which was around {$200.00} which is completely unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX friend alerted me I had send her money on Venmo. I had no and when I went into site saw where someone was getting $ XXXX.out of my checking. I removed financial information from account that day but money moved from my checking next day. Venmo says investigating but may take weeks for refund. XX/XX/XXXX another {$1300.00} removed from checking even though financial info removed.Venmo not very helpful. Also had fraudulent activity in PayPal but refunded same day

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-13
Company: EQUIFAX, INC.
State: TX
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:
An inquiry on XX/XX/2018, a Miscellaneous Utilities of XXXX XXXX. placed a hard inquiry on my report and knew that they do not service my area. XXXX XXXX stated that they could service my home but once they got here it was null.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$8900.00}

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 2020-01-31
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is an amendment to my earlier complaint ( complaint id # XXXX ) in which Wells-Fargo changed the terms of the refinance request. When I filed my complaint on XX/XX/2020 I had already told the mortgage agent to cancel my request, refund my money and " do not do the deal '' because he was changing the terms of our loan request. Never the less-on XX/XX/XXXX, at XXXX, CST, not only did Wells-Fargo go ahead and lock me in for an interest rate and term I NEVER approved, then they willfully and unlawfully charged my credit card for the cost of forcing a loan on me that I neither approved nor wanted. I have since had to file a disputed claim with my credit card company ( ironically, Wells-Fargo ) against a fraudulent company charging my credit card-which in fact is Wells-Fargo. I called the Wells-Fargo representative four times yesterday to get satisfaction to this matter but have received nothing to date.

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 2019-02-18
Company: EQUIFAX, INC.
State: AL
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 been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been  performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX  had a covid extension/payment assistance that was to help people affected by the pandemic, well atleast what was advertised not what was done. After, speaking with a rep about my impact from the pandemic I was told by both the Rep from XXXX XXXX and well as it was listed on their site/mobile app that due to the pandemic more payment options were provided with extensions and option for flexible payments throughout. As I made payment to best my ability through the pandemic I was still being dock for late payments fees AND late payments on my credit reports. Iam astound how XXXX XXXX XXXXl has handled this. Ive called multiple times for the past 2-3 months and each time the reps give you the run around tells you it takes 45 days for a response. They continue to change the dates transfer you over to a supervisor who dates are different from the previous .they cont. to give a run around and not acknowledge of your concerns. These lates need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Continental Services Group, Inc. d/b/a ConServe
State: ND
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Since XX/XX/XXXX, I owed the U.S. Department of Education {$14000.00} on a student loan. I have been making payments, including deferred payments. ByXX/XX/XXXX, {$9000.00} had been paid off. 
SinceXX/XX/XXXX, a debt collection agency for the Department, Conserve, has been taking payments offset by income taxes every year, includingXX/XX/XXXX. 
By now, this debt should have been paid off. However, I still owe {$2200.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: BARCLAYS BANK DELAWARE
State: NH
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:
Bought a timeshare. The card was issued by said company to pay monthly maintenance fees. Timeshare company said fees were not being paid so I asked credit card to send a statement of all transactions on card. I had been paying credit card for fees. Credit card just sent bill without identifying name of charges.So I paid up all charged paid off and cancelled card.But then they send Another charge, I sent by mail a request for charge on card and was sent a letter it was none of my business as the account was no longer in my name just my husband. Timeshare is still trying to bill me for paid fees credit card it charging late fees also. Wyndham Rewards VISA Signature Card Barclay account ending 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 explanation
Consumer complaint received 2021-04-08
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a complaint is against the AmeriHome ( AM ) ( 1 ) fails to process my payment via XXXX ; XXXX 2 ) making harassing collection calls at my work until I made an extra month of payment ; ( 3 ) rejecting XXXX Proof of Payment and refused to credit the payment to my account. 
On XX/XX/XXXX, XXXX made an electronic payment to XX/XX/XXXX. On XX/XX/XXXX ( XXXX before grace period ends XXXX, I received a collection call from AH at work. As soon as I picked up the phone, there was a recorded message This is a debt and collection call from AmeriHome, if you are XXXX XXXX This is super embarrassing if the call came through reception. I received 2 mores collection calls after that. 
I called XXXX inquiring about the payment and to double check if the bank has all info correct. XXXX confirmed payment was made on the XXXX and cleared on the XXXX. XXXX confirmed the account number was correct and provided a Proof of Payment to be sent to AmeriHome. 
In order to avoid more harassing calls which interfere my work, I made an extra payment on XX/XX/XXXX, expecting that it would apply to the XXXX payment. On XX/XX/XXXX, I called AmeriHome about the issue. The representative, I believe his name is XXXX told me to email the proof to AH. To my surprise, I received a response from AH that they can not respond to my issue because it is unsafe to communicate via email. However, this is the same email address AH has been communicating with me numerous time since XXXX. 
I made a total of 2 payments for XXXX but AmeriHome only credit the payment I made directly with XXXX, refused to credit the one month payment via XXXX provided I sent them the Proof of Payment. Please assist and investigate any other victims who run into a similar issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX XXXX XXXX XXXX  XXXX PULLED MY CREDIT ON XXXX WITHOUT VALIDATION NOR NOTICE.IN XX/XX/XXXX WENT ON ALL CREDIT REPORTS. KEPT CALLING MY DADS CELL XXXX AND CELL XXXX 12 TIMES AFTER CEASE AND DESIST NOTICES.

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 2021-04-08
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 status incorrect

Complaint:
I'm filing a complaint against XXXX XXXX  for the second time. My first complaint was resolved by the company after they attempted to falsely mark my account as delinquent on my credit reports and charge me for fees that they actually owed me because this deposit was what I used to open the account, which was fraudulently used multiple times despite the fact that I had never received a credit card in my hand since I opened it in XX/XX/2020. 

The credit card company refunded me {$200.00} last month and removed all false marks from all three credit bureaus, but my account has now been placed in delinquent status as of XX/XX/XXXX for missing four payments, which is yet another false claim made by the bank. This is completely unacceptable and unlawful ; I feel financially victimized by the credit card company, and I am not alone ; multiple people have had reported similar experiences with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a copy of my credit report while applying for a home and found that National Credit Adjusters had thrown a debt on my credit profile without any notice in the mail or phone call. This is the ONLY debt on my credit file and it is stopping me from obtaining a stable place to stay for my family. I disputed the debt through the credit bureaus and asked the debt to be validated by sending me a copy of an ORIGINAL CONTRACT with ORIGINAL SIGNATURE, PAYMENT HISTORY etc. I received a response rather quickly saying Debt Verified I feel like the issue was not even looked into on top of that I have yet to receive any validation. I have NEVER applied for a loan with National Credit Adjusters or anyone else please help me resolve this issue.

Company response to consumer: Closed with explanation