BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/XXXX ( my due date ) at XXXX, I made a payment of {$80.00} on my card. I was still charged a late charge and when I called the credit card company, I was told that their cutoff time for payments received was XXXX and that therefore, I would incur a late fee of {$37.00}. I wrote to the credit card company to have them waive this fee and was told that because they had already waived a late fee back in XX/XX/2018, they would be unable to waive the fee. I told them that the usual cutoff fee is XXXX  of the payment due date, not XXXX. I work late hours and am struggling to make payments so I think the least they could do, being that I have been a customer for years, is to waive the late fee as I did make the payment on the due date, but after XXXX. Also, I called them today ( XX/XX/XXXX ) and spoke with both a representative and a manager to try and extend the due date ( courtesy extension ) of 1 more day until tomorrow since I get paid on Fridays and they would not extend the due date at all. All they want are the late fees assessed. This is very unfair practice of them. This is a XXXX XXXX issued by BarclaycardUS.com. On their website, they have the following disclosure : " Pending payments can be modified or cancelled up to XXXX XXXX  ET on the scheduled payment date. Same day payments made between XXXX XXXX ET and XXXX XXXX  ET can be modified or cancelled up to XXXX XXXX  ET that same day. "

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 2023-10-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: TN
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:
credit report are supposed to be accurate an valid my reports are not such across the board the amount for violations of my rights will be drawn up in an invoice with a list of violations as i have given them years to fix these issues

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 2019-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Yesterday I received a call on my work phone from a private number at XXXX XXXX. I had another call at XXXX XXXX  ( again restricted ), XXXX XXXX, and XXXX XXXX from XXXX XXXX XXXX. They violated the Fair Credit Collection rules and are now harassing me at my place of work. I am making a formal complaint regarding their actions. They can not, according to the Fair Debt Collection Practices Act : a ) call me at work ; b ) threat or harass me ; c ) falsely claim legal action can be taken again me ; d ) contact me anonymously ; or e ) contact me after I specifically direct you not to. 

The person who contact me anonymously on XX/XX/2019 at XXXX XXXX EST was unprofessional, rude, harassing, threatening, commented negatively on my character, and provided legal information that was inaccurate in an attempt to scare me into paying a debt that I have already paid. She indicated that this call was recorded but did not provide me with her full name, ID number, or contact information. If I were you folks, I would pull up the recording and listen to it she was seriously over the line, unprofessional, inappropriate, harassing, and quite frankly, rude and wrong. I have paid the debt to Capital One and informed her of such but she was really, really obnoxious. I finally told her to have a nice day and hung up but they are still calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express mistakenly closed my credit card, wiping out $ XXXX in credit availability ( half of my overall availability ), which ultimately double my credit utilization, which resulted in a 40 point reduction of my FICO score. They have been less than responsive and are not taking ownership of the impact to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: Reliable Credit Association, Inc.
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX was included in Bankruptcy XXXX XXXX, filed XXXX XXXX, and was Discharged XXXX XXXX. I have disputed with the credit bureaus and the ruling of my dispute always comes back that the information was a Verified and found as accurate. This account needs to please be IMMEDIATELY removed from all three credit reporting agencies as this was clearly included in Bankruptcy XXXX XXXX in XXXX, Washington. This account has been for many months placed in and been allowed to continue to report to a COLLECTION as it is stated on the FQA on the CFPBs website. When asked can a debit collector place an account that has been placed under The Bankruptcy protection laws and was DISCHARGED IN BANKRUPTCY COURT, can a debit collector try to collect on a debt or place a debt into a collections status or can the debit collector continue to update or report in any fact of the law.

The answer from the CFPB is as follows, ( and this is taken directly off of the CFPB WEBSITE as I stated a few moments ago, it reads, A creditor or a debt collector CAN NOT TRY TO COLLECT ON A DEBT THAT WAS DISCHARGED IN BANKRUPTCY COURT!

I have submitted XXXX pages of documents from the Federal Court in XXXX, Wa. That clearly states that XXXX XXXX was FILED AGAINST ON XXXX XXXX and the Bankruptcy Court in XXXX, Wa. DISCHARGED ANY DEBTS KWING TO XXXX XXXX ON XXXX XXXX! 
I believe the fair solution to this is to IMMEDIATELY REMOVE FROM MY CREDIT REPORT!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-30
Company: Experian Information Solutions 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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian Credit Bureau to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX Open XX/XX/XXXX Balance {$0.00} and XXXX XXXX, XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX {$0.00}.

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 explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$12000.00}, XXXX, XXXX. XXXX .... Opened Date XX/XX/XXXX Balance {$800.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX. Opened XXXX. XXXX, XXXX XXXX {$19000.00}, XXXX XXXX XXXX .... Opened XXXX. XXXX, XXXX XXXX {$11000.00}, XXXX XXXX XXXX .... Opened XXXX XXXX, XXXX XXXX {$2500.00}, and XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$12000.00}, XXXX, XXXX. XXXX .... Opened Date XX/XX/XXXX Balance {$800.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX. Opened XXXX. XXXX, XXXX XXXX {$19000.00}, XXXX XXXX XXXX .... Opened XXXX. XXXX, XXXX XXXX {$11000.00}, XXXX XXXX XXXX .... Opened XXXX XXXX, XXXX XXXX {$2500.00}, and XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: EQUIFAX, INC.
State: ID
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 do believe in early   XXXX  , I do n't have the exact dates, but a payment was made in full to  XXXX   XXXX  ( and they will have record of it  )  and 3 days later they returned the payment to the bank. No exclamation was provided to me. In those 3 days, I was under the impression my card was paid and paid some bills {$300.00}  ).  Needless to know now I have more to pay on it. Approximatel y 2  weeks later, another payment was made PAID IN FULL and   XXXX   XXXX   decided to sent that payment back to the bank after 10 days. I contacted them and asked why or how could they could just send a already made payment back not once but twice? They gave me the runaround and I did n't get a single answer. And to top it off, they have put financial and late charges onto a bill I have paid twice.     I feel like I was a victim of identity theft, and someone out there took my funds both times. I have never received any monies back fro both payments either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX # XXXX has violated my civil rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-07-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, i sent a letter regarding inaccurate and unknown thing on my credit report to this day over 60 days later I have not received a response yet. I feel like i'm taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: EQUIFAX, INC.
State: WI
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: Information belongs to someone else

Complaint:
XXXX XXXX whats called on several different occasions to let them know they were reporting on my credit report Equifax account that I did not open it was fraudulently put on there they will not remove from

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
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:
There are several accounts that have been fraudulently opened in my name. The following accounts XXXX XXXX, and all the accounts listed as Dept of Education/XXXX. These accounts do not belong to me & I didn't give anyone permission to open them in my name. I have been a victim of identity theft and I have explained that the Equifax without any assistance. I have send the documents that they requested, a police report, ID, identity theft report but they still report these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: EQUIFAX, INC.
State: AL
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:
On  XXXX / XXXX / 2011  I paid off  XXXX   XXXX   XXXX  Bank {$7700.00} for a truck loan and received the title. Upon checking my credit report I discovered  XXXX   XXXX   XXXX  Bank had a remaining balance on my account for the amount of {$560.00} and was coded as a charge off. Please see attached supporting documents that dispute this report as well as a copy of the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Colony Brands, 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: Account status incorrect

Complaint:
I lost my job due to not having means to pay account throughout the pandemic I feel behind on payments as well. I have paid out the account. However it says it is active which the account is closed out.

Company response to consumer: Closed with explanation