BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 no relationship with XXXX XXXX XXXX that is reporting on my credit report. It's been over 2 years and I still have zero information about this company, or any proof of this collection. If no one can provide me with any information, it needs to be removed immediately. 
I have also paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not owe them ANYTHING, they got upset I moved to XXXX XXXX and dropped their service and tried to over charge me. Remove the account immediately. I have told Transunion about this a several times over the last 7 months. Stop with the negligence or I will pursue this legally in court.

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 2022-01-29
Company: BARCLAYS BANK DELAWARE
State: WI
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: Card was charged for something you did not purchase with the card

Complaint:
This regards an XXXX XXXX XXXX issued by XXXX and their failure to address 263 charges of {$20.00} each made toXX/XX/XXXX, which I did not make, over a 2-day period in XX/XX/XXXX. I first noticed these charges, totaling around {$5000.00}, on or near XX/XX/XXXX and calledXX/XX/XXXX customer service immediately. I have never been toXX/XX/XXXXand never visited XX/XX/XXXX online. I did not make these charges. I was told a " case '' was opened and that this would all be addressed. A new card was issued to me. 

A few weeks later, I noticed that these charges were ALL posted to my NEW credit card ( dates of posting were between XX/XX/XXXX and XX/XX/XXXX ). Again I called and was told this was a " mistake '' and that another new card would be issued to me. I was issued a new card and have never activated it, never used it. However, as I kept checking my account online, the XX/XX/XXXX charges were not disappearing and showing up as balance owed ( with interest accruing ). I called again to complain and was told a case had " not been properly filed '' but that it would now be done, and I shouldn't worry. I also began sending messages through the online portal on my XX/XX/XXXX account. After >50 messages sent, not even one has ever been responded to. 

Now, as recently as XX/XX/XXXX, about 75 % of the XX/XX/XXXXcharges from XX/XX/XXXX and XX/XX/XXXX were posted to my second new card. This is the card I HAVE NEVER USED NOR ACTIVATED. Today ( XX/XX/XXXX ) I called yet again to complain and was told AGAIN that a case had not been " properly '' opened. It has now been >90 days. My credit card balance remains around {$4000.00} from charges I never incurred. Interest is accruing. A XXXX payment is due. My credit score will undoubtedly be affected. I have a daughter in college and am taking out loans for her. This may not be a serious situation to XXXX, but it is dire to me. The US Federal Trade Commission is my last step before considering private legal action.

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 2019-09-27
Company: Square Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have my direct deposit going through cash app and I still have not received it my job a has sent it but it is no where to be found. My last direct deposit posted no problem but this one is no where to be found. I have no way of contacting cash app to see where my direct deposit is and it is wrong that I can not locate my money to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 dates late as of XX/XX/2018, 120 dates late as of XX/XX/2018, 150 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when i was not receiving statements because I thought that loans were in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021

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 2015-11-12
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Privacy

Complaint:
Hello, Today I received an email from Barclaycard XXXX The message reads as follows ... .. 

Dear XXXX, We 're confirming your recent request to change the telephone number on your account ending in XXXX on XXXX/XXXX/2015. 

Next time you need to make updates to your account, visit us online at www.BarclaycardUS.com and click Your Profile. 

If you have n't registered your account with us, just follow the online registration process to start seeing your account information wherever and whenever you choose. 

If you do not recognize this request, please contact us immediately at XXXX XXXX XXXX XXXX. 

-end message. 

Realizing I never put in such a request, I did of course call the phone number listed. The automated system confirmed my identity and after doing so began to remind me that my payment was over-due ( I asked to have the card closed and sent to collections, barclay card is continuing to keep it open and charging me interest ). I dialed zero until a person came on the line. This employee looked at the record and saw no change and confirmed that my current phone number was still the phone number on file. He also asked me if I have ever had a different phone-number, irrelevant question, and my answer was no. I then asked to speak to a supervisor who had nothing constructive to add. I believe this email amounts to nothing more than self administered corporate phishing. It is a disgusting, outrageous practice which utilizes the fear of losing your personal information to compel the consumer to call in to the phone number provided only to be reminded of the debt that needs servicing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
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:
Fraudulent account XXXX XXXX amount XXXX Date XXXX10

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Experian credit report states that XXXX is reporting Completed investigation of FCRA dispute - consumer disagrees in the " comment '' section of my student loan account. I am unfamiliar with the dispute which XXXX is referencing. I do not dispute the account information listed on my credit report. 

It should be noted that this is a recurring issue. I have gone to great lengths attempting to resolve this problem directly with XXXX and Experian. XXXX stated in an email to me that it submitted a request to Experian to remove the comment on XX/XX/XXXX, and that I should expect an update within five business days. That email is attached. I have attempted to resolve this issue with Experian directly to no avail. 

I previously filed a complaint against XXXX and Experian with the Consumer Financial Protection Bureau on XX/XX/XXXX, concerning this issue. The complaint number was XXXX. I also previously filed a complaint against XXXX with the XXXX XXXX XXXX. XXXX responded to my complaint with the XXXX XXXX XXXX on XX/XX/XXXX. That response indicated that a request was submitted to Experian on XX/XX/XXXX, to remove the comment. This response is attached. 

I withdrew my complaint against XXXX and Experian with the Consumer Financial Protection Bureau because the comment was removed from my Experian credit report ( for a time ). However, I accessed my Experian credit report today, XX/XX/XXXX, and discovered that the comment has reappeared. I obtained my Experian credit report directly from Experian itself, rather than a third-party app such as XXXX XXXX . I would like this comment removed from my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXXXXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

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 2020-01-09
Company: Aargon Agency, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reached out to this company via phone around XX/XX/2019 to request validation of debt that showed up on my credit report, Aargon account # XXXX. I ave never done business with Aargon nor had any communication from this company prior. They were unable to provide me with the information. I then receive a letter in the mail dated XX/XX/2019 from Aargon that states if they receive a written request within 30 days of this notice they will then request verification from the original creditor. Not only did Aagron furnish information on my credit report without notifying me and giving me the opportunity to dispute but they also have done so without properly validating said debt. They should already have this information prior to reporting to the credit bureaus. This would explain why they couldn't validate the debt when I called previously. If Aargon Collection Agency can not provide proper validation on this debt, it needs to be removed from all credit reporting agencies including XXXX, XXXX and 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 2019-01-09
Company: ATG Credit, LLC
State: IL
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 am filing this complaint because I cant help but feel a little cheated here. My credit score has dropped by over 90 points as a result of this collection from ATG credit. This is all stemming from a medical collection that I thought insurance was going to cover. The whole medical billing process is a mess and Im now being severely punished for something I had no fault in. Im trying to purchase a property and Im unable to qualify for the home loan program because my credit score is too low. I paid this collection once I was able to ascertain that it was  valid and that it indeed was my liability. Throughout that process I think its worth mentioning that I kept receiving nothing but conflicting information and this is what ultimately led me to delay the process of making the payment. I already pay quite a bit of money every month for insurance so who would want to pay more without verifying information? 

In addition to this, I was also informed by a supervisor that once the account is paid, that the damage to my credit score will be reversed. This simply isnt true as I have come to find out that the Version of the Credit score that is utilized in Mortgage lending will punish you the same amount regardless if the collection account is paid or unpaid. This is really a travesty, I am unable to fulfill a lifelong dream of purchasing a home over a small medical collection. 

I am asking that they submit a request to remove this account from my credit reports so I can move forward with the purchase of my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2020-01-09
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been banking with SunTrust for many years and on XX/XX/XXXX, I tried to log into my account to review my account balance and I was not able to gain access via online banking. I then visited my local SunTrust branch and was told that the bank had frozen and blocked the account. The bank representative explained that the bank was no longer allowing any transaction to be paid against the account. 

I then asked the bank representative how long will it take before the bank would be releasing the remaining funds of {$2700.00} and was given an estimate of about 15 days, which the representative said was the usual amount of time after an account is closed, before a check is mailed out for the outstanding balance. However, to this day ( XX/XX/XXXX ), I have not received my money and although I have tried several times to ask about it, I can not get the bank to confirm a release date for my money and they will not give a time line. Today, on XX/XX/XXXX, I even went back to my local branch and the representative I spoke with called SunTrust 's fraud division and informed me that the funds were being held " indefinitely. '' She said the department representative, who would not talk with me personally, did not offer a specific day, just indefinitely. 

I have not defrauded the bank in any way and I don't feel that I should not be given my money that the bank is holding. There is also nothing going through and I believe they can see that. I have given the bank sufficient time to ensure any transactions that I made against the account have cleared through the bank.

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 2021-03-24
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days 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 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 gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: IN
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues attempts to collect {$100.00} for non-return of equipment when my account was closed on XX/XX/XXXX, despite documented proof ( " XXXX XXXX Return Receipt '' ) provided to them that the equipment was returned on XX/XX/XXXX. Their most recent correspondence ( XX/XX/XXXX ) completely ignores my documentation proving their billing error, refers to my dispute as an " inquiry '', and misrepresents an enclosure from XXXX as a " response '' to my submission when the enclosure is actually not a response but is only copies of erroneous billing statements dated XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 my employer made a real-time transfer through XXXX of {$600.00} into my personal checking account at XXXX XXXX. XXXX XXXX did not credit the deposit until the next day ( XX/XX/2018 ). It caused my account to be overdrawn and checks returned unpaid. They charged me {$72.00} in overdraft fees. Their response was that any deposits made after XXXX XXXX would not be honored until the next day ... .even cash. This is outrageous! The transfer is in REAL-TIME as if it were cash. This is fraud!

Company response to consumer: Closed with explanation