BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-18
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a credit card with Barclays. The dispute came from fees they assessed against my account. I always pay my bill in full, and they suddenly charged over {$50.00} in interest one month. I discovered later that they did this because they accidentally posted a payment on my account, and they charged me interest for three months from the time they posted the payment until they discovered the error. During these 3 months, I had been paying the full amount on my bill by the due date. 

When I discovered Barclays ' error, I made the payment in the amount that they had posted, but I contested the amount of interest because it was not my fault. I received 3 standard responses that " We are unable to complete your request. '' I stopped using my Barclays credit card, started making arrangements to get a new credit card, and I used {$75.00} in " rewards '' to reduce my balance. Then, I received a letter dated XX/XX/XXXX that stated that they had posted {$29.00} in " interest charge-purchases '' on my account on XX/XX/XXXX. The amount was the balance on my account, not the fees/interest that Barclays had charged on my account. Regardless, upon receiving that letter, I wrote a check in amount of {$29.00}, returned my credit card, and asked them to close my account, with the hope that I would no longer deal with Barclays. 

Since then, I have continued to received bills from Barclays. Apparently, they are charging a fee over {$20.00} per month on an account that has been closed and paid in full. In XX/XX/XXXX, I sent a letter to explain that they had not properly investigated my dispute, and that I should get a refund instead of bills. I received no response. Instead, I received a new statement in the amount of {$41.00}. 

I am writing to complain that Barclays ( 1 ) failed to investigate a dispute as required by the Truth in Lending Act, and ( 2 ) continued to charge fees on a closed account that has been paid in full. 

I am attaching my correspondence with Barclays regarding this matter. Thank you for any assistance you could provide.

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 2019-03-18
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:
The issue with this account is XXXX has not been able to provide any legal documentation that their was payment agreement between myself and the company. As mentioned before when XXXX is asked to provide this documentation they do not. XXXX does not have any paperwork between myself and XXXX showing I signed up for service or agreed to a line of credit. The credit agency is in violation. By law a creditor must provide proof. XXXX is not providing proof. They are only stating the debt is valid and not providing any paperwork to myself or the credit agency.

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 2019-03-18
Company: NPAS, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call on XX/XX/XXXX from a company called XXXX. They say I owe {$140.00} for Services at XXXX XXXX XXXX in XXXX XXXX. XXXX The alleged service was on XX/XX/XXXX. 
They claim that I received services at XXXX, despite my denial of ever having been there. I called my Medical Provider, " XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX. They informed me that the only services I had was indeed on XX/XX/XXXX, was from my Primary care Dr., at XXXX XXXX XXXX, and that bill had been paid when it was submitted. I called my XXXX  XXXX XXXX, and their billing office verified my date of service, the amount of the bill, and that indeed it had been paid. 
This is the 3rd time that this company has called or sent me bills that are fraudulent. The previous bills were for the same amounts, {$260.00}, for XXXX XXXX at places I have never been. One was in Georgia, the other was XXXX, the same as this call today. Though the names of the labs on the mailed billing, and the account numbers were different the format on the statement was the same. After calling my Provider and having them verify that these were not legitimate bills, I figured that this XXXX was trying to scam me. When I received this call from their billing Dept. this morning, I figured it was part of the same scam, possibly duplicate billing, from different XXXX. My Ins., is a Medicaid provider, and I know that XXXX is notorious for Medicaid and Medicare fraud.

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 2018-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed a dispute with my Bank of America Credit card company for a {$42.00} that I was supposed to receive as a credit from a merchant but never did receive it. Although Bank of America agreed to start an investigation, there was no credit issued to my bank. Therefore, I never got back my {$42.00}. Now Bank of AMerica stated they could not favor my side and ask me to pay back the {$42.00} that they had credited to my account ( although they never processed the refund for me in the first place, stated they would process the refund once they favor my side ). I could not reason with customer service representative because they stated they gave me a temporary credit but I have never seen it on my statement.

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 2018-06-30
Company: Experian Information Solutions 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:
Report # XXXX states an incorrect social security number ending in XXXX and remove telephone numbers XXXX and XXXX and incorrect name XXXX XXXX XXXX. My name does not carry middle initial.

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 2018-06-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX continuously failed to report payments made on time to Equifax, however they will promptly report a late payment. 

This is the second time I have had this issue with them. 

They either need to report monthly or remove my account from the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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 XXXX XXXX XXXX, has 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.

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 2021-04-06
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent A letter to dispute collections and unauthorized inquiries on my credit report sent out XXXX on XX/XX/XXXX and received on XX/XX/XXXX ( tracking # XXXX ) sent out Equifax which were sent certified mail on XX/XX/XXXX and received on XX/XX/XXXX ( tracking # XXXX and XXXX ) I did not receive respond within 30 days. I requested in dispute letters for copies of proof of the the original contract with originals signatures and if the could not verify and provide proof to delete accounts from my credit report within in 30 days. they did not provide original contracts signatures or proof and they did not remove disputes from my credit report. I also requested for all un authorized fraudulant inquiries listed to be removed and they were not removed. I called equifax today on XX/XX/XXXX and XXXX to ask why where they not removed and they stated they can not remove inquiries that I have to write a letter to each company listed on inquiry and dispute them to get them deleted. 
I would like my the collections I listed to be delete and all inquiries listed to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: HYUNDAI CAPITAL AMERICA
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX continuously failed to report payments made on time to XXXX, however they will promptly report a late payment. 

This is the second time I have had this issue with them. 

They either need to report monthly or remove my account from the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
BANK OF AMERICA FndTrnsfr XX/XX/2021 XXXX Direct Deposit Funds Transfer to checking/savings $ XXXX BANK OF AMERICA FndTrnsfr XX/XX/2021 XXXX Direct Deposit Funds Transfer to checking/savings $ XXXX Totals {$0.00} $ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXXXXXX XXXX {$6500.00} XXXX XXXX {$4600.00} XXXX XXXX {$5400.00} XXXXXXXX XXXX XXXX {$9800.00} XXXXXXXX XXXX  XXXX {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I mailed a letter to Lexis Nexus on XX/XX/XXXX requesting them to send me a copy of my consumer report. As of today they still have not provided me with this information and they continue to share my information on XX/XX/XXXX I received a letter stating they verified my information without my permisson.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Merchants' Credit Guide Company
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I got phone calls stating that I need to call ASAP Today about a debt. I could barely hear most of the message but an authority voice telling me to call. I am XXXX XXXX XXXX as my husband is also a XXXX vet. We do not need this. We are paying our debts and closed and are paying on what we could not. I also have a cease communication order on every debt collector from these harassment calls and we get them anyway.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Designed Receivable 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:
Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract.
FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : Designed Receivables Acct # XXXX Bal : {$380.00} Designed Receivables Acct # XXXX Bal : {$1700.00} XXXX XXXX XXXX XXXX No Account # listed Bal : {$27000.00} XXXX NO Account number listed Bal {$0.00} XXXX XXXX Account # XXXX Bal {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Attached is my ID, all other addresses on my report should be blocked for they are not mines.

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 2021-04-06
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX I, XXXX XXXX XXXX, contacted Wells Fargo Auto in writing through Certified Mail with out a return receipt, however I have not received the return receipt even though I have proof they received it on XX/XX/21 at XXXX. I sent my Cease and Desist Letter, Affidavit of Truth, Invoice and exhibits that are attached. I am contacting the CFPB due to them being in violation of 15 USC 1692c and 1681a ( b ). They reported my credit transactions, private information violating my privacy and have scored me making it detrimental to my life and caused defamation of character. I am seeking remedy under 15 USC 1692k. Also after them receiving my Cease and Desist letter, I was called contacted on XX/XX/21 at XXXX which is a violation of the FDCPA and the TCPA and 15 USC 1692c, and pursuant to 15 USC 1605 they are also in violation. I'm requesting an additional XXXX IN A CHECK for these violations that occurred afterwards. I have attached documents as proof. I Would Like your help in getting these matter addressed quickly. Please and Thank You.

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 2020-07-06
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Reminder complaint XXXX Dear Ladies and GentlemeXXXX, please note the attachment. You're closed the complaint. But I'm not agree. 

Best regards, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Experian Information Solutions Inc.
State: CO
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 tried to have the Bankruptcy removed from my credit report because I'm trying to rent an apartment and I'm getting turned down because of the Bankruptcy on my report. I have complied with my legal requirements. I'm a single mother of 2 children and I have finally graduated college and I have a great job now. Since I have relocated to XXXX from XXXX XXXX it is very hard to rent a place of residence with a Bankruptcy on your credit. They have a system to expunge Felons so they can get out and get a job so why I cant seem to get this Bankruptcy remove from my credit. I have satisfied my Legal obligation. PLEASE help me!!! 

thanks, 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 explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: MI
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:
I have contacted Equifax multiple times about my credit file reflecting multiple inaccuracies and have not gotten anywhere. They either send me a canned letter back saying absolutely nothing or in this most recent case, I receive nothing. I want this this bankruptcy that is a violation of my rights, removed from credit file, immediately. The people that they told me that verified this information sent me a letter on their letter head telling me that they have no knowledge of this information, so Equifax has been lying to me since I started this dispute. I want this item DELETED immediately. 

I am NOT a third party, I am complaining on behalf of myself!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A debt collection company known as I C System collecting on behalf of XXXX sent an email with specific information regarding a debt owed to XXXX and disclosure I C System is a " Debt Collector attempted to collect a debt and any information obtained will be used for that purpose ''. 

I do not know how I C System obtained an email address associated with me, nor, have authorization to use email as a means to collect a debt. 

Furthermore, if an email is sent, it should be indicative of a personal/private message intended for the named recipient only, with details on how to obtain a personal/private message that has been masked for privacy. 

I believe this message violates the Fair Debt Collection Act since full disclosure of a collection matter was made visible to others accessing this email account.

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 2019-03-18
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment for the year XXXX was {$1500.00} a month. This amount covered principal, interest and escrow. In XX/XX/XXXX our mortgage company Mr. Cooper ( XXXX XXXX XXXX XXXX. XXXX, TX. ) sent me a check for {$2800.00} for escrow overage and adjusted our XXXX payment to {$1300.00}. At this time Mr. Cooper new that the escrow account would be shorted in the amount of {$1900.00}. As of XX/XX/XXXX Mr. Cooper sent me a bill requesting additional payment of {$3100.00} for escrow shortage. Without this payment in full they change the monthly mortgage payment to {$1800.00}. I made a payment in XXXX of {$1700.00} to the escrow account expecting my monthly mortgage payment to be readjusted. I received my XXXX bill in the amount of {$1800.00}. I called Mr. Cooper asking why my mortgage payment wasnt readjusted and was told that because I didnt pay the {$3100.00} in full that they would not readjust the mortgage payment. Because of this manipulation I am now expected to pay a mortgage that not only exceeds my original mortgage, I am paying in excess on the escrow. 
In calculating my payments toward escrow, I to date have a balance of {$2900.00}. The target needed for escrow by the end of XXXX is {$5400.00}. With the mortgage payment at {$1800.00} minus principal and interest I am now paying {$710.00} a month toward the escrow account. Multiplying {$710.00} time 10 months comes to {$7100.00}, on top of the {$2900.00} now totals {$10000.00}. 
In addition, I also paid over $ XXXX against the principal payment in XXXX, decreasing the interest payment approximately {$110.00} a month.

Company response to consumer: Closed with explanation