BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-01
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
BarclayCard and I entered into an oral and written agreement to settle a past due credit card account on XX/XX/XXXX. The account was settled in full on XX/XX/XXXX. The representative for BarclayCard ( XXXX XXXX XXXX ) informed me that if I settled the account before the end of that month ( XX/XX/XXXX), that the bank would not report a charge off status to the credit bureaus and any tax liability for the account would be reported for tax year XXXX. Neither happened. Barclaycard is refusing to honor their oral and written agreement. On XX/XX/XXXX, I was to informed by XXXX XXXX XXXXl, a representative from the Office of the President, that BarclayCard would not be complying with the terms of the agreement. The written agreement provided by the bank specifically states '' We will send you an IRS Form XXXX by XX/XX/XXXXof the year following your final settlement payment. '' XXXX XXXX went back and reviewed the call with the collection representative, confirmed everything that he said, confirmed everything I stated was true and still refused to honor it the agreement in place, citing company policy and refusing to provide a direct explanation as to why they will not correct the issue. So now, I am left to deal with misguided and inaccurate IRS documents that this bank knows are not factual, all because they will not honor their agreement. This is egregious conduct by BarclayCard.

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that 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 XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-17
Company: EQUIFAX, INC.
State: UT
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Phone was stolen out hands in XXXX by mobile scooter rider XXXX while out spending time with my family. Stopped in a branch to file a claim the next day XXXX and noticed my account had been compromised. A XXXX  transaction for {$270.00} had been made via my mobile banking without my approval. I expressed this issue to chase bank claims specialist multiple times when calling and inquiring about my fraud claim. Chase treated me terribly after already going through this embarrassing situation physically with my family. Chase at first stated originally after the claim was filed that I'd receive a temporary credit in XXXX hours for the full amount of the fraudulent charge. That quickly changed after inquiring about the claim to XXXX business days because it was a online mobile transaction. I received a denial decision on the claim XXXX after waiting XXXX  days for an " investigation '' to be completed. On that same day I contacted the claims department again and escalated the claim to claims management department looking for an answer as to why my claim was denied. I was told by the claims manager that she could see that the fact that my mobile device was stolen was overlooked. She stated to me that she was resending the claim for consideration due to the fact that my device being stolen was not heavily considered. She then went on to express to me that the reason the claim was denied was because the fraudulent transaction was in my " region '' and on my mobile device. In my opinion that's a pathetic answer for a XXXX day investigation. How is that even an investigation? As if I can control what a thief does once my device was in their possession. I asked chase to provide me with a ledger or receipt, something I signed for this fraudulent transaction of {$270.00} and they completely ignored my request. Also I've never sent this amount to the individual listed nor were they in my mobile banking contacts as someone I've did an eft with. Immediately after speaking with the claims management department and escalating the claim to be reconsidered, I was told by the claims manager that another decision would be made on the claim in XXXX business days to decided whether or not to overturn the decision. Due to chase be diligent about denying the claim, I didn't have to wait XXXX business days for a final decision. I was sent yet again a rapid denial on XXXX stating the transaction was approved which it was not approved by me. I will be closing this account with this company due to poor inconsistent treatment of their consumers. We do not live in time where you can afford to deal with an undermining financial institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-03
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
LexisNexis is reporting inaccurate and unverified information in several of their consumer reports associated with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED 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 I did not authorize these companies to obtain my personal information to get credit accounts. I have no knowledge of these companies and whom may have used my personal information to obtain these accounts.

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 2022-07-19
Company: The CBE Group, Inc.
State: TX
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:
XX/XX/2022 a collection account was added to my report by Charter Communications in the amount of {$4300.00}. This is an error and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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:
Equifax mishandled my private information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website. The breach happened in XXXX and Equifax did not notify anyone quickly enough. In addition, they admit that they will not notify everyone which is morally wrong to all affected persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX/XXXX/XXXX, I noticed that one of my checks ( # XXXX ) had been debited from my account for the second time on XXXX/XXXX/XXXX. I called SunTrust fraud department to let them know and explain that the check was dated XXXX/XXXX/XXXX and was already paid on XXXX/XXXX/XXXX. They opened XXXX # XXXX. 

On XXXX/XXXX/XXXX, I noticed that another check ( # XXXX XXXX on a different account had been debited from my account for a second time on XXXX/XXXX/XXXX also. This check was dated XXXX/XXXX/XXXX and was already paid on XXXX/XXXX/XXXX. I called back to SunTrust and explained all the details above and that I needed for these checks to be returned either as duplicates or stale-dated items and my funds returned to my account immediately. They started a fraud claim XXXX. They informed me that I should have the funds back in my account with 2 business days. If more information was needed, they would contact me within 15 calendar days. 

Additionally, I went to the XXXX XXXX office on XXXX/XXXX/XXXX and was unable to resolve or get funds credited back to my account. Again, I requested the funds to be returned to my account and the request was denied. 

After being given wrong information from the various customer service personnel - being told that it does n't matter how old the checks are and that the funds had not previously cleared my account, I am not sure that they are aware of how to return checks or fix their error. 

I do not know what else I need to do to correct this problem. I feel that I should have the funds back in my account as I have proved to them that they were previously paid and can not understand why there is such a delay in correcting the bank 's error on my account. I am concerned that this may happen again in the future while they are taking their time in crediting my account back. I am trying to close these two accounts, but do not want to close them until my funds are returned.

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 2019-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I try getting a copy of my credit report sent to me by mail from equifax and they wouldnt send me a copy of my credit report at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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:
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 an account without my written instructions.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had made a payment from my bank ( bank of america ) through XXXX  to an individual for XXXX XXXX  inwhich the services was not rendered and was told to leave. This payment I made was sent to someone else and not the person I was in agreement with upon once I sent them the money through XXXX. I have contacted both the individuals through text and have not received a reimbursement or a reply back from. Also may a call to my bank and was told that there's nothing they can do. I have sent you a photo copy of the person2 I sent the payment to for the person1 I went to meet.

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 2022-08-05
Company: Edge Home Finance Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a Mortgage with this company in XX/XX/XXXX, and this company requested certain documents and an agreement to pull my credit reports in order for me to qualify for finance with them, and once I produced these documents and agreed to allow them to pull my reports I was told by a XXXX XXXX XXXX with this company that I had qualified for a certain amount money, and then all of sudden XXXX XXXX stopped answering my phone calls and emails, he also stopped answering my realtor 's calls and emails as well. Its now XX/XX/XXXX and it's been months since me or realtor have heard from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Disputed Debt that is paid in full and has been for over 13 years. I paid in full in XX/XX/XXXX the amount due of {$58000.00} which is noted and reflected in the US Department of Educations own financial records which I have copies of. Since then they have stolen my federal Tax returned declaring right of offset to the sum of over {$9800.00}, and yet ConServe continues to threaten Wage Garnishment which has been tried over 5 times in the past 13 years never once being successful because NO DEBT IS OWED. Account Number : XXXX ; Debt Number : XXXX, XXXX. Under the rights of the Fair Debt Collection act I am disputing the debt as it does not appear on any of my Credit Burrow files from XXXX, XXXX, or XXXX. I currently hold a XXXX XXXX XXXX, and my current mortgage on my home is an FHA  backed mortgage. The only company who seems to believe I owe this money is ConServe and I am demanding that they cease all collection efforts and stop harassing me. I was called on XX/XX/XXXX at XXXX and the lady on the phone who would not give me her name marked the collection as disputed. On XX/XX/XXXX my lawyers at XXXX XXXX XXXX responded to a letter post marked XX/XX/XXXX. Under the Fair Debt Collection Practices Act where ConServe & the US Department of Education finally produced a forged part of what appears to be a fictitious promissory note that clearly says pages 1 of 3, but pages 2 of 3, 3 of 3 were not provided. There is no indication in the copy they provided, of the terms of repayment, the amount borrowed, and many other significant terms of valid loan agreement. I have requested numerous time for an accounting of the payments, I have made on these loans - both to the department of education and the various loan servicing companies- and no account has ever been provided. I have paid these loans in full 14 years ago this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CITIBANK N A HAS A COLLECTIONS ON MY CREDIT REPORT THAT IS NOT MINE.

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 2022-09-01
Company: EQUIFAX, INC.
State: SC
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:
On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that 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 got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: MS
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 following accounts are violating my rights. 

XXXX XXXX CO Reported XX/XX/2022 {$10000.00} Outstanding XXXX XXXX XXXX Reported XX/XX/2022 {$210.00} Outstanding XXXX XXXX  XXXX Reported XX/XX/2022 {$160.00} Outstanding XXXX XXXX XXXX Reported XX/XX/2022 {$130.00} Outstanding XXXX XXXX  XXXX Reported XX/XX/2022 {$84.00} Outstanding XXXX  XXXX  XXXX Reported XX/XX/2022 {$42.00} Outstanding XXXX XXXX Reported XX/XX/2022 {$0.00} Outstanding 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 an account without my written authorization.

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 2017-10-17
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: Their investigation did not fix an error on your report

Complaint:
I became aware of a tax lien filed against me, Instrument Number XXXX, through a routine check of my credit report. After researching the issue, I determined that the State of Alabama erroneously believed that I was a citizen of the state during the XX/XX/XXXX tax year and therefore owed state taxes. I provided information to the Alabama Department of Revenue Office of Taxpayer Advocacy that resulted in Taxpayer Assistance Order # XXXX, which concluded that I did not live nor earn income in the state of Alabama during the XX/XX/XXXX tax year. Therefore, the final assessment on XX/XX/XXXX has been rescinded. Additionally, the State Department of Revenue recorded Instrument Number XXXX Release of Lien for Taxes. 

My credit was significantly degraded due to the erroneous tax lien, and I submitted the Taxpayer Assistance Order and Instrument Number XXXX, referenced above, to the various credit agencies to dispute the derogatory public record on my credit. Much to my chagrin, the credit agencies ignored the plain language in the Taxpayer Assistance Order I submitted and cited the existence of the original erroneous lien recorded in Instrument Number XXXX to find that a derogatory public record continued to exist on my credit. 

I again contacted the Alabama Department of Revenue and they sent a letter to the credit agencies requesting that reference to any tax lien be removed from my credit report. That was partially successful ; however, the credit reporting agency, Equifax, seems to be transfixed on the erroneous lien, and as long as a search turns up the instrument, no matter what logical argument is presented as to the validity of that instrument, my credit continues to be effected. 

I have filed three disputes with Equifax asking them to acknowledge that the State of Alabama explicitly directed them to no longer publish derogatory information pertaining to the erroneous lien. Equifax, however, continues to cite to the public record despite the obvious fact that it was a complete error on the State 's part. I am at a loss as of what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize nor did I authorize the following inquiries to be made : Cap One XX/XX/XXXX Cap One XX/XX/XXXX Cap One XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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