BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of XXXX I opened up a Barclay 's Credit Card. As soon as i opened the card I had immediate problems. Balance transfers have been made without my consent by a XXXX XXXX. I called the problem into Barclays and to date it is still not resolved and they have reported to the credit agencies and my score has declined.

After months and months of issue and 2 bank balance transfer we made according to Barclay 's. {$3600.00} & {$1200.00} I do not have the card and I do not have access on line. I closed the account XX/XX/XXXX and I have a letter from Barclay 's  bank documenting the account was closed with a XXXX Balance. 
On XX/XX/XXXX, I received a letter now with a new account number ( that I did not open or authorize ) That a recent payment to my card was made in the amount of {$3600.00} and returned to my bank. I did not make any such payment and reported it to Barclay 's and at this point I have investigations open into this account and a police report from back in XX/XX/XXXX and a supplemental update in XX/XX/XXXX. 
I have received letters from Barclays telling me while this is being investigated I would not be held responsible for this activity, and an adjustment will be placed on my account however that have sent me to collections they have reported to the credit agencies being late over 90 days for 3 months and although I received a letter when I closed the account back in XXXX of XXXX. They have opened up new account without my knowledge and when you read the documentation please take not all the account ending numbers. They just reported closing the account XX/XX/XXXX. 
I need help every time I call they tell me another 30 days. I have spend countless hours trying to get this corrected, but to send me to collections and report to the credit agencies with my score now dropping over 100 points. This is outrageous. 
I have sent them police reports and all the documentation and they will not stop collections they tell me I have to wait another 30 days

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 2022-04-20
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A XXXX rental property post emailed me on the inquire of a property. Unfortunately this post and person I had contact with via email and text promised property rental agreement and keys with the transaction of a security deposit that was sent through Zelle to recipient XXXX on XX/XX/2022 from my banking account. I was scammed for {$2000.00} out of my hard earned money. This person used a property address that did not belong to them as well as documents Id, and property deed from a unknown person to scam. I contacted the recipient to refund the money back and has completely ignored my request, I also contacted my XXXX bank and Zelle customer service but I am unable to get my money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: ALLY FINANCIAL INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
accounts paid but never left my credit report as well as outdated

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 2022-04-20
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to the privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Consumer Account # xxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX National Credit Audit XXXX 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 may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes 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 information is inaccurate..

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 2022-04-20
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. The List of accounts below has violated my federally protected consumer rights to the privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # xxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes 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 information is inaccurate..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent LCI a request to investigate and verify the accuracy of bankruptcy case number XXXX vial mail on XX/XX/2022 and via CFPB on XX/XX/2022 in which LCI acknowledge receipt of the request and responded that the " Company response is in progress as of XX/XX/2022 ''. 

CFPB Complaint Number XXXX My initiation complaint " I have attached my letter that I mailed on XX/XX/2022 that you told me that you never received on XX/XX/2022 '' My initial fair resolution request : ; Please acknowledge my letter and respond within a appropriate time frame. Also, please do not close this complaint without attaching your response. If any changes are made your are required to share the results with Transunion whom you share a relationship with Today is XX/XX/2022, and I still have not received a response from this company! 

LCI has failed to conduct an ( re ) investigation of bankruptcy case number XXXX in question within the required timeframe as outlined by the Fair Credit Reporting Act, and must subsequently remove this record from my LCI report. 

15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}

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 2016-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I received a bill for an annual charge for a card that I have not used in over a year. I did not see the bill until I received a bill the following month for a late fee and interest for the original {$18.00} membership fee. The new total was {$33.00}. 
I called and closed my account, but they insisted that I still owned them the {$18.00} annual membership fee. Every year up until now they have waived the fee, until now. 
This is not fair or customer friendly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: CA
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX Accounts # XXXX, has violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Services, Not Elsewhere ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IA XXXX ( XXXX ) XXXX XXXX - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXX Credit Card XXXX 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies See an error Institution Information XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA 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 explanation
Consumer complaint received 2016-08-15
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred from XXXX XXXX XXXX to Shellpoint Mortgage approximately 8 months ago. I have had nothing but trouble since. I just mailed my final payment to payoff my mortgage ( including XXXX late fee and XXXX " door knock '' fee that was listed on payoff letter ). They received the payment on XX/XX/XXXX. And even though the check cleared the bank they still have not applied my payment OR returned the XXXX dollars overage that is in our escrow account. This company is a NIGHTMARE and account should NEVER be turned over to them!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
TD Auto finance is continuing to report missed payments on a charged off account on a car I surrendered due to severe illness back in 2017. 
The amount is now showing as roughly {$20000.00} but the account is closed and charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home in XXXX XXXX. In XXXX XXXX, my mortgage was sold to SLS. I immediately began getting threatening letters from SLS about " inadequate insurance '' and was told I must make arrangements for coverage or face fines / litigation. According to the terms of my loan, property insurance is paid through my escrow account, however I have concerns that SLS is not acting within the law regarding collection and distribution of escrow funds. I did some further research and discovered that SLS has a reputation for such unethical activity. I am now in the process of refinancing with a reputable company, am worried about what SLS 's misbehavior will do to me financially until it is no longer my mortgage servicer. Please investigate and let me know what steps I should take to address this issue. 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 explanation
Consumer complaint received 2016-10-06
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
My loan was transferred to new servicer effective XXXX/XXXX/16. I have sold my house and was scheduled to close today XXXX/XXXX/16 and that has had to be postponed because new servicer says they can not provide payoff info or account info because it is not in their system. They are offering no help and now I can not close and this effects my buyers and their buyers.

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 2022-04-20
Company: WELLS FARGO & COMPANY
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: Problem with personal statement of dispute

Complaint:
Hello- XXXX XXXX XXXX XXXX, I closed all of my accounts with Wells Fargo XXXX In XXXX of that year, I received {$1000.00} and {$140.00} charges and I was confused by this as I had closed all my accounts. I contacted Wells Fargo immediately, fearing fraud. WF advised me ( verbally through their customer service line ) not to pay in case it was fraudulent. It then took about six weeks to clarify what the charge. It turned out to be legitimate : overdraft protection kicked in when an autopay was pulled from the account after I had closed it. With this information in hand and the clarification giving me much relief that it wasn't fraud, I paid the bill in full immediately Unfortunately, In the few weeks that it took to get to the bottom of what was going on, my " excellent '' credit rating plunged over XXXX points to " good ''. In the past two years, I have written to all three credit reporting agencies, hired a firm that works on expunging unfair credit ratings, have appealed numerous times to Wells Fargo as the credit reporting agencies all told me that a letter of explanation from them would restore my credit. Wells Fargo continues to reply the same way which is to say Overdraft Protection was charged and there was no fraud. Which I am not disputing. The only thing I am asking is that the nuance of the situation be acknowledged and that be considered in a letter to the credit agencies. Again, I paid the amount in full the moment the explanation was provided to me. I carry no debt, own my home, and again have had exemplary credit for decades. That I would be punished with this egregious downgrading of my credit for making a legitimate inquiry and awaiting the response of a corporation that has the power to undo this in a heartbeat is beyond frustrating. Thank you in advance for anything you can do for me.

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : 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 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.

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 2022-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2022 I received a phone voice message stating it was XXXX and there was an XXXX charge made in the amount of {$990.00}. Call them back if I had not made that purchase. I called them back. 

They said they could get my refund back if I followed their direction. I would need a XXXX account. I did not have that option on my XXXX XXXX, but I did have the option on my Bank of America in Florida. They then started using the XXXX account to withdraw funds from my account unbeknownst to me. During the phone call they tried to assist me by accessing my computer because I did not have a XXXX account nor know about what it was nor how to use one. They withdrew money to XXXX in the amounts of : {$500.00}, {$990.00} and {$990.00}. 

When I realized what was going on, I called Bank of America immediately. They responded that there was nothing they could do. 

I called Bank of America Fraud line yesterday, XXXX XXXX twice, speaking with a different agent each time when I was made aware of Regulation E. Both representatives stated my situation was not covered by the Regulations E because my situation was a scam, not fraud. 

I would like to know why Bank of America does not follow the Regulation E, when I know another bank did so for a friend who had the exact situation happen to him?

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 2021-11-26
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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: Their investigation did not fix an error on your report

Complaint:
XXXX & XXXX XXXX XXXX XXXX {$2100.00}. I did not authorize this transaction and Im not aware of this debt. According to the fair credit reporting act I should have been sent a statement regarding the debt that would allow me 30 daysto respond or dispute the debt. I would like to see proof of a contract or signature that I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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: Investigation took more than 30 days

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2016-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
3 years ago I filed bankruptcy. There was no reaffirmation of my mortgage done at that time, and my lawyer did not advise me that I needed to do so. I 've been seeing the same paragraph on my mortgage statement every month, but I never took the time to call them, until today, to find out what it really means. They told me that until I reaffirm my mortgage with them, they will not report any payments I am making to the credit bureaus. In fact, my report shows that my loan is closed and paid. It is not. It has a balance of {$82000.00} that I have paid religiously every month on time, with no late payments. I believe my lender is reporting false information to the credit bureaus by stating the account is closed, when in fact it is not. I also believe I have the right to receive credit for payments made whether or not I filed bankruptcy, and to have accurate information given to credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation