BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-04
Company: BARCLAYS BANK DELAWARE
State: KS
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 opened my XXXX XXXX XXXXXXXX  account and see that I have a past due credit card bill to BARCLAYS BANK DELAWARE for an account that was opened on XX/XX/XXXX in my name. I have contacted BARCLAYS BANK DELAWARE and told them this is a fraudulent account on multiple instances but it is still showing up on my credit report on XXXX, XXXX, and XXXX. The information displayed on the overdue " closed account '' is as follows : Account name BARCLAYS BANK DELAWARE Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Account status Closed Payment status Past due 120 days Status updated XX/XX/XXXX Balance {$6300.00} Balance updated XX/XX/XXXX Credit limit {$7000.00} Monthly payment {$170.00} Past due amount {$690.00} Highest balance {$7200.00} Terms Revolving Responsibility Individual I have disputed the claim through the crediting bureaus but BARCLAYS BANK DELAWARE refuses to take it off of my credit report even though I have spoken to them on the phone multiple times to tell them this account was opened negligently in my name. Their contact information is : Address po box XXXX XXXX, DE XXXX Phone number ( 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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX, I lost my job because of Covid recession. I tried my best to keep up with paying my bills and also maintaining my Chase account ending in XXXX. Chase however, took a total of {$4000.00} in overdraft fees. I paid Chase a total of XXXX times fee of {$34.00}. Some of my overdraft fees were for small amounts of under {$50.00} dollars. While I waited for my unemployment checks to clear. I paid Chase a total of {$4000.00} in overdrafts fees for the year of XXXX I called numerous times to request a solution, Chase however stated that nothing could be done. I have attached bank statement which shows total balance of overdraft fees for the year of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
There are 2 issues that I have discovered. 

Issue # XXXX. I did 3 internal transfers from one account to another for a large enough amount to cover charges that were made that day. At least 2, if not all 3 of the transfers were done before their XXXXXXXX XXXX cutoff. The first 2 were enough to cover all pending charges. The third was just to add a " padding '' until a regular deposit would be made on the next day. The next day, I saw 2 overdraft fees had been charged even though the balance was more than enough to cover all the transactions and the 3 transfers made the day before had posted that same night, proving they were made before the XXXXXXXX XXXX cutoff. When I contacted the bank, I was told that those last 2 charges were made when there were not enough funds in the account to cover them and that's why the overdraft was charged, that they were " pending '' and there were insufficient funds, so the overdraft fees were charged. I questioned them and advised that ( XXXX ) they can not charge overdraft charges on an amount that has not actually posted, and ( XXXX ) due to the internal transfers, that were also pending, and posted the same night, there were enough funds to cover the transactions. After dealing with 3 reps and 2 supervisors, I FINALLY got my XXXX refunded. The first 2 reps and supervisor could not ( would not ) get that what happened was wrong. 

Issue # XXXX - There was no overdraft based on my own charges. What cleared the night of the XXXX left me with a positive balance. Yes, there were pending transactions, but again, they were PENDING. They charged a {$36.00} overdraft fee when the balance in the account was positive and THEY caused it to go into overdraft with their fee. When I questioned it, they wouldn't even entertain refunding that to me as well. I have NO clue why, other than they were trying to charge a fee due to a pending transaction that ended up not even posting until the NEXT night.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 a hold was placed on a third party check XXXX XXXX from XXXX of {$54000.00}. Upon the check clearing funds available then My account was closed and my funds have yet to be returned. I contacted Wells Fargo several times with no avail to fixing the issue Wells Fargo 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 2022-09-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-12-04
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have an Amex which has a feature of 5 % cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers. 

I have user this Amex card paying my cellphone bill from XXXX which is a legitimate wireless telephone services in US. I have spend nearly {$3000.00} per year for last couple of years, and Amex never honor me the 5 % cash back and I have made a couple attempt to call but it never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Self Financial Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I signed up with Self Financial to build my credit score of XXXX to higher so I could be an first time homebuyer through XXXX. Self has you to pay your money and allow you to borrow from what YOU put in. Within the first 6 months of paying on time and in full, Self never reported to any Credit Bureaus within 30 days and allowed XXXX to decrease my score to XXXX. I contacted Self thinking that they were going to correct it and instead they took NO accountability and did nothing to restore my credit score. Self accounts were closed on XXXX, 2023 and XXXX, 2023. I was notified by Self a few days ago, stating that I owed over an XXXX on running interest and running card account and I haven't used that card in almost an year. They also threatened to hinder my credit score even further if I didn't pay them on this closed account. I contacted the XXXX  and made an complaint and I received another email from an so- called supervisor from self stating I owed XXXX and if I pay it they will report it to the Credit Bureaus and they will close an account that has been closed for months. I declined and received an credit monitoring alert by XXXX, that Self has reported an Major Derogatory mark to the Credit Bureaus and I owe them XXXX. Self is an extremely fraudulent company and is destroying ALOT of people 's lives and credit. They don't offer ANY credit and doing this with the consumer 's own money. My credit should've been restored by Self is intent on extorting it's customer 's based on lies. Closed accounts too. I owe them nothing, my credit should've been restored and I DO NOT appreciate Self or their threats! This Company should not have the control to deplete credit scores and continue staying in business. The XXXX has XXXX 's of complaints on Self 's illegal practices and should NOT be allowed to threatened or extort consumers. They also DO NOT report to Credit Bureaus for 60-90 days because my credit score was lowered even while in good standing and paying on time! Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX, obtained this debt because my dog became very ill. I managed to use my mothers XXXX XXXX and sign up for this a plan to be able to only pay as less as I could during that time, due to being laid off from work. I did visit ban field again and was behind on payments within the first 2 months, and I couldn't have my other dog seen because of it.

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 2023-08-31
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
Navy Federal Credit Union is not compliant with 12 CFR 1024.35 ( d ), which states, Acknowledgment of receipt. Within five days ( excluding legal public holidays, Saturdays, and Sundays ) of a servicer receiving a notice of error from a borrower, the servicer shall provide to the borrower a written response acknowledging receipt of the notice of error. 

On the evening of XX/XX/, I sent an error notification email to executive-level personnel at Navy Federal Credit Union , including the President/CEO, all members of the Board of Directors, all members of the supervisory committee, Chief Compliance Officer, Vice President of Operations and others, as it applied to multiple errors over the past year. The Error Notification Email is attached, which provides all entities that the email that was sent ( *Please note, no email undeliverable message was returned, meaning each email recipient address was a valid email address ) and the information regarding error notification provided to Navy Federal Credit Union by their consumer. 

There was no written response acknowledging receipt of the notice of error. I would like to add that the notice was received by Navy Federal, as two voicemails were left on my phone and an email after the two voicemails that stated, I am reaching out about your recent experience with our Assumption team. I was hoping to get the opportunity to discuss this further with you at your earliest convenience. I can be reached at ( XXXX ) XXXX. As a consumer, this email does not provide any appearance as a written acknowledgment regarding a notice of error. 

The maximum required time of five days has been exceeded, and Navy Federal Credit Union has blatantly disregarded the procedural requirements for responding to written information requests or complaints of errors to consumers. This continues to be a trend.

12 CFR 1024.35 ( e ) is the legal requirement that directs Navy Federal Credit Unions response to notice of error. The time limit requirement in 12 CFR 1024.35 ( e ) ( 3 ) ( i ) ( C ) is 30 days, which must be complied with no later than the close of business on XX/XX/, including the response to the notification of error as directed in 12 CFR 1024.35 ( e ), or it will result in another action of noncompliance of laws, rules, regulations, etc. that the consumer has encountered for over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Item 8 : - Account Name : XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 9 : - Account Name : XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 10 : - Account Name : XXXX XXXX XXXX. 
- Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Radius Global Solutions LLC
State: MS
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
18U.S.C 8 15U.S.C1691, 15U.S.C.1692e ( 3 ) ( FCRA ) -15 U.S.C 1681et seq the term " defamation '' means any action or commuinication that injures a person. 28 section4101 provides for pupose of a civil action for defamation.

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 2023-09-28
Company: FISERV INC.
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:
I am deeply frustrated and appalled by the lackluster response from Money Network regarding unauthorized charges on my account, which I firmly believe to be a result of identity theft. I approached them in good faith, expecting a comprehensive investigation into my dispute, yet they summarily denied my claim without apparent due diligence. This dismissive approach not only challenges my trust in Money Network as a financial institution but also raises serious concerns about their commitment to safeguarding consumers against identity theft and fraud. I turned to the CFPB with the hope of finding justice and redress, and I implore you to intervene and ensure that Money Network is held accountable for its negligence and irresponsibility. 

The following are charges I do not recognize and were unathorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a VICTIM of identity theft and every single charge mentioned was unauthorized, fraudulent, and carried out by someone impersonating me without my knowledge or consent.

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 2023-10-26
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I received a letter from the court house stating a default judgement was decided against me by the XXXX XXXX. 

I had contacted this debt collector in timely response in XXXX when I received a letter stating I owed $ XXXX to them. 

Upon contacting the debt collector the original account was assigned to an address I have never lived at and was for a creditor ( XXXX ) which I have never once had any form of account with. 

The lady on the phone did nothing to help further a resolution to this she simply asked for my current address and said they would mail me some documents and follow up with a call. None of which had happened. 

They continued, despite my dispute and request for more info, to continue a legal suit without my knowledge. They then humiliated me by filing the court case in public records, and defamed me and my credit for a debt which is in no way shape or form my responsibility. They have never gave me more info and have ignored me just to steal roll a judgement through the courts without my knowledge.

Company response to consumer: Closed with explanation