BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Since XXXX of XXXX I was put on a payment plan with Barclays due to financial hardships. My payment amount due is XXXX per month on the plan. Every since I have been on the plan I have been having payment issues with Barclays where two payments have been taken out for a couple of months and then one payment had to be returned for that month. Instead of the incorrect payment being back out it was deducted from the monthly payment amounts which then reflected the incorrect payment for that month. The XX/XX/XXXX statement and XX/XX/XXXX statements have my total payments as XXXX when it should be XXXX for both months. This means XXXX of my payments for both months was not recorded. I am owed XXXX in payments. Where did that money go? I am afraid I will keep getting cheated out of my payments every month.

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 2017-09-13
Company: EQUIFAX, INC.
State: MD
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 was the victim of a large scale data breach that resulted in my and others identity and other information being stolen. This is due in part to gross negligence on their part in the realms of consumer protection and information security. Because of this negligence millions of people have been compromised and will likely suffer a great deal of hardship, all of which was entirely avoidable if proper attention was placed on safe guarding consumers and their data.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Firstsource Business Process Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2020, {$1000.00} due for hospital charges not covered. I spoke with a XXXX at One Advantage, LLC. after receiving a notice there was a debt of {$1000.00} from the hospital that was due. I informed her that I was never sent a bill from the hospital about the remaining balance and that I wanted to make payment arrangements because I didn't have that kind of money upfront. I told her that I was paying other medical bills to the same hospital for the same date of service and that this was never on those bills. The most I could pay would be {$50.00} a month. She said that was not an acceptable amount and that is probably why I didn't get a bill for this balance because the lowest amount they would accept would be {$200.00} a month. I told her I had XXXX kids and could not make that type of payment. She stated " that's nice you have XXXX kids, you need to use your tax return to pay off the balance. '' I stated that was not going to work as I had other obligations and that was inappropriate she even suggest. She said well if I want to send the {$50.00} in they would not refuse it but that if the balance is not paid off in six months they could sell the account to another agency and that agency may charge interest and it would mess up my credit. I asked her about interest being charged on a medical bill and she stated some agencies charge interest and that it would be in my best interest to pay them off quickly before they sold it to another company that would charge interest on the balance due. I made the {$50.00} payment, as that is all that I have, but I called the hospital and they confirmed they don't charge interest on medical bills. At this point I don't know who to believe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: SYNCHRONY FINANCIAL
State: NY
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:
SYNCB/PAYPAL, Inquiry : XXXX XXXX, 2020 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was going through my credit report and I noticed that my auto loan with Toyota Motor Credit was reporting late. I had my payment automatic set for the amount that was set by the dealership and the bank that finance my Toyota. However, there were discrepancies on the monthly payment and I was not receiving the statement from the bank for the exact amount. Therefore, I was shocked when I reviewed my credit report and found late payment on the dates below : From XX/XX/XXXX - to XX/XX/XXXX - Please remove those late payments! 

I am not sure how these happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 happened to review my credit card with a financial adviser and I noticed these hard inquires that I have no clue of. We tried calling some of these places with no luck. They transferred us from one location to the next. Here is the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-06-13
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
on XX/XX/XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX contacted my husband ( XXXX XXXX ) about an old debt in my name ( XXXX XXXX ) and had his social security number. XXXX XXXX said they would be serving court papers and a lien would be placed on our house but that my husband could pay {$1000.00} over the phone to stop the process. My husband said he needed to speak with me first. I contacted XXXX XXXX, who told me the original debt was over {$400.00} dollars from TD Bank XXXX, but that now with fees it would be over {$4000.00} if we went to court. He said they would be serving me court papers on Thursday. I told XXXX XXXX I did not ever owe TD Bank XXXX  that amount and that I had disputed a smaller amount back when I had the account, prior to XXXX. He said they would be serving me court papers. XXXX XXXX hung up on me, then 15 minutes later contacted my employer and asked for the physical address, telling the secretary they would be serving me court papers on Thursday. He then called and left another message on my voice mail. I did not acknowledge the debt, nor have we received any written correspondence in regards to this debt. I have not had an account at TD Bank XXXX in more than 13 years. His number is XXXX ext. XXXX. He said my case number is XXXX. I believe the statute of limitations for old debt in my state is 6 years and that XXXX XXXX is trying to scare us into paying money we do not ( and have not ever ) owed. I also pulled my credit report from XXXX to make sure I hadn't overlooked anything and there is no mention of this debt to be found on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today is XXXX XXXX, 2017. Last week I checked online with XXXX to find out if my info was breached. The response was that it may have been ( a yes or no would have been helpful ). Today I attempted to place a credit freeze with XXXX, Experian and XXXX by phone and online. They were unable to process my request. 

Their industry created a potentially big problem for me but they are not allowing me to protect myself.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today is XXXX XXXX 2017. Last week I checked online with XXXX to find out if my info was breached. The response was that it may have been ( a yes or no would have been helpful ). Today I attempted to place a credit freeze with XXXX XXXX and TransUnion by phone and online. They were unable to process my request. 

Their industry created a potentially big problem for me but they are not allowing me to protect myself.

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 2017-09-13
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no affiliations with the National Credit Systems, so they must herein provide a true and certified copy of the complete audit trail of said account. Furthermore, to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate! I also request that all documents sent via U.S.P.S.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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:
I n accordance with the Fair Credit Reporting act U.S. Bankruptcy Court XXXX XXXX  account # 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 2021-06-10
Company: EQUIFAX, INC.
State: GA
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 recently filed a report with XXXX XXXX and Equifax of inaccurate items being reported on my credit reports. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Support Collectors, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2013 {$180.00} I am currently disputing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint of OCWEN LOAN SERVICING, LLC Property sold address : XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX sold a jointly owned property on XXXX/XXXX/2017. Sale price was {$630000.00} and mortgage balance of {$320000.00}. Ocwen XXXX XXXX withheld {$570000.00} from the sale of the property instead of the remaining mortgage balance of {$320000.00}. The balance was adjusted due in part to a modification and Form XXXX was issued to us. We had to file the forgiveness of debt amount as income on our federal and Massachusetts income tax returns. Ocwen Loan Servicing, LLC added back the forgiven amount back to the mortgage balance. Instead of receiving {$310000.00} from the sale amount of {$630000.00} we only received {$24000.00}. 
We are asking the Attorney Generals office to assist us in getting Ocwen Loan Servicing to refund us the balance of {$290000.00}. This amount represents the difference between mortgage balance and the amount paid to us of {$24000.00} received from the sale of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, 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:
This is my 2nd 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 wrong doing. 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 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 response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Upon learning about the Equifax security breach I and doing research on my options I decided to try to freeze my credit at all 3 credit reporting institutions. 

It 's already bad enough that every adult in the United States has to assume that their information has been compromised and that we all have to worry about a heightened risk to identity theft. 

The issue is that I ca n't get my credit frozen at ANY of the 3. As of today, which is Wednesday, XX/XX/XXXX, I have tried to freeze my credit online and over the phone at all 3 major credit institutions. I 've run into issues ranging from websites being down, to automated messages saying that my information could n't be verified. 

We need a central agency that can handle this kind of thing like a professional, because it 's clear these amateurs ca n't. 

It 's despicable that these agencies are now trying to sell their credit " locking '' services in which they are charging compromised consumers money for THEIR mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
penfed credit union have in corrected on my credit report i owed this company not anything please have penfed to corrected that balance on on my account # 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 2022-06-13
Company: WELLS FARGO & COMPANY
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission. I have NOT given that authority to XXXX XXXX.

15 USC 1666 ( B ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-06-13
Company: Experian Information Solutions Inc.
State: FL
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 Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # 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 explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, 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:
Equifax has through gross negligence, leaked millions of social security numbers, dates of birth, and driver 's license numbers. These are things that can not be changed, so anybody who has access to this info can potentially steal my identity at any point in time. Beyond this, Equifax refuses to properly inform people who have been affected. Even their online system has been shown to randomly tells you you are affected or not. Now, to protect your credit, every person has to pay for a credit freeze and unfreeze and refreeze their credit every time they need to open a new account. With fees up to {$10.00}, a family of four stands to pay {$120.00} to freeze our credit and then each of us will need to pay {$60.00} to unfreeze and refreeze each time up apply for credit.
The following should be done : 1. Mandate Equifax to inform every affected customer by postal mail.
2. Make credit freezing and unfreezing free at all 3 bureaus 3. Based on the gross incompetence they have displayed, Equifax should not be allowed to maintain consumer credit information anymore. The other two agencies must have high security requirements mandated on them including periodic penetration testing and ethical hacking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Account Was Deferred/Extension Granted For 2 Months ( XXXX XXXX, XX/XX/2022 ). 
However, I Notice 1 30 Day Marking On XXXX XXXX  While Extension Was GRANTED. 
I Did A Dispute w/Experian, XXXX + XXXX. 
Experian Has Now PUT XXXX & XXXX XXXX 30 Day Mark Dispute Results : Remove ONLY XXXX But Added XXXX. Month Of XXXX Pymt Was NOT Even Due. 
Contacted Creditor XXXX XXXX XXXX, Senior Account Specialist Stated They Were Unaware Of Any Chge And Stated To Contact Credit Bureau. 
XXXX 30 Day Marking XXXX XXXX  XXXX 30 Day Marking XXXX XXXX  I Sent Documentation From XXXX XXXX XXXX - Deferment/Extension

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