BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-01
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A hard inquiry was submitted on my XXXX credit report BARCLAYS BANK DELAWARE requested X/XX/2017 with my home address. I called the business talked to a representative I gave her my name and my last four digits of my ss # and she said she could n't find it with that information that she would need my full ss # at this point I was afraid to give that much information. I have not applied for any loan or credit card and am unaware of this particular bank or business. This is a fraudulent inquiry that I have not requested.

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: Colony Brands, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received bills demanding payment from 7th Avenue and Montgomery Ward which tell me that my credit report WILL show a negative rating unless they receive my payment by a certain date. The most recent statement demands {$60.00} by XX/XX/22. The letter states : " Every month we report the negative information on accounts to the three major credit reporting agencies, XXXX, XXXX and XXXX. If you want your credit rating to be positive, you need to send your payment. If we don't get your payment in time, your credit report will show a negative rating. A negative rating can have potenially bad consequences, including : Inability to get a CAR LOAN ; refusal of a JOB, Inability to get a HOME LOAN, Inability to RENT HOUSING. '' I'm not exaggering " car loan, '' " job, '' " home loan '' or " rent housing '' as the letter actually shows capitalized letters. 
I have contacted the company multiple times to ask for help with the account and explained by situation each time, but they have refused any assistance when I was unable to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was checking my credit report and came across this collection on my credit. I was not notified or given the right to dispute the balance ... The last balance was XXXX and they are reporting XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: CITIBANK, N.A.
State: CA
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, 2022, I purchased an item from Bloomingdale 's which I never received. I notified the store which they deny that I ever did. Starting in XXXX, I sent emails and notes inside the bill. I told them I didn't want to pay for an item that I never received. Over time, interests and late fees piled up to almost three times the amount originally charged. Someone did drop one or two late fees, but that isn't a resolution. I have spoken to various individuals over the past months and have been yelled at, insulted, told I was lying, and have been denied resolution. I am sorry that I didn't write down dates of these phone contacts, of which there are many, but that never occurred to me.

Bloomingdale 's closed my account and denied a refund from the department where I tried to purchase the item. I am harassed for payment at least four times a week and have been told that my situation is 'just too bad. '' this is so stressful, that I have to pay for an item that I never received and have to be continuously harassed about payment. Further, they have ruined my credit. Please help 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 monetary relief
Consumer complaint received 2017-09-01
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
i made the following complaint with CFPB earlier. responding to the complaint, american express credited me half of the charge i am disputing. they gave me credit of {$150.00}. but left the second charge of {$160.00}. 
i brought 3 tickets on XX/XX/XXXX, the airline charged me 6 charges for the 3 tickets brought, separate charge for each way ticket, so 2 charges for 1 ticket. so each ticket was {$330.00}, agent charged {$44.00} commission separately for all 3 tickets. 

american express is saying that the whole ticket was only for {$150.00}. 

XXXX XXXX - XXXX, CA {$44.00} XX/XX/XXXX XXXX - XXXX XXXX, FL XX/XX/XXXX XXXX - XXXX XXXX, FL {$160.00} XXXX - XXXX XXXX, FL XX/XX/XXXX XXXX - XXXX XXXX, FL {$160.00} XXXX - XXXX XXXX, FL XX/XX/XXXX XXXX - XXXX XXXX, FL {$160.00} XXXX XXXX XXXX XXXX XXXX - XXXX, GA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, GA {$150.00} XXXX XXXX XXXX XXXX XXXX - XXXX, GA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, GA {$150.00} XXXX XXXX XXXX XXXX XXXX - XXXX, GA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, GA {$150.00} XXXX - XXXX, MA XX/XX/XXXX I brought a XXXX XXXX airline ticket using my American express credit card for my dad. on the departure day, we went to the airport so my dad can take his flight. but the airline refused to issue him a boarding pass and never let him take the flight. so he could not use his tickets. I reached out to American express to resolve the dispute and get my money back. American express asked me to provide a written explanation of event and what happened. I provided the written letter 3 times now to the American express but every time, American express close my case without resolving it telling me that I never provided the written letter. every time I upload the docs to American express site, I reach out to American express and verified that they did received my letter. now after 4 months, the issue has still not been resolved and I am being billed again.
there were multiple disputes opened by american express because of multiple charges. one dispute is for part payment resolved and credited, but second dispute for part of payment is closed without any resolution. please also resolve the second charge. 

attached is the ticket copy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-04
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was in the process of changing banks from XXXX XXXX XXXX XXXX to XXXX XXXX and ran all the money out of the XXXX XXXX account only to find that the credit card associated with that account incurred a {$2.00} charge I believe for not being used. I called XXXX XXXX and they were unable to take a payment for this over the phone and so I attempted to transfer money from my XXXX XXXX account to the XXXX XXXX account but unfortunately this took a good amount of time ( I want to say 10 days ) and this {$2.00} caused a late payment and dropped my credit score by over 100 points. The money was transferred and payed on XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
Earlier this year I noticed a XXXX XXXX account on my credit reports, negatively affecting my score. I have never had a credit card with this bank, and it was eventually removed. about two months ago ANOTHER fraud account from XXXX XXXX XXXX appeared. I never authorized an account with this bank, they dont speak english they harass me every day 20 calls a day. I also had a fraud alert which they ignored and opened another fraud account. I never spoke with this bank and allowed them permission to access my account, and there is another inquiry from a few days ago. I have sent fraud papework and never hear back from them, when you call there is nobody who can understand you and all they say is pay bill. I am tired of this company doing whatever they want

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 2022-07-19
Company: ZWICKER & ASSOCIATES
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi my name is XXXX XXXX. I am writing to report the unfair practices of Zwicker and associates XXXX. It has been over a year since I have requested information about my XXXX Account. Each time the company has asked me to write an email to a manager or to call back within a week. I was even working with a debt relief agency and Zwicker never responded to them to confirm the debt or to provide details on how to resolve this issue. During the last 3 months I have called repeatedly to inquire about this debt. Each time, I am told that the account is on hold and the specialist can not discuss details of the account because they are not an attorney. 

I need Zwicker to validate this debt in writing and give me the opportunity to pay it off. I must resolve this debt so my family can purchase a home or find housing in general. Due to this issue not being resolved, my process has been delayed and now my family and I live in a XXXX  to avoid being XXXX. 

Please help as this has caused my family a lot of pain and stress. I am not trying to negotiate a debt. I just want to know what is owed so I can pay it in full. They dont have to negotiate with me, but they must allow me to pay the debt. This practice is u fair and unjust. The debt assistance program and loan officer are baffled by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
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:
I am in the process of purchasing a home. I have many errors on my Experian Credit file. I have been disputing them with Experian for 4 months and with absolutely no results. They have my Driver 's license, utility bill and social, yet they just sent me a stall letter stating that they received a suspicious request after I filed a failure to respond to my disputes. There is nothing suspicious about my disputes and they are in compliance with the Law of the FAIR CREDIT REPORTING ACT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17
Company: The Bureaus, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I get calls daily, from collection agencies and they are not allowing my credit score to go up. I am affected in such a negative way that I am willing to file bankruptcy. This is not fair the attack I feel daily. I dont even want to pick up my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 went to check out a new car at XXXX after careful consideration I decided to apply for a loan for the car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. I have reached out to the FTC and to my local police department. XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX AND XXXX XXXX. I am doing all of this on my own.

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 2022-07-19
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This dispute is with PayPal. They are holding over {$40000.00} from me for the 180 day holding period with no reasoning. They also are allowing customers to file a claim and are not allowing me to provide proof of delivery of items purchased. They are simply awarding the money to the customer without any rebuttal from my business. 

PayPal is unfairly holding money from me and I am asking for its release.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 have been trying to get this issue resolved with Capital one, however they keep on reporting that I have a credit card with them with the balance of {$14000.00}. I have contacted them on multiple occasion advising this is not mine and I'm a victim of identity theft, however they are not doing anything. I have provided them with police report and still nothing has been happening. This has caused me loosing a job and not being able to find a new one. I really need help getting this removed from my credit, as this belongs to someone else. I have frozen my credit and there are several alerts on the report. Additionally there is another company that's keep showing up on my credit report XXXX XXXX, this is also not mine and I have contacted them on multiple occasion but nothing is being done. Also XXXX XXXX is not mine however it seems like they are not willing to address the fact that I am a victim of identity theft. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Experian Information Solutions Inc.
State: LA
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 've contacted Experian numerous of times trying to get things solved and nothing is happening. I have the following inquires sitting on my credit report that I did n't authorize. 
1 XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXXXXXX ( XX/XX/XXXX) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX (XX/XX/XXXX ) 7 )  XXXX XXXX. (XX/XX/XXXX ) 8 ) XXXX XXXX XXXXs (  XX/XX/XXXX ) 9 ) XXXX ( XX/XX/XXXX 10 ) XXXX XXXX (XX/XX/XXXX) 11 ) XXXX XXXX (XX/XX/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 2017-09-01
Company: Professional Debt Mediation, 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: Public record information inaccurate

Complaint:
I called XXXX after noticing that Professional Debt placed a chapter XXXX comment on my credit report.Since I have never filed a chapter XXXX I requested XXXX to remove this incorrect information. They refused.I need this company who I do n't really know to tell me who or where they got this information from then remove it from my credit report

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX sent in disputes letters and file on cfpb and I have not had a response by mail from XXXX, XXXX nor TRANSUNION. I don't understand what's been going on with my claim but I want a response please by mail. Each account needs to be deleted due to the fact that I have not heard anything about the initial disputed items from the report.

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 2019-11-04
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: Account status incorrect

Complaint:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX never late XXXXXXXX XXXX never late XXXX XXXXXXXXXXXX XXXX   XXXX XXXX not mine XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX {$980.00} not mine XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX   XXXX {$430.00} not mine XXXX XXXX XXXX XXXX {$970.00} not mine XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized

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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix and update the following accounts from my Credit Reports : 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 2021-02-20
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. Also waited the 180 got the email saying my funds are available but still i hace call and they just keep giving me the run around My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: KY
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX sent in disputes letters and file on cfpb and I have not had a response by mail from XXXX, EQUIFAX nor XXXX. I don't understand what's been going on with my claim but I want a response please by mail. Each account needs to be deleted due to the fact that I have not heard anything about the initial disputed items from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Experian Information Solutions Inc.
State: CA
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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