BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: Southwest Business Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two mortgages with SWBC, both adjoining properties. In XX/XX/2021 I noticed that my escrow payment per month has doubled. My property taxes did not double. Indeed, working with SWBC I was told in XXXX that both my property tax bills were assigned to both properties, thus each property is receiving two tax bills when they should only be receiving 1. Thus I am overpaying escrow by double each month, since XXXX. I have been in contact with SWBC in trying to resolve the matter, but each month they say they have fixed it and each month it is not fixed. I recently received a sizeable escrow overpayment for my first half property tax bill from my city.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: PA
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records I, therefore, request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Name : XXXXXXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Accounts : XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX Balance : {$650.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$1100.00} ; Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: RI
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 these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Bank # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Bank # XXXXXXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-06-25
Company: BARCLAYS BANK DELAWARE
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: Card was charged for something you did not purchase with the card

Complaint:
Please edit the prior. XXXX opened a credit card for me with Barclays without my permission. I didn't get the card. Someone then charged on XXXX days, XX/XX/XXXX and XX/XX/XXXX {$64.00} on the card. Barclays won't share the account number or the statement with me. They emailed me to pay the bill. I can't pay online without an account number, so I called them. That's when I learned that these don't match any purchase that I made with XXXX XXXX or XXXX, as my last order was on XX/XX/XXXX for {$40.00}.

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 monetary relief
Consumer complaint received 2022-06-25
Company: BARCLAYS BANK DELAWARE
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:
On XX/XX/2022, I filed a dispute with XXXX about an authorized user account of mine that had been closed and charged off, by Barclays Bank Delaware. However, despite me telling them that I was not legally responsible for this account, they did not remove it from my credit report. On XX/XX/2022, I filed another dispute, emphasizing to them that they were legally obligated to remove it from their credit report, but on XX/XX/2022, they returned the results of the dispute with the same description : " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. '' However, this is not my account. I am an authorized user. 

I have tried asking Barclays to remove myself as an authorized user, but they need the primary user 's permission to be able to remove myself as an authorized user. The primary user is unwilling to call them to do this, as they are currently in a lawsuit with Barclays. 

I have also tried telling XXXX on the phone about my situation and asking them why they can't remove this error on my report, but they keep telling me to file a dispute with them, but I have done that twice with no resolution. 

I will be disputing with XXXX once again today at XX/XX/2022 to see if I can have some type of resolution, but I doubt they will have a different response as before.

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 2022-06-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
At the end of XX/XX/XXXX, I called up Macy 's customer service to ask for balances on 2 gift cards that I had not used for a while. I was given the amounts and told that the cards were put in suspension because of lack of use. They advised me that if I provided contact information and copies of both sides of the gift cards, that they would unfreeze the cards within 30 days. I provided this information on XX/XX/XXXX via email which Macy 's acknowledged. On XX/XX/XXXX, I again called ( XXXX ) in customer service as my gift cards were still frozen as of that date. I was told to again submit the information that I had done previously and received a confirmation of receipt from Macy 's indicating that they will review the data and process accordingly. On XX/XX/XXXX, my cards were still frozen so I talked to XXXX in the Resolution Specialty Department at Macy 's who had me resubmit the information again and who specified my cards would be unfrozen by XX/XX/XXXX and that she would make a point of calling me back that date to verify it. She has not called me back. On XX/XX/XXXX, I spoke with XXXX in customer service and she again told me to resubmit the information that I had already submitted 3 other times. She advised nothing can be done without this submittal. I advised her that I will take it up with the appropriate government agencies since I could not understand how a worldwide known corporation such as Macy 's would not have the ability to put in place procedures that would comply with the laws of California. As more and more people use gift cards rather than cash, this is virtually stealing from those who buy their gift cards.

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 2022-11-28
Company: Stellantis Financial Services US Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
To whom it may concern I made an uniformed use of credit when I entered into a consumer credit transaction with XXXX  on XX/XX/2021. The contract/agreement was not easily understood or explained. The information in the contract was not clear or conspicuous. I rendered the vehicle due to the annual APR being 21.99 % and it being charged off. The debt was originally paid for by my social security number ( credit card ) Then when the loan defaulted it was paid for by insurance and the premium. With the account being charged off I have written numerous letters asking for the company to send proof of the loss. I also asked for who the debt was sold/assigned to. This company has a history of theft and misuse of consumers credit profiles. They have violated my consumer rights by furnishing my personal information to third parties. According to 15USC1692d. This collection agency/lender whoever they choose to call themselves have used obscene and profane language also threatened to furnish this debt to ANY and ALL CRAs without my permission which is a breach of my privacy and an infringement upon my rights to privacy. They have caused irreparable harm to reputation by furnishing my private consumer credit transactions with third parties. The vehicle has been turned over. I have asked numerous times for this company to return all payments made and remove the information from my credit report. This company practices including loan sharking, predatory lending, usury and bullying.

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 2022-09-20
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent the attached documents to verify debt. Creditor has not provided. Also sent attached letter to all credit bureaus and XXXX has been the only one to fail to respond and take action. Allstate  never followed Fair Credit guidelines. Still not following.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting 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 below have violated my rights. 

XXXX XXXX # XXXX, DEPTEDXXXX # XXXX ( balance {$7700.00} ), DEPTEDXXXX # XXXX ( balance {$22000.00} ) 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 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 explanation
Consumer complaint received 2018-05-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX WAS NOT REMOVED FROM XXXX ... .AFTER SUBMITTING SUPPORTING DOCUMENTATION ... IT WAS REMOVED FROM THE OTHER BUREAUS AS REQUESTED. ALSO THE CREDIT CARD BALANCE FOR THE XXXX XXXX XXXX CREDIT ACCOUNT WAS NOT UPDATED AS REQUESTED AND IT IS BEYOND THE 30 DAYS FOR THIS INFORMATION TO BE UPDATED. PLEASE SEE SUPPORTING DOCUMENTS TO UPDATE CREDIT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I dont know where this debt came from never got a call or letter in the mail. It just popped up on my credit report. I sent a letter stating that I looked their license up to verify if they could collect a debt in Illinois and they couldnt do it so it needed to be removed immediately. Nothing happened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 2020-04-16
Company: Unique Management Services, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dated on XX/XX/2020. {$94.00}. Due to COVID-19, the community has been authorized waived fees for materials. During this time credit scores are impacted due to management processes and several notifications and calls have been made to communicate with library staff.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX knowingly engaged in predatory behavior. XXXX XXXX also knowingly violated the Fair Credit Reporting Act by providing innacurate information related to Hard Inquiries, number of accounts & age of credit history

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 2023-11-15
Company: VYSTAR CREDIT UNION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I did a balance transfer from a higher rate card to my Vystar credit card in the amount of {$4300.00}. I was charged a fee of {$120.00} for the transfer. There was no notification on the website that I would be charged this fee and the transfer was submitted successfully. I noticed a couple days later the fee was assessed and I immediately contacted Vystar. The representative advised me the transfer fee policy was implemented back around XXXX. He was unable to waive any part of the fee and escalated the call to a manager. I spoke with the manager, ( didnt get her name ) but she said she would have it sent to another area and contact me the next day, ( XXXX ). I never received a call back. There was no proper disclosure of a fee that would be imposed for the transaction or I would have never initiated the transfer. I searched the website and the only indication of a transfer fee was on the main page for credit cards and the features of the credit cards offered by Vystar. I did a transfer previously, ( many months ago ) and the fee was not assessed and I feel the fee should be properly disclosed to the customer in accordance with their new fee policy structure.

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 2018-05-25
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mortgagee has collected extra principal payments and placed them into a " suspense account ''. The amount they have is different then the information they provided in writing and different then the amount I show too. They sent me a sheet showing payments but not the payments to the suspense account. I really dont understand a lot of this and need some help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Experian Information Solutions 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:
There are accounts on my credit report that aren't mind. Please remove them.

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 2022-11-28
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
on XX/XX/2021 {$250.00} was sent to an indidvual for " apartment deposit '' through venmo. Since moving out tof the property the deposit of {$250.00} has yet to been returned/refunded to my client. After signing the roommate release form, I then consulted with a tentant lawyer that practices in Utah. I have tried multiple times to receive these funds back -- by submitting a fraud report, contacting the indivdual to get the funds back but was told she had spent them and wouldnt be returning the funds. Venmo and this indidvual are making it BEYOND difficult to receive the funds that are owed to me. I will be submitting a police report and a law suit against venmo for their lack of protection with MANY transactions that I have been fraudlently charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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: Reporting company used your report improperly

Complaint:
I have sent a debt validation letter to XXXX XXXX and each time the company has failed to validate my debt. Instead the send a list of my medical records, which i know is a direct violation of the HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete all this information from my credit profile and cease all collection activities immediately. 

XXXX XXXX accounts {$130.00} and {$950.00} Transunion- XXXX account {$950.00} XXXX- XXXX account {$950.00}

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 non-monetary relief
Consumer complaint received 2020-04-16
Company: Experian Information Solutions Inc.
State: NY
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:
THE INQUIRIES LISTED ARE NOT AUTHORIZED BY ME. THESE INQUIRIES ARE REPORTING WITHOUT MY KNOWLEDGE AND THEY ARE DUE FOR REMOVAL.

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 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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