BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received my new XXXX XXXX Credit Card through Barclays Bank and activated the card on XX/XX/2022. During the activation process I was asked to confirm the phone numbers on file. One was correct, the other was not. When I stated " no '' to the incorrect phone number, I was transferred to an offshore contact center and she stated the information i provided her was incorrect ( yet it was the same information I provided through the automated system to activate my card ). 

She then had to transfer me to " security '' who also said the credit card number didn't match, even after reading it to her twice and repeating all my information twice. She then said I'd have to send in documents, in which case I told her to cancel the card. Which she said " I can't do '' because the information doesn't match, even though she could see i activated the card. 

Cancel this card per my request as I no longer want to do business with Barclays or 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 2022-07-28
Company: EQUIFAX, INC.
State: AL
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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXThis 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 XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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 have several unauthorized inquiries on my XXXX from XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I reached out to XXXX and disputed the information and was unsuccessful I also have several unauthorized inquires on Transunion from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I reached out to Transunion and disputed the information and was unsuccessful

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 2022-06-28
Company: Experian Information Solutions Inc.
State: NC
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 sent experian multiple fraud ftc id theft reports and a police report to remove negative items off of my credit report. i have been the victim of fraud and id theft. i wanted them to remove all XXXX accounts, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX accounts and they did not remove all of them. XXXX and XXXX have already done so. i need for experian to do the same because i am trying to purchase a home so that i do not become homeless in the process as i am a XXXX veteran

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 2022-06-28
Company: ProCollect, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I moved out of my apartment complex and received a move out statement about 1.5 months later. I disputed this bill and requested an investigation in writing ( as instructed by the apartment complex ) and followed up over 3 times. The complex ignored my communication attempts and sent me a " 2nd notice '' statement 131 days after receiving my initial move out statement. I then sent a certified letter once again stating my intentions at investigating and resolving the issue. The complex received, signed, and ignored my letter. 

**Please see the attached certified letter and emails for a full explanation of the situation** Four months after sending my letter, I received a call from collections ; however, I never received any written documentation from collections. 

I have two separate complaints : 1. The apartment 's calculated and purposeful lack of communication, as well as their lack of " investigation '' feedback as promised. 
2. The lack of written documentation from collections

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 2022-09-21
Company: Shellpoint Partners, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
To whom it may concern, I'm trying to find {>= $1,000,000}, that I sent to my Mortgage company Ditech. That the NO Stress Claims got me from my Insurance company, I sign the the check and send it back to them But I don't get it back. Sitting here looking at it NO Stress Claims got the wrong Mortgage company on it. I'm sending you a copy of the paper I sent to Ditech for them to send it to me in my name not my Deceased husband name, I am praying that you can please help me and my family so we can get some help with our house because I don't get it back from Ditech are Green tree are NO Stress Claims, I have been more States Since we Got involved with this company Please help us find the money

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. 

Credit collection service Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedated the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have 5 Comenity XXXX cards and have tried for 5 days to try to pay my bills. I cant log in or call the customer service line. It says a plan maintenance is taking longer than usual. I am worried about being charged a late fee on my accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXThis 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 XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX 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 2017-02-06
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage is not providing a loan pay off statement despite numerous requests. Are they not legally obligated to provide this in a timely manner. Also, they state on their website that I am charged {$25.00} every I request a payoff statement. I have requested it XXXX times. Yet, they have sent me nothing. So, they are going to charge me {$75.00} for them not doing anything?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received notification this company was trying to collect a debt from me. 

I did however, make a {$100.00} payment on XX/XX/XXXX. However, the company apparently only reflects receiving {$50.00} The representative I spoke to on XX/XX/XXXX, named XXXX, is not only hostile and unprofessional, she refuses to give a copy of my payment history, refuses to send any kind of confirmation I made a payment nor will she assist in determining why the full payment on XX/XX/XXXX wasn't posted. 

I further asked XXXX to validate the debt or supply me with evidence of my payment, to which she replied, " don't tell me how to do my job ''. 

Aside from the unnecessary hostility, why can't " XXXX '' confirm anything about the account or help with resolving the missing payment? Why can't she send me a copy of my payment history or anything about my account? 

I made a good faith effort to contact these people and try to resolve the matter and work with them, but they are hateful and apparently, inept.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Incomm Holdings Inc.
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:
I had a Vanilla Gift Card with a balance of {$30.00}. On XX/XX/22, I noticed there was an unauthorized transaction of {$29.00} from XXXX. I have never heard of this company and a XXXX search didn't come up with any information. The charge was still pending at the time I called Vanilla XXXX with the number on the back of the card. I spoke to a representative on XXXX. The representative had an accent and it seemed like a call center in another country. The representative stated he was going to issue a replacement card to me. I also asked the representative no less than 3 times if I would get back my {$29.00} and he said " yes '' all 3 times. I ask the rep if there was anything else for me to do and he stated no. 

On XX/XX/22, I received the replacement Vanilla gift card. I checked the balance, and it was {$0.00}. So, I called Vanilla ( XXXX ) again and spoke to another rep. This time the rep informed me that I needed to contact the vendor to dispute the charge and to fill out a dispute form and email it back to them. I questioned this new rep why the first rep on XX/XX/22 didn't give me this information and he couldn't answer it. The rep gave me the phone number for the vendor. I attempted to contact the vendor but was unable to get a hold of anyone. It kept going to a voice message box that was full. The rep then emailed me a copy of the dispute letter. I completed it and emailed it back on XX/XX/22 ( see attached ). I have never received a response, and this is why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX XXXX XXXX ( Account # XXXX ) are violating my rights to privacy under 15 U.S.C. 1681 section 602A. 

Equifax is allowing XXXX XXXX XXXX to furnish Account # XXXX to my credit report without my written permission. I have never heard of XXXX XXXX XXXX or signed a contract that granted them permission to furnish an account to my credit report. 

I contacted the company listed as the original creditor, XXXX XXXX, and have not gotten any response from the company about the alleged debt despite calling several times. I also sent a follow up email that did not get a response. ( please see attachment # 1 ) When I disputed the account and asked Equifax to conduct a full investigation ( attachment 2 ), they stated that it was properly investigated. However, when I requested the method used to verify the debt ( please see attachment # 3 ), they did not respond. I was not provided the business name, address or phone number of any furnisher that was contacted for the debt they reported as verified. 

Under FCRA 611 ( a ) ( 6 ) ( B ( iii ), a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

Equifax and XXXX XXXX XXXX are using Account # XXXX to not only violate my rights but to bring hardship on me and my family during a national emergency. Please end this abuse by removing this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX XXXX Synchrony Bank XXXX said they didnt receive my payment. Which was a lie. So I made a second payment. They posted the second payment and then XXXX minutes later posted the original payment. Which created a double payment. Which created a credit balance on my account. I told them to send me a check for the credit balance ( XXXX ) and they refuse. This is illegal. I am turning to you, Consumer Finance Gov to help ME get MY money back. This is a nighmare.

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Ive been disputing these accounts because not only they are inaccurate they violate my Hyppa rights Please note that I have not given prior consent to no medical facility to give my medical information to a third-party agency please have the credit bureaus properly verify and provide The original contract with my wet signature stating that we agreed to those terms and agreement with me and XXXX XXXX XXXX  And to please provide the medical Hyppa agreement stating that I gave permission to the medical facility to give my information to a third-party agency Name 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 2022-06-28
Company: Experian Information Solutions Inc.
State: NC
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:
We disputed an inaccurate collections account on all XXXX of my credit reports. XXXX and Experian quickly removed the disputed collections from my report. Experian refused to remove from my report and would not discuss the matter with me by phone.

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 2015-11-12
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive calls from this number daily at different times. Was getting voice messages about speaking with a XXXX XXXX and where they can find this person. Recently these have been automated calls asking me to hold and someone would speak with me. The hold time is over 2 minutes and no one answers. These people have been informed that I do not know this person and this number is registered on the National Do Not Call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Rocket Mortgage, LLC
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: Account status incorrect

Complaint:
I I originally wanted deferred payments due to coroanaviris. I thought about it and it would ruin my credit. I called quickenloan to remove it and made a effort and paid my mortgage. I tried to refinance for a lower rates and they told me Quicken loan had me on deferred payments.I told them to remove that from my credit. They said they would. They did not Twiice they did this to me. 
Quicken loans has ruined my credit during this uncertain times and scary times. I have always paid my mortgage each month and been withQuicken loan for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: MD
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:
I am a consumer by law and my information was misused and now I have false information, not 100 % accurate accounts on my credit report. All being unauthorized use of my credit report.

Company response to consumer: Closed with explanation