BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: NJ
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 have previously requested verification and validation of a negative item listed on my credit report. The result of the investigation did not produce any documentation requested and required to support their results. The collection company also responded without providing what was requested ( a copy of their response is attached ). If this is what was used to VERIFY and VALIDATE this item then they, the credit bureaus and the collection company are in violation. No contract was produced and a one page copy showing a " balance '' is not enough to validate an alleged debt or accurately produce verification. I am enclosing copies of my recent requests to the credit bureaus and the collection company with this complaint as well as a copy of their response.

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 2017-07-01
Company: Pendrick Capital Partners Holding, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They are not licensed to collect in my state. They called me and sent letter without being able to collect in Nevada. This is a violation of numerous laws including our state fdpca and deception laws in Nevada. Please see attached lawsuit and proof of letters they sent me and letters I sent them. Proof of certified service etc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: LA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
unable to access account ... & change password ... email response arrives NEXT DAY even though it ( authorization code ) was requested the day BEFORE ( ten minutes to respond is NOT being followed by BARCLAY ... this has been/is an ongoing problem

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 2021-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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 was KOHLS/CAPITAL ONE customer since 2017 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced 'paid in full ' account. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit reports. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2020-08-31
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt CONVERGENT OUTSOURCING # 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 2021-08-15
Company: Square Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a cash app debit card in the mail on XX/XX/14 but I do not have a cash app account so know it is fraud. I called what I believe is their customer service but many sites say they do not have customer service # so not sure if the # and callback I received is another part of scam. The # is XXXX. The only info I gave them was my email, they did email me mins later and asked for a lot more info to investigate the fraud but that could be part of scam as well so I am just not responding. I just wanted account closed. I did shred card. The email is from XXXX but afraid more of the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello Sir / Madam, I have a XXXX ( XXXX ) Mastercard credit card supported by XXXX XXXX ( XXXX ) since XX/XX/2015 with a high credit limit. I use XXXX XXXX  / XXXX  online payment to setup payments of the outstanding monthly balance IN-FULL for the XXXX / XXXX XXXX credit card and did not have a single late payment situation. In fact, have used the XXXX / XXXX service for over 10 years with no incidence of late payments with this credit card or any other payments made via the XXXX/XXXX setup. 

Problem : Bogus late fee and financial charges levied for large balances About 4 months ago, besides the smaller transactions, I made a large purchase that bumped up the outstanding balance to over $ 10K. We sent the FULL payment as we always do, but this time, the XXXX XXXX fraudulently failed to credit the payment in a timely manner even after they received it on time. They charged me a late fee and a financial charge. I contested the issue and they agreed to refund the late fees as well as the finance charge. 

Last month, I again made a purchase with the XXXX  / XXXX XXXX   credit card that pushed the outstanding balance to over 10K again. Given the experience of 4 months ago, I scheduled the payment two days prior to the usual date. Lo and behold, I found that the payment was credited late to my account. They fraudulently charged me a late fee ( {$27.00} ) and and a finance charge ( {$150.00} ) for a two day delay. I disputed the late fees and finance charges. I even provided the bank with evidence that the money was sent and payment debited from my bank account 4 days prior to the due date. First off, one agent told me that I should send payments 15 days before the due date. I found that very absurd because I sometimes receive the paper bill less than 15 days before the due date. 

I opened a dispute with them. After having reviewed the evidence I provided, the XXXX XXXX agreed to refund the late fees of {$27.00}. However, they refused to refund the finance charge ( {$150.00} ). I find this charge outrageous since they accepted that I had sent the payment on-time and they even believe me so agreed to refund the late fees. The bank also claimed that this was a second instance of late payment so they can't help me any further. 

Strangely, this late crediting of payment only occurred for large payments and not for any other months. I called XXXX  and received no help from their customer service. They washed their hands off and directed me to the XXXX XXXX customer service. I get the feeling that they are somehow working hand-in glove. Can you please investigate XXXX and XXXX XXXX for illegal and consumer unfriendly practices? 

I wonder if other banks are also doing the same to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: PRIMARY RESIDENTIAL MORTGAGE
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied and was approved for a mortgage loan, paid earrnest money, had inspection and appraisal done, and had the closing date scheduled. About a week before the closing date we were informed that there is a lawsuit involving the XXXX XXXX company and the property we were set to purchase and that we would not be able to make the purchase until litigation is settled. The XXXX XXXX involved in the lawsuit will not divulge to me the nature of the lawsuit nor when litigation will be finalized, nor to the mortgage lender attorneys. my wife and I have placed our belongings in storage and are forced to stay at a relatives home. this lawsuit has been ongoing since XX/XX/2019 with no end in sight so I was obliged to cancel the transaction.

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 2018-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I contacted Transunion customer service because I have been a VICTIM of their inquiry issue would not help and take care of the negative inquiries reporting to your credit report. 


XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-04-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The following are inaccurate and incorrect account reports on my Experian credit report : 1. The XXXX XXXX report that states that I was 30 days late in XXXX & XXXX XXXX. This is not correct and it is inaccurate! I maintained my payments with XXXX XXXX even when I was part-time employed and called to make arrangements in the case of any financial hardships but it was not a 30 days past due. 

2. On the XXXX account, I contend that I was not 30-days past due in XXXX, XXXX. 

3. XXXX account is incorrect ; it indicates that I was 30-days past due in XXXX, XXXX, XXXX and XX/XX/XXXX. I contend that this information is incorrect. 

5. XXXX XXXX XXXX account states that I was 30-days past due XXXX thru XXXX, XXXX. I assert that this information is inaccurate. 

6. XXXXXXXX XXXX ; I am not familiar with this account. ( If account is tied to XXXX XXXX, then I this account should be marked as PAID/SETTLED. 

7. XXXX account states that I was 30-days past due XXXX, XXXX XXXX, XXXX. I state that this information is inaccurate and incorrect. I have a payment agreement with XXXX  that dates back to XX/XX/XXXX. ( See attached payment arrangement ). In addition, I made on-time payments for the months of XXXX thru XXXX, XXXX. Although I complied with the payment arrangement XXXX  not only reported to the credit bureaus that I had not paid, but continued to add interest and late charges. I have attached a copy of XXXX and XX/XX/XXXX payments to this complaint. 

Therefore, I contend that the inaccurate, and unfair information contained in my credit report by this agency is in violation of the Fair Credit Reporting Act, 15 U.S.C., Section 1681. In addition, I state that Section 4021 of the Coronavirous Aid, Relief, and Economic Security ( CARES ) Act, XX/XX/XXXX, " furnishers must report credit information for consumers receiving an accommodation during the " covered period ''. 

XXXX XXXX email : 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 2017-10-23
Company: RGL Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX XXXX pm, I received a recorded phone message that stated it was for me and then continued to discuss information related to their business with me, stating that they would recommend action against me, etc if I did not respond. I pushed " XXXX '' to speak with a person to get their contact information to send a CEASE AND DESIST letter. The lady who answered was very rude and refused to identify herself nor the company. She hung up on me once I tried to get the address. She also had such a horrible attitude with me and asked " Who do you think you 're talking to? '' at one point. I contacted the company again and was able to get their name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: BARCLAYS BANK DELAWARE
State: FL
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:
I have had the XXXX XXXX  from Barclays for at least 5 years and I have enjoyed the services provided, including gaining XXXX status within XXXX. 

Each month, I check my statements on the website. I share the account with my mother, so the statement is the only way to see who spent what on each purchase. 

3 months ago, the website stopped displaying my statements. I have called Barclays customer service innumerable times over the course of the past 3 months and they have still been unable to generate an electronic statement for me. 

After several rounds of reaching out to them via phone and via secure chat, they were able to mail me some paper statements. However, they are now telling me they are unable to do so - I have been told a manager will look into it. 

In addition, when I circle back with customer service over the phone, Barclays states they are unable to even see my electronic statements on their end. I hear something to the effect of " there is an IT issue ''. 

What concerns me is that the customer service department seems unable to contact the IT department to get an update on the matter and also can not provide said contact information for me to follow up. 

The bottom line is that I have gone three months without being able to normally review my statements and it seems Barclays is 'unable ' to assist. This whole situation is a bit strange as other members of my family also have the same credit card and are able to view their statements electronically without issue. 

It is dangerous to have a credit card and not be able to review the statements.

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 2022-08-15
Company: EQUIFAX, INC.
State: CT
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: BARCLAYS BANK DELAWARE
State: MA
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:
XX/XX/2022 a fraudulent charge transaction took place at a travel agency XXXX. I called my Jet blue card Barclays Bank that day and was told I had to start a fraudulent transaction on my account. On XX/XX/XXXX I received a letter stating my account was closed pending investigation. On XX/XX/XXXX I received a letter the merchant had proof I did the transaction.I said I wanted it reinvestigated and was told to fax a request with all the reasons why. I asked to see proof of this transaction and was told I would receive it by XX/XX/XXXX. Never received anything. Received a letter on XX/XX/XXXX account was closed and I would not be held responsible until investigation was complete within two complete cycles from the date the suspicious activity was reported. 
On XX/XX/XXXX th I called the phone number for the fraud department asking to please give me some answers and proof of this transaction. I was told I would get the proof within 10 days. He also asked if I had proof it was not me. I asked to speak to a Manager and was told I would receive a call within a week. That never happened. 
No one ever told me I had to prove it wasnt mine and still never got proof of the transaction. 
I took it upon myself to call the XXXX XXXX agency and found out the trip was to the XXXX hotel in XXXX XXXX for the dates of XX/XX/XXXX to XX/XX/XXXX. 
I was in XXXX from XX/XX/XXXX to XX/XX/XXXX all on my Jet Blue card how can I be in two places at the same time. I sent copies of my charge card statement, copy of my passport showing dates and asked what the hotel had for picture ID. Again I asked for proof with fourteen pages I faxed asking for them again to investigate and at that point one of the representatives I spoke to told me to place a dispute on the charge which I was told I should have done in the beginning. I did what the first Representative I spoke to told me to do. 
I called another number in the dispute number and am now awaiting again for proof as they look at this again. As of XXXX I was told I am responsible again as the dispute can not be put on after the fraud department gets the claim. Few days shy of 5 months and still no proof of this transaction.

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 2021-07-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On X/XX/17 I filed a complaint against Sallie Mae in which they have still not sent any response to. I also would like them to send me a copy of all loan documents from XXXX XXXX that shows my signed signature on it. I have been trying to get this problem of falsely showing late payments on my credit report when in fact the loan was in deferment. And there are several loans for XXXX XXXX when in fact I only applied once for a medical billing course.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: GA
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  have violated my rights. 

In 15 U.S.C 1681 Section 602 A it states : I have the right to privacy. 
In 15 U.S.C 1681 Section 604A Section2 : 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 non-monetary relief