BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-02
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an auto payment setup on my Barclays credit card from a XXXX checking account. In XXXX, I got large amount of fraud transactions on the checking account and those transactions continue for a week. XXXX bankers and I discussed about the issue and we have to freeze the account and investigate all the transactions. I filled reports to the police office and all the recommended agencies ( CFPB complaint # XXXX, XXXX Police Department case # XXXX ). During that time, an auto payment was made to my Barclays credit card from the frozen XXXX account. I made payment in time after the issue was fixed. However, I was still charged XXXX dollars on the next statement as returned payment fee. I called customer service and explained the situation. But they still insisted on charging the returned payment fee. There shouldnt be a fee charged to a customer when the returned payment happened because the customer was trying to fight fraud and protect his/her personal property.

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 2022-07-16
Company: Experian Information Solutions 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:
I sent a complaint requesting that Credit Bureaus will reinvestigate the disputed Account XXXX  XXXX Balance Owed : {$940.00} from my credit report as well as update this Account from my report during the investigation period. As of this date, Credit Bureaus have failed to respond to my request. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range.

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 2022-07-16
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Around XX/XX/XXXX I paid Hyundai motor finance through my bank.. it was taking too long to receive the check so I reached out XXXX and stated I will make a direct payment through another source and to not process the check. 

On 2 occasions they processed the check after they received the payment and charged me 2 {$50.00} insufficient funds fee When I saw my invoice i immediately reached out trying to get the fees waived and no one would help I was hung up on and refused when I asked for a supervisor.. 

Finally in XXXX I spoke to a supervisor that was extremely rude and refused to remove the fees even though he verified that he saw the notes. I told him I see the issue you see what Im asking and he still refused saying they refund a fee already paid, I stated Ive been trying to get the fees erased since they were applied and still got nowhere When I stated I would reach out to my attorney he proceeded to say do it Now they are holding my title and ruining my credit because they continue to report non payment When I lost my job I let them know and they said theres nothing they could do even though I could have deferred my payments 2 times a year and I hadnt in XXXX or 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 2017-04-26
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX  I have been working with Resurgent Capital Services (  XXXX   )  for months to obtain detail on a debt improperly sold to them by  XXXX   XXXX . Despite  XXXX  's refusal to discuss details of an account sold to an external collector, I was able to escalate the matter to several supervisors and a Department  XXXX  in  XXXX  's  XXXX  Department. I was able to ascertain the debt was assessed due to an improper billing of usage fees and an early termination fee  (  ETF ). Both were waived and the account was settled at or around  XXXX  of  XXXX .  XXXX  did not update their system and sold the account to a debt collector without proper notification. I had to research this on my own because, despite promises to do so,  XXXX  has not.     Resurgent claims to have initiated an investigation into the matter upon my request, but cited little more than having a  XXXX  billing statement as definitive proof that I owed the debt. This is categorically false : it is proof of  XXXX  's claim, not proof of the debt. Resurgent refuses to discuss the details of their " investigation '' beyond that. I asked for the  XXXX  customer service call logs and service records to be reviewed and discussed. I maintain that verbal discussions and agreements were reached with  XXXX , prior to the sale of the debt, that resulted in a zero balance owed. I have verified that the details of these agreements are retained by  XXXX . I also requested  Resurgent o btain copies of such detail along with records of service interruptions, dropped calls, and complaints from other customers to substantiate my claim that I was billed for services not provided and violations of the  XXXX   XXXX   XXXX  agreement with  XXXX . This information exists and is available to  Resurgent.      Due to the lack of ethical pursuit of debt validation, and the verbal agreements reached with  XXXX   XXXX , I am looking to immediately remove the falsely reported collection from my credit report as Resurgent does not possess the necessary evidence to support their debt claim under the Fair Credit Reporting Act and has not complied with the requests for information substantiating their false claim of debt. I have initiated reviews with all three credit reporting agencies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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 sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX {$0.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2022-07-16
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$3100.00} ; XXXX  XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$3500.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX  XX/XX/2022.

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 2022-07-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 15th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items listed need to be disputed : XXXX XXXX XXXX  XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$3200.00} ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date 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 non-monetary relief
Consumer complaint received 2022-07-16
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:
I sent a complaint requesting that Credit Bureaus will reinvestigate the disputed Account XXXX XXXX Balance Owed : {$940.00} from my credit report as well as update this Account from my report during the investigation period. As of this date, Credit Bureaus have failed to respond to my request. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had to file a Home Owners claim for Hail Damage, the Insurance company as issued a check in the amount of 25,000.00, which I brought to my Branch in XXXX Tx on Tuesday XX/XX/XXXX, the branch told me to bring the check in to be endorsed and deposited, when I arrived at the branch they then told me that I had to mail the check in, I followed all instructions as provided, I was told once check waqs received it would take 3 day to cleared, once erwork was received a portion of the money would be released, check was received on XX/XX/XXXX and cleared XX/XX/XXXX / XXXX ..I have called everyday about this portion of money and when it would be released, every time I call I get a different answer from the wells fargo representative I find this to be a Regulatory violation because the information I have been receiving has been incorrect and FALSE and as of Today XX/XX/XXXX the 1st portion of the Money has yet to be released. 
I have spoken to 3 representatives today ( on Wells Fargo Recorded lines ) alone XXXX XXXX XXXX / XXXX XXXX XXXX and XXXX @ XXXX then a supervisor which all had different info regarding my Money. 
I would like a straight answer why my money is being held up or I will be contacting a Lawyer!

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 2017-09-05
Company: BMW Financial Services NA, LLC
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: Account status incorrect

Complaint:
BMW Financial reported my account 30 days late for XX/XX/XXXX to both XXXX and XXXX My payment was due XX/XX/XXXX and my account was paid on XX/XX/XXXX, which is NOT 30 days late. XX/XX/XXXX is the date the payment shows as being made on my receipt from BMW and this is the date the actual funds were deducted from my bank account as I have it set-up as a direct debit payment. BMW Financial has been nothing but a problem to me and my family. My husband was hit by a vehicle  in XX/XX/XXXX and the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Fairway Capital Recovery, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On/Around XX/XX/XXXX I received a voicemail that I owed {$90.00} from living at XXXX XXXX at XXXX in XXXX XXXX, MO and if I did n't pay that day I would be sent to collections.I lived in the lofts from XX/XX/XXXX- XX/XX/XXXX. I paid all my rent in full and sent my notices to vacate prior to moving out. I never received a notice prior, then two years later get told I am getting sent to collection that day. I have contacted XXXX XXXX as well as Fairway Capital to get to the bottom of this with no avail. In XX/XX/XXXX I got a letter from Fairway Capitol only after reminding them that they were in violation of creditor law letting me know what I owed for. The letter has no dates and is extremely vague but says an auto charge on XX/XX/XXXX in the amount of {$81.00} and that the rest is for utilities. I moved out before the end of XX/XX/XXXX. I never lived in the residence after that and I gave numerous notices ( more than 90 days ) that I was vacating. I had moved out over 30 days before the dates listed on the letter provided by Fairway Capital. In XX/XX/XXXX I again contact XXXX XXXX and was told I had to talk to the owners of the property ( XXXX XXXX ) and was given the email address for a XXXX XXXX. On XX/XX/XXXX I contact XXXX XXXX via email and explained the situation but did no receive a response. Fairway Capitol discontinued contacting me until XX/XX/XXXX when they resumed calling me numerous times a day from different area codes. The agency has also reported the debt to collection agencies and it has negatively affected my credit.

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 2017-09-05
Company: J Northland Group
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am receiving unwanted calls from XXXX XXXX XXXX about a debt that is over 10 years old. They have been harassing me and threatening me with legal action. They keep calling me fromXXXX the lastest person to call and harass me is XXXX XXXX. http : //www.northlandgroup.com

Company response to consumer: Untimely response
Consumer complaint received 2017-09-05
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
XXXX XXXX CC > XXXX Credit Card # XXXX The limit is {$10000.00} not {$5000.00}

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 explanation
Consumer complaint received 2021-08-28
Company: First National Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection agency is claiming I owe a {$40000.00} to original creditor XXXX XXXX. I never heard of XXXX XXXX or never had any bills or mail from them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
NCO Financials continuously calls my cell phone and has also called the home of a relative and told my relative that they needed to speak with me and left a phone number for me to call them at. I have told this company that have no knowledge of the debt they are referring to that they are attempting to collect. The representative referred to me by a former name that I have not used nor have been known by for almost ten years. They asked me questions to confirm my identity, all of which I answered, and then they asked me if I was sure that this debt does not belong to me. I have received another phone call today from NCO but, they hung up on me when I answered. I want this company to stop calling me and my relatives. If they believe that I owe them something or am legally required to pay money that they believe is due to them, they should contact me in writing. At this point, I consider their repeated calls to me and my family as harassment. The number that they called me from today is XXXX. I do not know the numbers that they have previously called me from.

Company response to consumer: Closed with explanation