BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-19
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On Saturday, XXXX XXXX, XXXX I submitted an online application for a XXXX XXXX XXXX after reading all available web site information. The application page indicated an immediate accept or decline decision would be made. However after pressing the apply button, a standard screen appeared that indicated a decision would NOT be made immediately and instead there would be a 10 day wait for processing. I then called the company 's customer service number and requested that the application be cancelled as I was not comfortable with they way the company was representing themselves and the process. I was told by the customer service rep that it was not possible to cancel an application and I would have to wait until I received a mailing from Barclays to proceed further.
I told the representative I was most displeased and disappointed with Barclays ' policies first of the application approval/decline process and then compounded by their refusal to cancel an application - particular since this qualifier was not present anywhere on the application page or on the apply button itself. The representative still indicated that there was nothing he could or would do to resolve the situation. If possible, I would appreciate assistance personally from the CFPB and at least please post this experience for others so they can avoid the same problem. Thank you.

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 2017-08-19
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not owe anybody any money. I think I am attempting to being scammed. There is no person to talk to, all I am allowed to do is push buttons and I am afraid to do that.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been calling TransUnion credit reporting agency to try and dispute some inquiries on my credit report each time that I have called and spoken to a transunion representative I have been told no that I 'm not able to dispute any inquiries on my credit report I have also asked the representatives is there any way that I could dispute online or over the phone I have also been told no I have called TransUnion on several occasions at different times and spoken to different representatives and they each told me the same thing that I 'm not able to dispute my inquiries. And would not assist me in doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Several times I asked agents at Prestige Financial Service not to contact me by phone concerning my car loan, yet they persistently called me four to five times daily during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018. I was even called by an agent named XXXX on XX/XX/XXXX repeatedly although I texted her to tell her I was at my Mother-in-Laws funeral. I made payments om this vehicle for three and a half years, yet they are saying that the payments went to principle and that the amount owed is nearly as high as the purchase price. Also I was told by an supervisor named XXXX XXXX, that they were in violation for calling after I repeatedly as them not to call me anymore, yet XXXX XXXX, XXXX XXXX, and Ms. XXXX continued to call, especially during my work hours, which landed me in a lot of trouble by my phone continually ringing. 
Now that I have agreed to surrender the car ( which they have ) they are still reporting it to all three credit bureaus that I'm missing payments. 
I'm asking that you please help me in getting this straight and getting Prestige Financial Service out of my life for good. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
By manipulating his personal information unlawfuly with an intent to introduce a collection to his Equifax credit report and in retaliation after complaining about this credit bureau, Equifax violated Mr. XXXX asserted rights especially the ones under the Fair Credit Reporting Act ( FCRA ). As of today XX/XX/2019 Equifax either pretend No issue existed or Equifax is challenging the law knowing it violated the FCRA in Mr. XXXX case. Equifax decided to write Mr. XXXX Record in the way it sees it profitable for Equifax. Equifax must comply to the FCRA or a lawsuit about those violations caused by Equifax is coming to face this credit bureau. Equifax Has all the information necessary to correct Mr. XXXX personal information and without waiving his rights, all stated herein is to his current state of belief, knowledge and understanding and subject to anything and at anytime by him and without prior notice .Equifax you know what you need to do. Comply to the FCRA and address the issue with good faith or you will loose at the end when you face an indictment of fraud directed against a citizen and a severe punitive damages and other will be requested in a court of law so you chose between doing the right thing or face the legal consequences of your wrong thing youve been engaged in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX Account Name : XXXX Account # : XXXX, Account Name XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXXL Account # : XXXX Account Name : 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 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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent in a letter to have to inaccurate and fraudulent information removed from my credit report. I has been well over 30 days and nothing has been done about it. They sent me back a letter saying they don't believe it was me who sent in the letter.

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 2017-08-19
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX is reporting information supposedly reported by the XXXX XXXX XXXX however, XXXX XXXX contradicts what XXXX assure ( see letter from the court ) XXXX  has acted with negligence. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
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: Old information reappears or never goes away

Complaint:
Equifax continues to update my credit report with 5 zombie collection accounts that can not be verified or validated. I have asked them to validate this information multiple times and I have not received any form of validation of these accounts, but they continue to report them in my credit file. Three of the accounts that have the same alphanumeric characters ( XXXX ) listed as the Collection Agency 's name and the original creditor field is blank. XXXX of the accounts has the following alphanumeric characters ( XXXX ) listed as the collection agency 's name and the original creditor field is blank. The 5th zombie account has the following alphanumeric characters ( XXXX ) listed as the collection agency 's name. In addition to these entries not having the collection agency or original creditor 's names, there is also no address or telephone number for these XXXX negative entries in my credit file. I can not validate this information, nor can or has Equifax been able to provide validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My card was closed by the company. I ended up paying off my card in order to delete from my credit report. Not only are the late payments still showing but the account overall was n't deleted. It 's making it difficult for me to obtain large purchases due to this. I need this to be removed as I was doing a pay to delete when I spoke to a rep.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Barclay 's has incorrectly reported to the credit agencies and refused to change it.

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 2022-02-16
Company: JPMORGAN CHASE & CO.
State: MI
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:
On XX/XX/2022, I submitted a credit card dispute to Chase Bank via fax for two charges that I incurred from two merchants, XXXX XXXX and XXXX XXXX XXXX. The background and my rationale for disputing these charges are detailed in my letter to Chase ( attached to this complaint ). 

Not hearing anything, I contacted Chase via phone three days later. The customer service rep was able to see the fax that I sent, but the dispute wasn't processed ( for reasons not explained to me ). With me on the phone, the rep then walked through the process of starting a dispute. 

A few days later, I noticed an account credit for the XXXX charge on my electronic statement, but nothing for the XXXX XXXX charge. When my statement closed this past week, I see that the XXXX charge was reinstated. 

Chase has never contacted me to either notify or explain their reasons for rejecting the disputes. I am still out {$1700.00} and have nothing to show for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
The account below was added to my Equifax credit report. This is not mine, and I have reached out to the number and address, for more information and verification and have been ignored. 
In addition, this agency is being investigated and sued by FTC ( see image for fake collections ). When I called them they threw threats and court and issuing of a summons to be delivered to my employer. Immediately remove and delete this from my credit file. I have never heard or had any business with company. 
XXXX Account # XXXX XXXX XXXX XXXX XXXX : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is the second complaint. 
We have been trying to resolve this issue since XX/XX/2021. 
Til this day we have not received some documents they said they sent out in XXXX. 
Today XXXX XXXX I called and said they have not yet sent out any documents. 
They have to review AGAIN. This has been back and fourth since XXXX. 
On XXXX XXXX We made the first payment after modification to be held in suspense account. So it can count as first payment well now they said to not make the payment until the papers come in. WE NEED TO RESOLVE THIS ISSUE ASAP IT IS AFFECTING EVERYTHING. WE ARE TRYING TO BE OUT OF THE FORECLOSURE AND CONTINUE PAYING OUR MORTGAGE REGULARLY. 

this is ridiculous

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 2017-08-21
Company: M.L. Zager P.C.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I originally owed {$1200.00} from a medical debt to XXXX county family services from XX/XX/XXXX. M.L Zager placed a judgement against me in XX/XX/XXXX. I had a fair hearing XXXX re : this matter. The decision from that fair hearing was the administrative law judge was with out subject matter jurisdiction to review the merits of the agencies determination to seek recovery of alleged overpayments, to me this means there was not enough evidence to state The alleged overpayment existed. I have been trying to have ML Zager review this document to addressthe alleged debt. I spoke to XXXX XXXX who is the debt collector for this firm and he refuses to review the information. I even went as far as having the deputy commissioner of XXXX county department of social services contact Them to remove the debt and apparently they told him there was nothing they could do because wage garnishment steps have already been taken. And on top of everything else the debt from XXXX has almost doubled due to fees from ML Zager. I also tried contacting XXXX XXXX to attempt to settle this debt with no effect whatsoever I was told since wage garnishment was sent into action there is nothing he would do for me. I would like to know why they are being so unfair. Just like everyone else I 've had debts before and every debt collector is willing to negotiate to settle a account.I was told by the deputy commissioner of XXXX county that they do not deal with ML Zager any longer because of their cruel and unfair tactics

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My card was closed by the company. I ended up paying off my card in order to delete from my credit report. Not only are the late payments still showing but the account overall was n't deleted. It 's making it difficult for me to obtain large purchases due to this. I need this to be removed as I was doing a pay to delete when I spoke to a rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to retain ownership of my condominium through a modification process. I applied for a modification with Ocwen in XXXX XXXX On XXXX XXXX XXXX I was informed via telephone that my modification had been approved. Ocwen has their loans serviced in XXXX. My relationship manager has a very thick accent and I am unable to understand what they are offering me. I have called back several times and received different responses from different individuals all of whom were nearly impossible to understand. I have requested numerous times that my call be transferred stateside to the US and it is virtually impossible to get them to comply with my request. The language barrier and comprehension of my questions/concerns are proving too difficult to understand my legal obligations. On XXXX XXXX XXXX I spoke with XXXX ( ID # XXXX ) and he informed me that the modification was temporary. My payment was dropped from {$490.00} to {$340.00}. I inquired about the details of the permanent modification and they refused to give me any details in writing about it. I asked for it via email and US Mail and was told that it was not possible. I have numerous questions regarding the terms of my temporary modification and what is likely to be on the permanent modification. I am very hesitant to sign the temporary modification because I feel that the deal is too good to be true. Additionally, I need for my relationship manager to be located in the US. A mortgage is a long-term commitment and binding legal document that I want to be sure that I understand everything before I sign on the dotted line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TD BANK US HOLDING COMPANY
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: Personal information incorrect

Complaint:
target keeps reporting me to credit agency, I told them I lost my job, plus There is a pandemic going on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: GA
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:
All of the accounts listed below were opened fraudulently without my consent. 

XXXX XXXX XXXX  Account # 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 2017-08-19
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:
Hello my name is XXXX XXXX. I am sending this message to TransUnion. I contacted you on various occasions due to an errored account that is listed on my credit profile. I asked kindly to send me any documents for proof, no one responded back. I sent in certified mail to your address and still I have n't received any response since XXXX. If you ca n't verify its mine, the account should be removed immediately by law. A company ca n't verbally verify an account without a document with the consumers signature so you are breaking the law FCRA, I did n't give anyone consent to open any accounts under my name, credit profile or social security. It seem that someone used my identity at the time. I refuse to accept an errored account that is n't mine and you ca n't prove that it is. A billed document is n't proof, and if you attempt to send me any documents with a forge signature, I will consider taking legal actions filing a civil suit. I am waiting for a response immediately. Remove the error off of my credit profile permanently. It 's a fraudulent account. Please be advised that upon your request, I will be sending this information to the FTC, posting your company on public record, filing a law suit against company.

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