BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-01
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
Barclays charged me for a late fee for a card I never applied for or ever used. 
I had an XXXX XXXX XXXX XXXX card I used. I had used the card on a transaction for {$27.00} in XXXX. I paid XXXX XXXX when my bill came in as I always do. Never late. 
Unbenounced to me, XXXX XXXX had switched these cards to Barclay. Barclay issued me a card, which I threw away. They assumed the charge and then added a late fee. 
I never authorized Barclays to send me a card, I never made a charge with them and never owed them money. I paid my bill on time. 
I got a bill from Barclays for late payment. This was actually equal to the amount owed {$27.00}. 
I called Barclays, cancelled my card and challenged the fee. They jept me on the phone, trying to sell me products but never addressed my issue. 
I would like to know how a company can sign me up for a credit card and then charge me late fees for money I never used from them. I never activated the card or used it and I paid my bill on time to the company I made the charge with.

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 2015-09-03
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed with all XXXX credit bureau the information XXXX XXXX XXXX is reporting on my mortgage XXXX. The account was not included in a bankruptcy per the attached amendment. Payments were made continuous from XX/XX/XXXX to XX/XX/XXXX, account was paid in full and satisfied as agreed as of XX/XX/XXXX. XXXX XXXX XXXX has refused to change and credit reporting agencies are not defending the reporting. Need to report both good and bad actions on an account. Reporting agencies are not showing the good payments and paid in full account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, US Dept ED Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 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 other adverse item of information, other than records of convictions of crimes which antedates 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 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 2022-06-01
Company: EQUIFAX, 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:
I sent my letter off on XXXXXXXX XXXX2022. I Told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. The Credit bureaus stated my account was properly invested but how is that possible if the accounts have multiple inaccuracies. Also I have attached the letter I sent out and here is the Tracking # XXXX According to the FCRA The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the Consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information.

They Also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Accounts : XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX  XXXX ( XXXX XXXX ) XXXX XXXX XXXXXXXX ( XXXX XXXX ) XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX  ( # XXXX ) I'm requesting a XXXX dollars per violation or Deletion of the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: M&S Recovery Solutions
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am XXXX military and have been for XXXX years. In XX/XX/XXXX, I received XXXX, at which time, I had canceled various services to which I had at my home. One of these services, was a home security system. I submitted a copy of my XXXX as I had done with other services I terminated to no issues from the company. Around XXXX years later in XX/XX/XXXX, I started to receive outstanding debt notices from this company stating I owed {$1100.00}. I explained my situation and that I had previously resolved this matter prior to moving. The individual apologized and said they would take care of it. I heard nothing back until XX/XX/XXXX. I had again received XXXX. While in XXXX, my wife was back in the states buying a home for us in the next state we would be living in. It was at this time, we discovered the security system company had reported the debt to the credit bureaus. Before we could purchase the home, we had to have these issues resolved. I presented my case and the items were removed from my credit reports. It is now XX/XX/XXXX and this year, I have received multiple calls from XXXX different collection agencies all referencing this particular debt. Each time I request to have a bill mailed to me, the debt is sold to another agency and the process starts all over again. I have contacted the original debtor and they claim they have nothing further to do with this debt as it was sold off to collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: FL
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 Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX  XXXX Reference Account # XXXX, XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX XXXX Account 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 states : A consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Credit Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX  XXXX Reference Account # XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Account 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 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
Consumer complaint received 2016-09-30
Company: Credit Bureau Collection Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a complaint from XXXX XXXX against CBCS for CBCS 's failure to provide requested information for the debt alleged. On XX/XX/2016, consumer, XXXX, received a demand letter from creditor, CBCS. On XX/XX/2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over six weeks since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is an apartment I did not ever reside at. I had a house at that time and did not live at this apartment at all. My house address was XXXX XXXX XXXX, XXXX, Texas.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount of debt of {$270.00} is not accurate. The company, CCS COLLECTIONS has not provided me with any proof of ownership or Bill of Sale regarding this debt. As far as I am concerned, I do not owe this amount and deny their allegation. This has negatively impacted my excellent credit rating. I've disputed the item with the credit bureaus, and they did not complete a thorough investigation. Instead, they utilized a two-digit code and left remarks on my credit report " Meets FCRA Requirements '' This account needs to be investigated and removed from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: P&B Capital Group, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A XXXX I believe from P & B Capital Group called my daughter and left a message stating they are attempting to collect on a debt. 
I have no idea who this person is and I believe it is against the Fair Debt Collection Act to contact family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have a Sam 's club credit from Synchrony Bank. On a trip from NY my card was frozen and could not use the card for any transaction without the Synchrony bank notifying via phone or email. After I called the bank, they claim ther is nothing wrong with my card and should work. Upon numerours attempts at different locations, my card failed, I went to Sam 's club to rectify this anoying issue. Prior to me going to Sam 's club, I called Synchrony bank to update my profile over the phone since i could not do that online upon several trial. My phone was updated, according to the representative i spoke with. Yet after Sam 's club representation got on the phone and spent almost and hour with Synchrony bank, the bank could not verify my account because they claim they do not have any phone number on my account and the only means they can verify my account is to send me a snail mail, but they can not send an email neither even though i have an email address on my account profile. The letter i received from Synchrony bank state that they could not verify my account and they are sorry for the misharp. 

Currently i know my account will be due soon, but do not know the exact date and amount. Yet since i can not access my account via any means, the bank will be charging me for late fees and be placing such derogatory comment on my credit. 

To prevent this from happening, i have attempted on several occasion to contact the bank with no success. 

I want synchornous bank to activate my account, through the normal mean as permitted by law, via my new updated phone number and/or email.

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 2020-12-29
Company: EQUIFAX, INC.
State: OH
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 is reporting I owe them 50,000 + on my mortgage I do not owe them that type of money they are not The Originators of my loan I dispute that amount and what they're doing to me I've been trying to refinance this house for the last three years and they have been dragging my credit score down awesome the vehicle that appears on there from executor Finance has been returned since XX/XX/2020 there is no rears there is no balance the vehicle has been returned and there's a few other things that are being in accurately reported and I'm trying to move forward in a credit world and they're making this impossible when I have children that I have to maintain thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: OH
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 is reporting I owe them XXXX + on my mortgage I do not owe them that type of money they are not The Originators of my loan I dispute that amount and what they're doing to me I've been trying to refinance this house for the last three years and they have been dragging my credit score down awesome the vehicle that appears on there from executor Finance has been returned since XX/XX/2020 there is no rears there is no balance the vehicle has been returned and there's a few other things that are being in accurately reported and I'm trying to move forward in a credit world and they're making this impossible when I have children that I have to maintain thank you for your time

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 2021-08-04
Company: General Motors Financial Company, Inc.
State: LA
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:
Investigation took more than 30 days, and no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I filed the dispute with Barclays Bank concerning the charge made by XXXX to my account XXXX XXXX, 2015 for {$14000.00}. The dispute was filled out over the phone by one of their representatives as I was not given the option nor was it available to fill out the form over the Internet. Of everything I said, the company chose to use non-receipt of merchandise is the reason for the dispute. They have completely ignored all the evidence that the merchant presented himself as XXXX XXXX XXXX former XXXX XXXX -- which are both false, plus he lacks any certification by the state of Arizona to treat people with XXXX much less sell them. 
Barclays continues to side with merchant now says that the laser is available for pickup once I paid {$28000.00} - part of the reason that I filed a dispute in the first place was the merchant failed to deliver the merchandise on time twice and made up excuses that were out of his hands to justify failure. Barclays refuses to explain or justify why they have chosen to ignor the majority of my evidence nor why they are not allowing me to go to arbitration as per MasterCard agreement.

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 2016-10-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Other

Complaint:
I applied for a Lowes credit card. I was enticed by the 5 % discount at each purchase made with the card. I pay all my cc balances monthly so as not to incur interest charges. Lowes ( Synchronicity Bank ) cc charges 24.99 % per annum on unpaid balances. I established a " paperless '' account giving Lowes my credit information including my birthdate, ssn, address, telephone number and annual income. I also connected the card number to my banking information. I made no charges until a recent large purchase, I paid the entire balance at the store because I had n't received a statement. The following month, XX/XX/XXXX, I did n't receive a statement. When I called Synchronicity Bank, they said that there was no email address on the account as the reason they did n't send a statement to me. When I asked why they did n't mail a statement, they indicated that my account was " paperless ''. They had my address, my phone number, and all other pertinent information but they did n't have my email address. They indicated that it was not their policy to determine the email address once they discovered it was missing or inoperative. It is my logically concluded opinion that Synchronicity Bank is using deceptive practices to cause their customers to skip payments wherein they are then contractually allowed to charge 24,99 % annual interest plus late payment charges.

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 2022-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked a XXXX night stay at XXXX XXXX By XXXX at XXXX XXXX for a King size bed. Upon arrival, a Queen size bed was only available and the rate difference to be refunded was promised. In addition they gave us a breakfast voucher as an inconvenience. However upon return to the USA, the hotel refused such claims and the credit card company, Capital One refused to assist in the situation siding with the hotel. The matter of the fact is I booked a King size bed room for XXXX nights and was only delivered a Queen Size Bed for XXXX nights. I have records and receipts of the stay showing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: AZ
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:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

EQUIFAX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX Collection XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: RoundPoint Mortgage Servicing LLC
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sold my home and paid off my mortgage to Roundpoint Mortgage Servicing Corporation via wire transfer on XXXX/XXXX/16. I called them on that day to give them my new address and verify when my escrow balance and mortgage overpayment would be released. I was told by " XXXX '' it would be sent in 20 days. I called again on XXXX and talked to " XXXX '' and was told a check had not been issued yet and that it could take up to 60 days. I requested and was told it would be expidited. I still have not received a check. Why are they allowed to hold my funds for that long when they received a wire transfer on the date of closing? If I am late on a payment I am charged a late fee. Why is Roundpoint not penalized ( and me compensated ) for their failure to pay ME promptly?

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