BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: BARCLAYS BANK DELAWARE
State: PA
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:
My husband was swayed by the high-pressure marketing strategies with XXXX XXXX XXXX XXXX XXXX He thought that it sounded wonderful and he thought that our XXXX daughter would love to be able to go to different vacation areas. After XXXX set us up with Barclays Bank credit cards to purchase a few " points '', my husband realized that we couldn't afford this and also that the few " points '' were pretty much useless. I knew that we couldn't afford those few points, but he really thought that we could swing it. Shortly afterwards, he realized that we couldn't afford them, but we had already signed papers. After he allowed me to contact XXXX to let them know that we couldn't afford it-especially after he came down with Covid again and wasn't able to work and I had to have XXXX and couldn't work- they released us from the contract. We have the signed documents stating that they released us from the contract, XXXX # XXXX. However, Barclays Bank continues to harass us about paying for something that we don't even own. They call us usually at least two and three times a day and every time that we answer, there is either no one on the line or they hang up. I don't know how to get them to stop calling. We can't afford to hire a lawyer and I know that this is going to mess up our credit. Plus, it is causing so much stress on us, because we always try to pay our bills on 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 2023-08-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-10
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, my Chase account showed my payment submitted successfully. On XX/XX/XXXX, the payment was returned without my knowledge, and the lack of successful payment was not made known to me. On XX/XX/XXXX, my statement showed my account as past due and that I had a late fee and interest charges. 

On XX/XX/XXXX, I spoke with XXXX Chase representatives. The first notified me that my payment account " had no funds. '' This perplexed me, as my checking account had approximately XXXX  times as much as the total due. She notified me that she was able to reverse the late fee but not the interest charges. I accepted this, and looked again my payment activity. The payment scheduled was from an account that has never been associated with my Chase account, nor XXXX that I was familiar with. I called back and spoke with a supervisor who told me that the error was mine when I set up autopay and they could not refund the interest fees for any reason. 

I have attached payment documents which clearly show XXXX separate accounts being used, and in neither case did I do anything different. I have never been late on any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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 XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXXL XXXX ( XXXX XXXX ) XXXX. XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Automobile Dealers ) 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; total accounts, open accounts, closed accounts, balances, payments, and inquiries were properly investigated but how is that possible if the last activity date for each account is different? This is clearly inaccurate which means it is grounds for removal, update information, for claims of up to {$1000.00} per violation. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law also states that if a credit bureau places information on a report it knows to be inaccurate, a consumer can claim up to {$1000.00} for each willful violation. I have not made late payments to companies XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX This in inaccurate reporting and needs to be removed from my credit report immediately or furher action will be in pursuit per the Fair Credit Reporting Act.

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 2023-05-16
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries were made ( 5 of them on XX/XX/2023 ) on my credit report that I did not make.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: IL
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, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer.

reporting agency can not furnish an account without my written instructions 15 U.S Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting.

agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: MD
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I used a mortgage company called XXXX XXXX XXXX, they were infinitely better than whoever has my loan now. A company called Newrez and Shellpoint have my loan now and I can not reach anyone at the company. I can not pay the bill because I can not reach anyone. I have called every number on the websites and on the bills they have sent and all of the numbers are disconnected. I have called XXXX numbers, the only number that worked was a fax machine. 
How can a mortgage company destroy my credit but dont have a number to call to allow me to talk to someone about my mortgage? This is very unethical. 
With the previous company I did not miss any payments in XXXX years, and now im XXXX days behind because nothing works and I wont send a random check to an address with a hope someone is real and this isnt a scam. 
I hope someone looks into this company and makes some calls to see how unprofessional and unethical this company is. 
Below will be a URL for phone numbers of the company for your reference : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Harley Davidson Financial Services Inc
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This bank charged an account in XX/XX/23 its showing last payment made XX/XX/23 also showing open on XXXX along with missed payment reported today, This is a violation. Also showing late payments for the last 8 month when they had the vehicle in their possession, also a violation. I will be reporting this to FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: PA
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:
I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ) Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report as Evidence

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 2022-10-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 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 explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. these items which I believe to be fraudulent and misleading needs to be dealt with immediately. 
Here are the aforementioned items : 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 2023-01-30
Company: CITIBANK, N.A.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bestbuy, is charging me {$830.00} in interest adding this amount to the amount that I already owned to this institution. They have a promotion to pay in 24 months but if this amount is not paid in total of the 24 months, they charge the total amount owned as interest rate. When I called them, they pushed to make me pay the full amount or the interest rate will continue. 
I have this store credit card for almost 10 years and I have never saw this charges. This is unfair and greedy. I have the statements to prove 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 2023-10-24
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS ACCOUNT IS INVOLVED IN LITIGATION. Case number : XXXX XXXX. National Credit Systems is reporting inaccurate information. Original creditor is incorrect. Balance is incorrect. False charges were added to this account. Original creditor is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
Discover ( XXXX ) is reporting derogatory information regarding a credit card account to ALL 3 of my credit bureaus. I mailed Discover certified letters requesting a signed contract for this account. When I did not receive a response I followed up and called Discover. Discover claims they never received my request even though the tracking number for each certified letter indicates both certified letters have been received. I have made both written & verbal request for a signed contract for the credit card account. Discover refuses to send me the request signed contract. The only thing Discover has provided to me were outstanding monthly bills & a general Customer Agreement not specific to the credit card account they are reporting to my credit file. In fact it is the same general Customer service agreement they have listed on Discover 's website, the website also makes reference to there being a Credit Card agreement for " your accounts '', which I am assuming that there should be specific terms agreed upon for each account specifically. I spoke with a customer service agent & she stated not all accounts have signed contracts & she could not provide me with one for the reported credit card account. I asked " if there is no signed contract outlining the specific terms to either account how did a agree to something blindly? '' Of course she had no response other than there is no signed contract/ agreement documentation showing I agreed to either credit card account. I will continue to document my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This letter my lawful and rightful consumer of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. Additionally, this notification my consumer rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately established a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository! 
Sir/Maam, I am writing you with this formal protestation versus claim ( s ) made and a demand for appropriate report modification ( s ) on your part. You are inappropriate reporting incorrectly to the major credit bureaus and damaging my credit. You are in contravention of the FCRA aka the Fair Credit Reporting Act. The Suspected transgression ( s ) perchance might qualify for subject to fines and damages. I am providing you but this one last contingency for adequate modification of this alleged credit circumstance. Previously, I had sent you a letter advising you that you were incorrectly reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to adequately correct my file. Due to your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it seems that my sent letter was frustratingly slighted.

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 2023-08-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the report of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer reports they are in VIOLATION! Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.

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 2022-10-14
Company: EQUIFAX, INC.
State: IL
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, XXXX : # XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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 response to consumer: Closed with explanation