BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-20
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I contacted the company on XX/XX/2019 about an issue with my credit card. I asked for them to explain the issue. I received a response the same day letting me know someone would be calling me. On XX/XX/2019 I informed the company that I wanted the issue responded to via writing and not a phone call so there was record of it. At that time I told them if they did not want to record the phone call and provide me with a copy of it, write me a letter in the mail, or send me an email that I would not be taking a call from them. This is for my protection of my account and my credit to prevent the company from providing false information and not being held accountable. I received the same EXACT on XX/XX/2019 saying that someone would be calling me. I informed the company I would be filing complaints to have the issued handled that way and ensure there is a written response.The issue is that the promotions offered by this card are for double points on XXXX XXXX orders from an XXXX  team. The two teams that I have purchased tickets from (XXXX XXXX and XXXX XXXX) redirect customers from their site to XXXX  to purchase tickets. Barclays is not recognizing these transactions as promotion transactions. I believe that all teams likely use this redirection to XXXX to purchase tickets. That would mean that no ticket purchases would qualify for the promotion that Barclays is advertising and it would make this promotion misleading to customers.

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 2021-07-21
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : TD BANK N.A. 
Account Number : XXXX Date Opened : XX/XX/2013 Balance : XXXX Reason : Identity theft Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: WESTERN UNION COMPANY, THE
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I received a phone call telling me my grand daughter was in an accident and needed to get home. They even put a girl online that sounded just like her. She needed to pay the rental car {$650.00} so that she could get home. They kept calling to get more money. This is when I realized something was not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: EQUIFAX, INC.
State: MA
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:
Re :  XXXX   XXXX  finance loan Opened on  XXXX   XXXX ,   XXXX   Talked to the lender many times and have sent a copy of my grandmothers death certificate because the loan is in HER name and still, they have not removed the debt from my report or stopped trying to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Hello, For several years, I 've paid $  XXXX  to Experian for their credit monitoring service. If you look at the attached document, printed directly from Experian 's website, they say my score is  XXXX . You can see the url on that document.     I am also a member of  XXXX  and signed up today for Experian 's free credit monitoring service that they offer to  XXXX  members. The reason I signed up for it is because the  XXXX  website was showing my Experian  credit score  at  XXXX . ( I have also attached the document that shows that score, directly from Experian 's 'USAA only ' site, with url ).     A  XXXX  point differen ce is HUGE!!! I  want to know whether my Experian credit score is  XXXX  or  XXXX . Furthermore I want all of the money back that I 've paid to Experian for their credit monitoring service throughout the years since it is innaccurate.     If I do n't get my money back, I 'll request copies of the credit reports that  XXXX  pulled yesterday and that  XXXX  pulled  XXXX . Since I was rejected for both of those credit cards, I am certain that my Experian score will not show as  XXXX  which is what the Experian  Credit Monitoring Service t hat I 'm paying $  XXXX  for says it is.     It seems like I 'm paying for eith er 1 ) inaccurate information, or 2 ) a type of credit scoring model that no one is actually using to determine my credit   worthiness.     Please give me my money back.     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 monetary relief
Consumer complaint received 2021-12-14
Company: BSI Financial Holdings, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021, I received a notice from XXXX XXXX XXXX, MN that not all of my RE property taxes were paid. I called BSI Financial and notified them that our property has 4 separate property identification numbers. I also notified them that 3 of the 4 RE taxes were not paid. I gave them the parcel numbers and was informed that I would not be assessed any penalty for this error. In XX/XX/2021 I received another notice from XXXX XXXX XXXX, MN indicating that the RE taxes for 3 parcels were still delinquent. I called BSI Financial indicating once again that they did not pay all of the RE taxes on my property and sent them information to their customer care email address. On XX/XX/2021, I called XXXX XXXX XXXX and was informed that 2 parcels still have outstanding RE taxes. 
I have 4 property ID 's : XXXX -- unpaid RE taxes of {$1200.00}, due before XX/XX/2021 XXXX -- unpaid RE taxes of {$2.00}, due before XX/XX/2021 XXXX -- RE taxes are paid XXXX -- RE taxes paid ( I paid these in XX/XX/2021 ) I have called BSI and have left two very detailed voicemail messages for XXXX XXXX, XXXX x XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recently received an identity theft alert on   XXXX   XXXX   from the  XXXX  service as I was a recent victim of the    XXXX   XXXX   data br each. This alert identified a new account in the amount of {$160.00} that was posted to my credit file on   XXXX   XXXX   by an entity name d Transworld Systems. I immediately called to place a fraud alert on my credit file.       Transworld Systems has never attempted to contact me about any debt in any amount before placing this on my credit report, and I a m completely unaware of the alleged amount ow or what it is potentially for.     I believe this is an attempt at identity theft and will also be filing complaints at the state level and considering legal action. I wish to file an initial complaint agains t Transworld due to th e fact that they have provided me absolutely no information of any kind or even attempted to contact me by mail or phone to explain what this bill is for. Nor has  Transworld sent m e any correspondence or bills tha t I may review o r dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TD BANK US HOLDING COMPANY
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:
I have no idea if this is about a credit card but I had to choose an option. 

TD Bank is fraudulently withdrawing funds from my XXXX XXXX  account. 

I do not have any accounts with TD Bank - no bank account, no credit card, no debit card, no loan, nothing. 

On XX/XX/20 there was a fraudulent withdrawal from TD Bank for {$3.00} from my XXXX XXXX  account. I informed both TD Bank and XXXX XXXX  that these charges are fraudulent and should not be permitted, as I do not have any accounts with TD Bank. Now there is another fraudulent charge from TD Bank, of {$6.00}, on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: ERC
State: NM
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:
ERC  ( debt collection company ) claims to have an account from   XXXX   XXXX   XXXX   to collect {$30.00} owed. I have been receiv ing notices for about a year now and call   XXXX   XXXX   XXXX   every time. We have never owed them and   XXXX   XXXX   XXXX   continuously advises me we owe nothing, this is a known scam to them and to ignore the debt collection company. The debt collection company has been notified every time they call and they refuse to stop sending mail and calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any accounts that was 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. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$45000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}

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 non-monetary relief
Consumer complaint received 2021-12-14
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I began law school in XXXX of XXXX. Since then, UAS Connect has requested payment and submitted " past due '' notices and reports to credit bureaus 9 times. The reports on my credit report reflect past due payments for XX/XX/XXXX, XXXX - XXXX of XXXX, and XXXX - XXXX of XXXX. Not only did I dispute these reports on XXXX XXXX over 6 times, I emailed UAS customer service 3 times between XXXX and XXXX. I received one response on XX/XX/XXXX citing that they corrected my deferment status. However, they made no attempt to correct my credit score. Each time learned a payment was late, I paid them because I did not know any better. 
I recently spoke with a representative, seeking payment on my " past due '' account on XX/XX/XXXX. I told her that my account is and was in deferment from XXXX XXXX. She confirmed that each past due notice was made in error and that I should not have been penalized on my credit report. However, no correction has been made. I called a second time on XX/XX/XXXX to request the changes be made immediately, but was told doing so is " impossible. '' As a result of their refusal to correct 2 years worth of negligence, my credit score fell upwards of 200 points. I can't apply to the only credit cards or car loans I can afford. Most importantly, I have to delay my application to the California Bar until my credit score is repaired. UAS Connect was put on notice in XXXX, again in XXXX, and for the third time in XXXX. UAS 's conduct is not only predatory, but reflect willful violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: AmerAssist A/R Solutions, Inc.
State: OH
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 Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX made a mistake on my account and reported a balance for collections. XXXX addmitted fault, closed collections, and stated it should have never been reported. I have disputed this event with Experian and the best they will do is list the collect account as " paid. '' The collection account should not have ever been listed and nothing was ever paid on my part, because their was never a debt. It was a fault on XXXX XXXX part, yet it is effecting my credit score with Experian. Experian says I can " pay '' to boost my score, which is essentially blackmail to bribe them to fix the erroneous reporting.

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 2017-04-18
Company: Atlanticus Services Corporation
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On  XXXX  .17 I ag reed to a purchase in the total amount of {$2500.00} from  XXXX   XXXX . I also took advantage of their advertised  12 mo  same as cash promotion.    Late  XXXX /early  XXXX   I received a call from someone who identified themselves as being a collector from Fortiva Retail Credit. I informed the caller that this was my initial contact with Fortiva and that I had never heard of them. The caller told me I need to pay approx. {$300.00} immediately to bring my account current or a delinquency would be reported on my credit report and that the 12 months same as cash offer from  XXXX   XXXX  was no longer an option due to my being late with my initial payment. I was told the total amount of my account was now over {$2800.00}. They also told me they accept only payments directly from my checking account and I would need to use my bank debit card.   I again informed 'collections ' that I had never heard of them and asked that they at least send me some verification of who they are and their connection to  XXXX   XXXX . I was told I would receive my documentation in the mail within a week. On  XXXX  .17 I rece ived my initial piece of mail from the company with an account # and balance, address, payment information, etc. I immediately called Fortiva offering to bring my account current but only if they would honor the origi nal 12 mo sac     agreement which they refused to do. I then offered to pay the original amount in full immediately but they insisted I owed them over {$300.00} in finance charges + late fees and could not do anything about derogatory remarks on my credit.   I have since spoken with their collection department several times, not including the many calls from them prior to having received my initial statement, but they insist on payment of all interest and fees. They can not allow me to discuss the matter with customer service until the account is paid to date bringing it out of collections.   I have no recourse but to pay their fees or have my credit ruined apparently. I did an online search of Fortiva and many reviews state the company engages in this activity as a matter of practice.   I want to note that   XXXX    XXXX  was given my current address, phone # and email information. They delivered the initial purchase to me by truck approximate ly 2 we eks after my purchase, sent follow up emails, called me during the purchase process and nothing has changed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2021 I reported fraudulent activity on my account current card was canceled and new debit card was supposed to be sent out same day I allegedly supposed to get it by XX/XX/2021. Instructed to go to nearest branch to get atm card. XXXX XXXX XXXX XXXX bank manager left early unable to obtain atm card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
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: Account information incorrect

Complaint:
On XX/XX/2021 at XXXX XXXX, I called Experian at XXXX to file 3 separate disputes with regards to incorrect information on my report. After explaining the information to the representative, the representative refused to take the report as the representative stated that they are not allowed to dispute information that is considered accurate. I requested to speak to a supervisor and refused to transfer me to a supervisor and refused several times to take the dispute. Credit report # 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 2019-12-20
Company: Global Credit & Collection Corporation
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was offered a settlement with XXXX who uses GLOBAL CREDIT COLLECTION CORP. I made all my payments that were required on the account. I called the agent and told them that the checking account was closed and not to send any future automatic payments. 
I mailed a check to them in lieu of automatic payment. They cashed the check. I called them and they said my debt was paid in full. In the first letter I received it states I still owe them XXXX. I can pay this. Prior to this letter I received, I was not aware of this. 

Then all of a sudden, I get sold to some NEW COLLECTION AGENCY which is making me a new offer, which is crazy because I only owe them XXXX. I need help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
1st. 5 years or so ago, Nationstar Mortgage, now Mr. Cooper. Kept screwing me around because i got behind 2 payment. First they had me pay 3 monthly pmts, then they said i didnt do it right, and made me do it again. Then they said i didnt do it right and told me i needed to refinance in order to save my home. They refinanced me at 40 year mortgage and added {$17000.00} on to my total. 
NOW they are trying to reposes my home saying i am behind 2-3 months, but my payment is made directly from my checking account to my morgage payment. XXXX has the record of 12 monthly payments for 2019. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
1 year and a hAlf ago .. . .I req uested and received my credit report and notice numerous accounts that were inaccurate, erroneous, outdated, beyond  statue of li mitation, and JUSE Not MINE..and put a FRAUD ALERT ON MY REPORTS.I wrote all three credit bureau 's disputing the NEGATIVE ITEMS . .. .I Rec eived numerous responses stating items were 'VERIFIED'..However when I exercised my FCRA RIGHTS and requested VALIDATION..METHOD OF VERIFICATION, OR CONTRACT BEARING MY SIGNATURE from the  XXXX  CREDIT BUREAU 'S . (   XXXX  ... .. XXXX ..EXPER ) ..TO THIS DATE   XXXX   XXXX    2017..I H AVE NOT RECEIVED NON OF MY FCRA LEGAL ENITTLEMENTS .. . ..I am bein g VIOLATED and I need help and assistance. ... ..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 2021-12-14
Company: EQUIFAX, INC.
State: VA
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:
My name XXXX XXXX. my SSN is XXXX. I sent a letter which is dated on XX/XX/2021 to reinvestigate some inaccurate and misleading information on my report but its been over three months now I still havent got any response from your agency. According to the FCRA your organization is suppose to provide reponse within 30 days but or immediately or delete the negative items but its seems your ignoring this. I've done my research and I know my rights as a consumer. You guys seem to be ignoring my letters probably thinking that i dont know anything about the law but if you continue to ignore my message i will hire a consumer rights attorney to deal with you. I will be waiting for your positive response in this matter. Thank you

Company response to consumer: Closed with explanation