BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-30
Company: BARCLAYS BANK DELAWARE
State: MA
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 I initiated a balance transfer of {$2500.00} to my Barclaycard account from my XXXX XXXX. According to XXXX XXXX their check was cashed by Barclaycard on XX/XX/XXXX and It is now XX/XX/XXXX. After a call to Barclaycard they state that they can not look up the payment, check number or any other information and it is up to me to provide ETF, routing numbers, check images etc. XXXX XXXX emailed me a letter stating they sent the payment but Barclaycard states that is insufficient I have had the same problem with Barclaycard in the past.

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 2020-10-06
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Credit acceptance is working with me so far in regards to monthly payments during this covid pandemic, severe crisis. I'm concerned about the major interest and added of thousands of dollars on my loan. My XXXX  XXXX XXXX, 14 year old vehicle, with over XXXX miles, was agreed on at slightly over {$13000.00} at XXXX XXXX XXXX in XXXX XXXX FL. This is a used car dealership only. After looking over my terms after the deal was struck. My loan is now over {$22000.00}, thats a {$9000.00} in interest. Submitted refinancing request, not sure if it was received or reviewed. Not sure, but I feel that I'm over paying A LOT, for an old vehicle. Yet I will say Credit Acceptance had been working with my payments due to covid pandemic and I appreciate that, and 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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {$310.00} / XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I WAS NEVER LATE ON THE ACOUNTS LISTED. Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file.

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 2015-06-24
Company: ERC
State: CA
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 company was reporting debts on my credit report that were unfamiliar to me. After seeking legal council I was advised to exercise my right to request validation of the accounts pursuant to the Fair Debt Collection PracticesAct. In correspondence dated XX/XX/2015, the company received my demand for validation. This company simply ignored my request and did not bother to respond to me, concurrently they verified the accounts with the credit bureau following my dispute with the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: BARCLAYS BANK DELAWARE
State: IL
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:
XX/XX/XXXX filed written dispute on four transactions because `I was told they would accept only 1 dispute via telephone. 
XX/XX/XXXX they requested additional information regarding the transactions. 
The information was faxed and received by Barclays. Barclays closed the case after receiving the information because they said they wanted to speak to me by phone. I told them I never received a call and had been out of the country. They re-opened the case on XXXX. I have spoken to numerous customer service reps including XXXX, XXXX, XXXX and today XXXX ( dispute dept ). I have never known a credit card company to take this long resolving a dispute. They will not issue provisional credit and said manager call back will take 10-15 days. This is outrageous because XXXX said the refund was issued to Barclays. To date -Barclays Mastercard has not issued credit for upgrades to refundable tickets as follows : XX/XX/XXXX. {$280.00}. XXXX # XXXX XX/XX/XXXX. {$120.00}. XXXX # XXXX XX/XX/XXXX. {$280.00}. XXXX # XXXX XX/XX/XXXX. {$120.00}. 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 2016-09-13
Company: Shellpoint Partners, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Our alleged servicer/collector either purchased or had a debt transferred to them from XXXX XXXX XXXX XXXX on or about XXXX. Shell point Servicing has represented themselves as holders of the debt even after me the homeowner requested the proper validation of the alleged debt 2 times in XXXX and 2 times in XXXX without producing any present right to the debt or right of possession. They have also added approx {$10000.00} each month after the first request of the debt validation in XXXX to intimidate and harass us. Shell point refuses to sign for the registered receipts and refuses to show any valid contract as to the amounts being added. Furthermore they filed a notice of trustee sale on XXXX XXXX asking for an amount of debt that is {$300000.00} beyond the amount stated on the deed of trust and secured, hence violating the FDCPA through their attempt to collect a debt through deceptive and wrongful actions. Lastly, they have reported private information and employed another third party to attempt the illegal disposition of the real property at XXXX, XXXX, ca XXXX in contradiction of the homeowner notifying them through a " cfpb '' disclosure that they were not allowed to disclose any information. This company and its holding company New Penn Financial have brought a new level of fraudulent activity into the market place in order to be unjustly enriched through their violations of law, Federal and State. This is a request for an investigation of this fraudulent company and their illegal actions against XXXX homeowners that are now XXXX years old and are in constant harassment and intimidation by this company and their newly appointed " trustee '' and illegal collector of the debt employing and using Unfair, deceptive, and abusive Business practices which can be observed in their filing of Notice of Trustee which has never been verified and is in noncompliance due to violations of the law. The homeowner has identified over XXXX violations just on the Notice of trustee and the fact that this Notice of Trustee was filed without a proper Notice of Default being recorded. In addition this company has employed false documents and has recorded them with the county recorders office to show a false interest in the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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: Information belongs to someone else

Complaint:
I HAVE NEW AN UPDATED INFORMATION I will like to know who did you interview to investigate my consumer report because it can only be with neighbors, friends, or associated of the consumer and such information shall not include specific factual information on a consumers credit record obtained directly from a creditor. 
I will like for your company to do as I say and to pay remedy for your company committing fraud 15 USC 1681a ( q ) ( 3 ). EXPERIAN has committed identity theft this information must be removed ( XXXX XXXX XXXX XXXX XXXX ). Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) Reported information can not be only transactions and experiences between the consumer and the creditor.

Pursuant to 15 USC 1681a ( e ) The term investigative 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 with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Pursuant to 15 USC 1681q Obtaining information under false pretenses any person which includes an organization such as EXPERIAN who willfully and knowingly obtains information on a consumer from anther consumer reporting agency without written instructions or authorization pursuant to 15 USC 1681b is information obtained under false pretenses. I XXXX XXXX the ( consumer ) did not give written instructions or authorization. 

15 USC 1681n ( a ) ( 1 ) ( A ) Willful failure to comply with any requirement under the FCRA is damages up to {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Been monitoring my credit report as I came across to see all my credit inquiry 's were removed and put back on

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 2017-05-23
Company: Bread Financial Holdings, Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
II r eceived a letter ( by mail ) from COMENITY CAPITAL BANK dated   XXXX   XXXX  .   COMENITY CAPITAL BANK  XXXX   XXXX   XXXX , OH  XXXX .  XXXX  I had applied for a MY PLACE REWARDS credit card account which Comenity Capital Bank issues and handles any account-related matters. The letter stated that they were unable to approve my application as I did not meet their debt to income requirements. M y credit score a s of   XXXX   XXXX   XXXX     :  XXXX  I contacted them immediately asking why I had been denied the credit with an Excellen t credit score. Unde r the Fair Credit Reporting Act, which they based their credit decision, in whole or in part, on information they obtained from  XXXX . They told me they could tell me nothing at all and I would need to contact  XXXX . I did so, and after explaining my situation and telling them that I was n't concerned at all about the denial of the card, I wanted to make sure that this did n't leave a denial on my credit.   XXXX   explained to me that they could n't tell me anything and I would need to contact COMENITY. Since I 'm at a standstill, I just want to get an answer verifying that their denial ( and purpose ) will not be on my credit report. I have ALWAYS had excellent credit. I do n't want this to jeopardize my credit.     I would appreciate any help you can give me to get this issue straightened out and to insure that this has n't effected my credit. Thank you.      XXXX   XXXX   XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I XXXX received a letter from JP Morgan Chase in the month of XX/XX/XXXX about my mortgage being paid in full by XXXX ; XXXX XXXX XXXX XXXX XXXX JP Morgan Chase said that they will no longer carry my mortgage. I have two mortgages with JP Morgan Chase. One is a regular mortgage and one is a Home Equity Loan. JP Morgan Chase kept the Home Equity loan and sold the mortgage for my home to a different company which is XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX I have received a statement from XXXX XXXX XXXX company on XX/XX/XXXX, stating all sorts of different amounts to be paid to them directly. I do not understand the payment statement and I've never received any documentation from this company. I will like my mortgages to be investigated. I have tried to resolve the issue with both lenders but they're very rude and uncooperative. I felt like I've been bullied and do not know if the payment amount is correct. I'm not sure if the interest rate is also correct on this statement. I want to pay my mortgage. It's a one family home and I've been living here with my family since XXXX. My sweat and blood went into this home and I'm not sure if I've been taken advantage of. I also wanted to add that I pay my own property insurance since XXXX. This is not included in my mortgage. I hope they're not charging me for insurance. Please help me thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
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:
Please DELETE and and all of the FOLLOWING NOT COMPLIANTLY or NOT PROVEN COMPLIANT REPORTING ACCUSATIONS or any DEROGATORY or adverse aspects of the accounts listed below

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 2021-09-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed two ( 2 ) disputes in regards to the erroneous collection account on my credit report. I disputed the validity of the debt however XXXX XXXX XXXX has continued to violate the FCRA by reporting the negative account to the credit bureaus and refusing to supply me with documentation validating the debt. The collection agency and credit bureaus have both failed to provide any documentation that supports that the collection account belongs to me. I have made several attempts to get this erroneous account removed, however the credit bureau continues to " validate '' the collection account without doing their due diligence and without providing any documents, contracts etc that connect me to this debt.

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 2022-04-13
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 the following companies listed below have violated my rights as a consumer. 

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

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX 2. Us Sm Bus Admin Oda XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
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: Information belongs to someone else

Complaint:
Please DELETE and and all of the FOLLOWING NOT COMPLIANTLY or NOT PROVEN COMPLIANT REPORTING ACCUSATIONS or any DEROGATORY or adverse aspects of the accounts listed below

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 2016-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX Revolving charge account # XXXX When I ran into some financial difficulties and got behind on my payments for several months XX/XX/2012 I was contacted by XXXX XXXX and we entered into an arrangements for me to pay my balance in full within 3 or 4 months. I fulfilled that agreement which was paid in full by XX/XX/2012. They are indicating a charge off status ( C/O ) to this date on credit history which it never was as you can see it was paid in full. XXXX needs to correct this error and remove the charge off indicators and stop the continued reporting of a charge off that means they took a loss on this charge account which is not true and is damaging to my credit rating to this day.

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 2020-03-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX  XXXX XXXX DEPTEDXXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as possible.

Company response to consumer: Closed with explanation