BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: BARCLAYS BANK DELAWARE
State: FL
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:
There are XXXX credits that were submitted by a vendor : ( XXXX XXXX XXXX ) The credit has not appeared on my statements nor has anyone at Barclays apparently done anything to resolve the issue. XXXX credit for {$250.00} was issued by XXXX on XX/XX/XXXX The other credit {$500.00} was issued by XXXX on 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 explanation
Consumer complaint received 2019-12-23
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed this debt last month with Penn Credit, requesting documentation that I have not yet received! They however, have verified the account with the credit bureaus several times!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
see attached debt validation/ bona fide dispute

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 2017-07-25
Company: CORELOGIC INC
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:
Inquiries are showing more than once on my credit. Some of which I do not recognized. XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from 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 explanation
Consumer complaint received 2021-07-22
Company: T.S. Holdings
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of this debt in the amount of {$1100.00}. I never received a debt validation notice and no one never contact me. 

*** Debt Collectors are required by Fair Debt Collection Practices Act to send consumer a written debt validation notice with information about the debt theyre trying to collect. It must be sent within five days of the first contact. 

**Debt collector is violating Fair Debt Collect Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Paypal is wrongfully holding my refund from a seller. 

Paypal id is XXXX It is nothing suspicious about this.. it is a simple refund from a seller and Paypal is wrongfully holding my balance to transfer to my checking account. 

{$140.00} USD is in hold right now and {$140.00} is not sending out to my customer.. 
Please see the screen shot below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 at XXXX cst, I called chase card services a spoke with a representative by the name of XXXX which stated her employee Id number as XXXX. After being transferred, placed on hold numerous times, and on my lunch break with limited time, I asked XXXX for the lowest settlement amount that can be taken by company policy, I informed her I did not want to go back and forth I have to get back to work. XXXX provided misleading and inaccurate information in regards to the lowest settlement offer. She placed me on hold and came back with an amount that was not the lowest amount but attempted to give me the perception it was. I then requested a manager, she placed me on hold and acted as if she was going to get one. After that she came back, provided me a lower amount than what she initially quoted but refused to transfer to a manager stating they are just going to tell me the same thing. She was very rude and condescending. I felt as if she was talking down to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am a member of Experian. I tried to access my account last night to check my report and was told that I had entered the incorrect username or password. I had not. When I tried to reset my password, it asked for my pertinent information : First Name, Last Name, Birthdate, last 4 numbers of my SSN and my mother 's maiden name. After entering this information, it told me that I was not in the system. When I tried to rectify over the phone, it hung up on me. It is all automated and does not give you the option of speaking with a representative. I finally called a number in California and was on hold for 15 minutes before I spoke with a representative. The rep told me that Experian was migrating old accounts to a new accounts and we could not log in to our account. They could not tell me how long it will take. I never received correspondence from them even though they said that they sent emails. They would not forward the email to me. I asked the rep to file a complaint and she said she would. I am concerned.

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 2022-01-04
Company: EQUIFAX, INC.
State: TX
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:
I have reached out to Equifax and also to the collector XXXX regarding the account in question. They are reporting this account as an open account and reporting the payment history as " OK '' in the history section. however in the account status they are reporting this as derogatory account/ collection account. I was trying to investigate this account but there is not an original creditor listed for me to reach out to to validate this debt. Please have this account removed as it is hindering my credit and i cant validate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently sold to the company LoanCare. Within my original loan agreement, I was entitled to a 15 day grace period before experiencing late fees. This current company, however, has created a " servicing fee '' based on the date of payment. If I pay online before or up to 4 days after the due date, there is no servicing fee. 4-9 days, there is a {$5.00} fee and 10 days or beyond there is a {$10.00} servicing fee. I explained to the customer service representative that this fee structure was not in my original loan agreement. This " servicing fee '' is the equivalent of a late fee, as it is configured based on the date of payment, not a flat rate charge to compensate the company for a service. The 15 day grace period that was in my signed loan agreement is being violated with this fee.

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 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion has deleted this account due to fraud over a year ago. 
It was the result of identity theft, Ive never done business with this company. 

Account that needs to be removed XXXX XXXX Account # XXXX {$4500.00} None of this is correct and isn't mine. 
This should have never been reuploaded to my report. 
I will be pressing legal action against transunion if it is not removed.

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 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two loans of two properties with bank of America, I had 18 months COVID XXXX forbearance for both of the loans, between XXXX, XXXX - XXXX, XXXX, which ended end of XXXX, XXXX, I have made XXXX regular payments since then. 
The bank didn't apply the payments and forced me to pay all the payments during the 18 months of forbearance period. Right now they sent me letters said I am in default and they will sell my properties. 
Two loans with them, and the addresses associated with the loan. 
account number XXXX address XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX account number XXXX address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2021-12-16
Company: Experian Information Solutions Inc.
State: NJ
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2020-04-22
Company: DISCOVER BANK
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Contacted Discover Student Loans multiple times in an attempt to reduce the interest rate, loan consolidation, or income based repayment plan. Most recently tried this again on XX/XX/20. Told that the amount of Student Loan debt was too high. Told that the degree received did not meet the criteria to consolidate the loan or reduce the interest. 

Discussed Governor XXXX 's COVID-19 Student Loan initiatives and went through the minimum guidelines for Private Student Loans. Discover was unwilling to adhere to the minimum guidelines : Providing a minimum of 90 days of forbearance Waiving late payment fees Ensuring that no borrower is subject to negative credit reporting Ceasing debt collection lawsuits for 90 days Working with borrower to enroll them in other borrower assistance programs, such as income based repayment. 
THERE ARE 3 LOANS WITH DISCOVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
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:
There is Debt Collection from XXXX XXXX XXXX XXXX for $ XXXX1that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Here are the following accounts I want to be reivestigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have ask Experian to validate the accounts above by requiring the creditors to produce documentation bearing my physical signature of contract. I have tried in XXXX to get Experian to comply with supplying proof of their alleged investigation and validation of 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 2019-12-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Id like to file a complaint against Bank of America who I have been contacting for a long time but Im unable to interact with one decent person. Last time I made a complaint thru CFPB against Bank of America, I did a receive a call from someone who was trying to harass me over the phone. And I also remember when I spoke to the debt collection agency regarding my account, and I was told that theres nothing that I have to pay and I should contact the bank. I contacted the bank again and they werent listening anything. They asked me to contact the debt collection agency. Im sick and tired of this entire situation and I fail to understand why am I being harassed by Bank of America when I have made all the dues/payments and I dont owe them anything. 
Once again Id like to inform u the following charges due to which I have received severe harassment by the Bank of America : 1. An interest charge of {$1.00} on XX/XX/XXXX 2. An interest charge of {$3.00} and {$25.00} late fee on XX/XX/XXXX 3. An interest charge of {$1.00} and {$25.00} late fee on XX/XX/XXXX 4. An interest charge of {$1.00} and {$25.00} late fee on XX/XX/XXXX 5. An interest charge of {$1.00} XX/XX/XXXX 6. An interest charge of {$4.00} and {$25.00} late fee on XX/XX/XXXX 7. An interest charge of {$5.00} and {$38.00} late fee on XX/XX/XXXX 8. An interest charge of {$6.00} and {$38.00} late fee on XX/XX/XXXX 9. An interest charge of {$4.00} and late fee of {$25.00} on XXXX XXXX 10. An interest charge of {$3.00} and {$25.00} late fee on XXXX XXXX 11. An interest charge of {$4.00} and {$39.00} late fee on XXXX  XXXX 12. An interest charge of {$4.00} and {$39.00} late fee on XXXX XXXX 13. An interest charge of {$5.00} and {$39.00} late fee on XXXX XXXX 14. An interest charge of $ XXXXand {$39.00} late fee on XXXX XXXX  15. An interest charge of {$6.00} and {$39.00} late fee on XXXX XXXX  16. An interest charge of {$7.00} on XX/XX/XXXX A total of {$480.00} is the amount that the bank is asking me to pay. The amount was reversed but now I have been asked to pay.

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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, Account XXXX with XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that 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

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 2019-12-23
Company: Riverwalk Financial Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Last month I requested information about this alleged debt from Deville, and they refused to provide it, telling me over the phone ( which I requested that they do not call me ) that I was the debtor and that I needed to pay or face fines, imprisonment, and judgments! Another collector told me they were an authorized court agent and told me to set up payment arrangements with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: V and H Portfolio
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: EQUIFAX, 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
This loan goes back to XXXX when I became homeless, and lost my job due to XXXX XXXX in XXXX. I have a balance of {$20000.00} I believe, I am currently in XXXX school and I received a call from ACS, I told them that I am in school and my loan should be in deferment. XXXX XXXX XXXX has posted the information to the XXXX XXXX where XXXX XXXX my present loan servicer was able to access the information. If I am in school am I supposed to have the XXXX school send information to ACS directly, or is it their responsibility to get the information from the XXXX XXXX? 

I do not want them to adversely affect my credit because of this. 

Please let me know what my options are?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Lendmark Financial Services
State: KY
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 account was originally opened with a co-applicant my daughter to purchase her a vehicle. However shes filed bankruptcy and now its been closed on all 3 credit report agencies as a closed account with XXXX dollar balance however it is still showing up on mine as active even though the account is actually closed now per her attorney. The account was actually closed on XX/XX/2020. Please help me with getting this removed from my 3 credit agencies

Company response to consumer: Closed with explanation