BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: LA
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 lieu of sending appropriate documentation to EXPERIAN, EXPERIAN refuses to comply with FCRA guidelines in consumer reporting. consumer violations 602, 603, 604 of 15 usc 1681. see attached

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 2022-12-23
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Barclay Bank issued a line of Credit ( Gap Rewards Card ) to me at an address I had not lived at for quite a few years, I called them when I received notice of a bill and told them of their error, and was assured that the problem would be taken care of ; I kept receiving notices, I called them again, they had no notes of the first time I called them, again I was assured that the problem ( talked with the fraud department ) was taken care of, I still received late payment notices, I called them a third time ( yes they had the notes of the second time I called them ), the guy in Fraud was keeping me on the phone for a long time about the outstanding charge on the card ; I told him ( non-English speaker btw, all of them ) that he was wasting my time and that they are the ones that issued the line of credit to the wrong person, said I was going to file a complaint if Barclay 's did not leave me be ; Barclay 's closed the account and then they ( Barclays ) informed the Credit Reporting Agencies that I was 30 days past due.

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Pursuant to my previous two complaints filed here, Comenity Bank has most recently responded by urging me to send them a letter requesting the opening of a dispute. 

I have no intention of playing their games any further ; when I originally contacted them months ago my intention was to open a dispute. I had been under the impression that this was already resolved, until the events that prompted me to make my last complaint here to CFPB. 

I badly require assistance in this case, because every time I raise the issue with Comenity Bank they hand it to some new person who has no idea what is happening. All I know is that they lie to me and they stonewall the case. There was nothing that I ever did wrong, I have my outstanding credit card bill with them, I am a timely payer and have never missed a payment. They manufactured a problem and are now trying to cause me grief. 

Please! Please do something other than forwarding the complaints to that company ; they are not going to do anything other than to attempt to place further burdens upon me. I am severely XXXX and am an elderly man. I'm worried that this business is going to affect my future monthly payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23
Company: Adler Wallach & Associates, Inc.
State: CA
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:
Most recent letter sent was XX/XX/2022 Ive tired to reach out many times before, never receive a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: FIRSTBANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted First Bank XXXX XXXX  ) on XX/XX/XXXX  about multiple unauthorized charges on my account. The amounts totaled XXXX and were charged to my debit card. 

These amounts were disputed and I received a new debit card in the mail. However on XXXX I logged into my First Bank account and noticed that the account was closed. 

I received a phone call from my local branch indicating they refused to dispute the fraudulent transactions and that they were closing my account. 

There was no other communication in writing indicating the reason nor any supporting documentation. First Bank refusing to resolve these unauthorized charges are a violation of the agreement between the card issuer ( VISA ) and the backing bank. 

Additionally per the First Bank user agreement account holders are not responsible for transactions that are not authorized and/or fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and found improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account Name : 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.

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 2023-06-06
Company: The Stark Collection Agency, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We had service with XXXX XXXX for over a decade. Our HOA changed to XXXX XXXX so we called XXXX  and canceled service. We called their XXXX number and spoke with them and was told the account was cancelled. We have always paid with an automatic debit on our CC. After cancelling our credit card was charged again. We contacted XXXX for a second time and cancelled. We were again told by the customer service that the account would be cancelled and no further charges would be made. They said they had no record of the first phone call. The next month rolled around and they charge our CC again. We called them a third time and told them that this was fraud and it was not okay to continue to charge our card. We told them to make sure the account was cancelled and we would be contacting our CC company to report the second charge as fraud. We sent the info to our CC company and they denied the second charge. We heard nothing more from XXXX about the matter. We then get a letter from a Collection agency saying we owe XXXX. We contacted the agency and they said they could do nothing and to take it up with XXXX. I have spent over an hour on the phone today and gotten nowhere. They say they have no records of our phone calls to cancel and the charge is valid. They said if I can't produce days and times of our calls they can't do anything. This is how loyal customers of over a decade are treated. They conveniently have no record our calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: JPMORGAN CHASE & CO.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Urgent <p> Extension to the previously filed complaint # XXXX submitted XX/XX/XXXX <p> On XX/XX/XXXX, at XXXX XXXX an aggressive man, hired by JPMorgan Chase Bank banged on my door and demanded I open it. I was in fear and did not open the door to him. The following morning, posted on my front door for anyone to see was a lawsuit labeled from JPMorgan Chase Bank NA v XXXX XXXX ( me ). After my previously filed, and closed CFPB complaint, and regardless of my conversations with my creditor, my letters sent certified, and their receipt of {$12.00} XXXX in American Rescue Act Funds, meant to help people struggling with debts during a global pandemic, they sued me and successfully won the award of {$30000.00} on XX/XX/XXXX. The case was presided over by XXXX XXXX XXXX. 
XXXX Though I am unemployed and have no retirement fund, savings, or other assets, I am selling my home to pay the debt I owe them. Presently, I am in escrow which is supposed to close on XX/XX/XXXX. The hold-up is with JPMorgan Chase as the escrow officer is dealing with the matter has stated. Her address is : XXXX ( XXXX XXXX XXXX ) <p> Though my future is bleak, and I have nothing but this condo, I am selling it so I can pay JPMorgan Chase Bank. I wish to pay them directly and not some third-party attorney. I wish to pay them the award amount of {$30000.00} without post-award interest per the proceedings. I wish to pay them on or before XX/XX/XXXX but I can not do that based on how they've set things up. 
XXXX I ask the Consumer Finance Protection Bureau to connect me with the legal ( or appropriate ) department at JPMorgan Chase so that I may sell my condo and pay them their award. I need to do this quickly because we are scheduled to close in a matter of days. I don't agree that I owe any more that the award with was thousands more than I ever borrowed. Know that they only escalated my debts during the pandemic, and then sued me for more though they accepted government funds that was meant for the people. I would appreciate a contact person, with email address and phone number who can quickly address this matter, and accept my payment of {$30000.00} per their award WITHOUT POST JUDGEMENT INTEREST. 
XXXX> Every cent matters to me. My situation has only worsened since they were awarded this judgment and I need help clearing the debt. Further, you should know JPMorgan Chase was not required to provide the agreement between us during the proceedings, all calls and correspondence were not provided during the hearing, and they weren't required to mail me any warning letters because I had signed up for electronic statements. This should change for all consumers protection. 

Thank you for your swift assistance. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Citizens One has been auto drafting my monthly payment each month since I opened the account. XXXX XX/XX/2023, I called Citizens One and asked to stop my automatic withdrawals from my account. I was told by the representative that I have to have automatic withdrawals for that particular loan. I told the representative that I was pretty sure that is against the law and was advised there is no way to remove any of my account information, previous or current, and no way to stop the automatic withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: OK
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:
XX/XX/XXXX : I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with the additional gap warranty coverages XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX refused to fix the XXXX connect panel burnt wires and/or swap out the vehicle XX/XX/XXXXXXXX  : The vehicle was sold by the financer XXXX XXXX and a balance of {$12000.00} remains on my credit as a write-off and should be or needs to be paid by the security plus XXXX XXXX XXXX purchased XX/XX/XXXXXXXX  ; the remaining balance should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: CITIBANK, N.A.
State: MO
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 602 A section 2 : it also states a consumers reporting agency can not furnish an 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 any purpose.

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 2022-12-22
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received notice in XX/XX/XXXX for loan # XXXX that sometime in XXXX they would be doing my XXXX XXXX. I had a payment scheduled for XXXX and marked Custom on the payment and made notes on the account that the amount was to be applied to XXXX. I paid a total of {$1100.00} of which the amount due on XXXX is {$1000.00}. I made notes on the account to please include the XXXX in there XX/XX/XXXX XXXX XXXX. 

I did advise I was paying the balance on XX/XX/XXXX which should bring my Mortgage payments up to date before the end of the XXXX. However, Rocket Mortgage XXXXXXXX XXXX  did the analysis on XX/XX/XXXX and failed to include the amount I had paid towards " XXXX '' as a result they say I have a shortage. I have contacted them XXXX XXXX to tell them they did the analysis prior to the full payment of the XXXX  which I did pay post to the account. They based their analysis on the funds that were there and refuse to take into consideration the amount that cleared. Their refusal to consider the amount that I said was to be applied to XXXX, they are now asking for an ADDITIONAL {$1100.00}. XXXX of the reps I spoke to said that I was ok that it would balance out automatically, that there was only a shortage of {$7.00} due to a small increase in taxes. I paid the {$7.00}. Then, The mortgage company took the monies I had paid part of my XXXX Mortgage payment whose portion is XXXX and added it back showing that I owed {$2400.00} or something to that effect. 

I have called them XXXX XXXX to tell them that I was NOT going to pay an additional {$1100.00} because they have the monies pending in the account when they did their XXXX XXXX, and they did not include the partial payment I had made because it did not reflect on my account until XX/XX/XXXX. I have contacted them XXXX XXXXs about this error/issue and they refuse to adjust the Escrow and are asking for an additional XXXX by XX/XX/XXXX which already was applied to the account on the XXXX XXXX which had not cleared & post to XXXX when they did their " so called '' analysis. They are trying to rob me of my monies and force me to pay more on my mortgage when they alredy have the money. My insurance is not due until XX/XX/XXXX. 

I am the sole provider for my household and everything has gone up and I am doing XXXX to keep up with my payments so that they are paid in full before the end of the XXXX They should have better listening skills and correct my account & include the monies I already paid and they failed to include on their analysis due to a timing issue. 

This is a big deal because my mortgage should go down by {$100.00} and it is all due to Rocket Mortgage failure to help me.I can not dish out almost XXXX for a mistake or failure to verify or adjust accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: CA
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:
According to 15 USC 1681i Experian, XXXX, and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. They did not record the current status as disputed information which is a violation. These accounts are in violation and proof are provided below. 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 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is a previously disputed account with XXXX and XXXX. No method of verification was provided. According to 1319.12 O.R.C.- ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

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 2023-06-06
Company: NAVY FEDERAL CREDIT UNION
State: KY
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:
I thought that I was on automatic debit, but it was actually not set up. This resulted in a single late payment that dropped my credit score almost 100 points. I called and was told that automatic debits can not be set up over the phone, even though previously I was told it was, then I was told to set up online which I did but it still was not set up. Called again and was told it is not possible over the phone or online and I was sent a form to set up. This has been a back and forth with Navy Federal. The only resolution for their error was a suggestion to dispute with the credit bureaus. I explained that would do nothing if Navy Federal validates the late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/XXXX and XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : 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