BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
Company: BARCLAYS BANK DELAWARE
State: OH
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:
Last year, I made an online purchase for a battery powered XXXX nail XXXX. The charge amount was {$76.00} and it was placed on my XXXX XXXX XXXX XXXX XXXX XXXX. The company took quite a long time to send me a package. When they did finally send me a package, it was a pack of disposable face masks - NOT the nail XXXX. So I requested a refund from the company. They wouldn't agree to that, but said they would send me the original item. Because of how long it took disputed the charge with my credit card, and because this company was from out the country and I felt this was probably a scam, I would not agree to that. I just wanted a refund. So I disputed the charge with XXXX. Initially, XXXX 's negotiated a settlement with the company : they would let me keep the face masks and refund some of my money less {$15.00} for shipping. Then a second offer was made to me to refund my money less 10 % of the purchase price. I declined both. Why should I pay for this mistake? I just want my money refunded. All of it, not part of it. After I told this to XXXX, they kept my investigation file open and kept saying to call them back in XXXX weeks. I did this several times. At one point, they even closed my file but didn't tell me about it! So they reopened it in XX/XX/XXXX, and asked me to send them a picture of the wrong item XXXX the face masks XXXX. So I did that by fax. I kept following up with XXXX after that, asking for a status on my dispute, and questioning if they received my fax. and they kept saying, call back in XXXX weeks. So I would call back and get the same instructions. Finally, in XX/XX/XXXX I asked for a supervisor. The supervisor called me back XXXX weeks later and said it had been too long and they closed my file! This is not right. XXXX is responsible for not following up with ME. I received no letters or phone calls from them, just " call back in XXXX weeks '' whenever " I '' called THEM.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have sent in two different dispute/complaints letters XX/XX/2022 and XXXX XXXX asking the companies XXXX, and TransUnion to verify, method of verification used, + original contracts. XXXX or TransUnion has yet to remove the derogatory account from my credit report or produces verification method used to verify the account or original contracts.

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 2017-08-22
Company: DRAPER AND KRAMER MORTGAGE CORP AND ECLIPSE MORTGAGE LLC
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
This entire process with XXXX XXXX started XXXXPresent I was issued a mortgage commitment on a home that I ended up not moving in to due to a bad septic system. XXXX XXXX told me that everything was okay that I just needed to find another home. Upon doing so and spending even more money to complete the process on the day I was supposed to get the new mortgage commitment XXXX XXXX has now stated that there 's a problem with my loan and he could not issue me the commitment. Which I do n't understand since nothing on my side has changed. I am a single mom of XXXX children and we are homeless. I am staying from place to place and living out of my XXXX  XXXX XXXX blames this entire situation on the seller 's agent XXXX XXXX insisting that since she was pushing to get this deal closed for her clients she brought a lot of attention to my file which cause the hire ups to go through my file and flag it. And also due to the original underwriter quitting and a new underwriter was working on my file. From the very first conversation XXXX XXXX had always assured me that he would be able to get me approved he just needed the right strategy. I believed and trusted him so much that I moved out of my home with my children. Placed all of our belongings in storage and now we have nothing. I have spent well over {$7000.00} in this entire process. I have all the correspondence and XXXX preapporvals and a mortgage commitment doc issued by XXXX XXXX. Please contact me in regards to this matter. So much has transpired and I now have no money, nowhere to live, and no idea what to do. XXXX is starting in XXXX weeks and I do n't even had an address to use so that I can register my children for school. Completely Devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TODAYS DATE:XX/XX/XXXXXXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX   system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian  ), and Richardson v. Fleet, Equifax  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXXr system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX, FL 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 2022-01-19
Company: Credit Bureau Services Association
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBSA responded to my last complaint with lease agreement with XXXX XXXX but failed to verify that I owed any debt. This lease is not proof that I owe a debt. The organization also failed to to produce a contract that expressly authorizes them to collect on the alleged debt which is consider unfair practices. I have also challenged CBSA to provide proof of any services or compensation that they rendered me under the penalty of perjury. Failure to do so is false representation. CBSA should be aware that itis unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Lastly, I demand CBSA to cease and desist all communications including all consumer reports immediately. All of these are violations of the FDCPA and failure to follow these demand will lead to legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Island Finance Puerto Rico
State: PR
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:
I spoke over the over phone with XXXX XXXX, XXXX Island Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and with their Island Finance Assistant Manager named XXXX XXXX XXXX, because no matter I did not authorized the credit inquiry at their Island Finance website, no matter I never clicked the submit application button, and closed the web page, the Island Finance website submits the application in a potential client started to fill their online application as I did, no matter like in my case, I never clicked the accept they can make a credit inquiry box, or much less submitted the application by clicking the final submit. XXXX XXXX informed she will submit the claim where this is going to be explained just as I told her over the phone, because I was sure that if the final submit is not done by a potential customer and the boxauthorizing the inquiry was not selected either, if the web page is closed, there was no way the application can be submitted but that is not the case, this is one more thing against online transactions. The asistant manager Miss/Mrs. XXXX said my claim is handled by a different department and that they will call me tomorrow, or if not, I have to call them. 
No matter her over the phone explanations, I found this online procedure incorrect, unfair, and there is no justification to make a hard inquiry if the customer decides not to submit the application and closed the web page. Also, the assistant manage said clearly this is on the hands of other department, without giving any time frame to solve this. Is a practice that has to be eliminated by any financial institution, There is no justification, no matter the client started to fill the application as I did, if any potential customer decides not to submit the application, the application can't be submitted and much less, the hard inquiry can't be made because it was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Funding LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has been sending me collection notices for XXXX different accounts in the amounts of XXXX, XXXX, & XXXX. These collections has been reported as past due balance. I do not know this company. I have never done any business with this company. I have sent several debt validation letters to this company and requested a contract with my wet signature on it to be sent to me to me and they have failed to do so every time. The accounts were removed from my credit report on XX/XX/XXXX then re-added several days later without any notice to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-22
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They are double charging me for an eviction from 2013. Account : XXXX XXXX & XXXX XXXX They are double charging us for an eviction that we received XXXX 2013. The apartment complex sold the collection to a third party which is Procollect INC. They are in turn trying to double charge us for Insuffcient Notice Penalty charges in the amount of {$1300.00} times two for a total of {$2700.00}. A lease termination fee in the amount of {$190.00} times two for a total of {$380.00}. Along with the other ludicrous charges of resurfacing the tub in the amount of {$170.00} and shampooing the carpet in the amount of XXXX. I say this because there was n't any damage with the tub nor the carpet, both were very clean upon departure and we also did a walk out with the leasing office along with a checklist and nothing was wrong. Both her and I signed off on it! We only stayed in the apartment for a total of 3 months. It clearly states charges for " XXXX ''! As highlighted! Rent was {$680.00} per month. And with all these fraudulent charges we now have a grand total of {$5400.00} owed. This is bogus!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hey my name is XXXX XXXX XXXX bank with capital one my account number is XXXX I filled a claim on XX/XX/2022 because capital one was holding my funds in my bank account and didnt want to let me withdraw any so on XX/XX/2022 I check my bank account and all my funds was gone so I called the bank to see where the funds where transferred to and they said they sent the funds back to my lender. So I called my lender and my lender said they havent received my funds and they said I need to get a tracking number from my bank. So I called capital one to get the tracking number and they told me they dont have access to that. So I told the lender that and they said the bank should have that information. So I was wondering if you guys could help me track my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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:
I contacted all creditors in this Matter XXXXXXXX XXXX XXXX and XXXX and informed them that my identity, wallet was stolen and fraudulent activity took place while I was oversea in the Military. I have filed police reports submitted consumers reports and the debts were removed and return. The debts are not mine as they are fraudulent. On ( XX/XX/2017 ) I discovered ( negative credit items with XXXX XXXX and XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. The data is wrong and both the reporting agency and bureau are not following guidelines adhering to FCRA. If this matters are removed I will have not choice but to file a lawsuit against all parties involved.

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 2018-09-06
Company: Experian Information Solutions Inc.
State: ND
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:
Was notified on XX/XX/2018 that my disputed account # XXXX XXXX XXXX XXXX XXXX XXXX with XXXX  was going to be deleted from my credit report by the request of the creditor. Received a letter from creditor stating that they could not verify late payments to this account, and they sent me a snapshot of my account being paid in full with no record of late payments ever. Have sent numerous disputes to all 3 credit bureaus and to XXXX   about the deletion of the account from my credit reports, but the account remains on all credit reports, and is negatively effecting my score.

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 2021-08-23
Company: OPORTUN FINANCIAL CORPORATION
State: NC
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 have filed a dispute through XXXX Credit Bureau and I have called the company twice onXX/XX/2021and XX/XX/2021. The name of the company is Oportun Inc/Progresso Finance. I have been a victim of identity theft and the debt that is indicated on my credit report does not belong to me, as I never opened an account with this company. The amount of the initial loan is {$2600.00}, which is now {$2800.00}. Oportun Inc/Progresso Finance claimed that an investigation was initiated, but this information is still included on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection agency reporting that the debt is from XX/XX/XXXX. The debt if from XX/XX/XXXX. 

Returned cable boxes in XX/XX/XXXX of XXXX. We were charged for the entire month. 

My credit score is over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 had a vehicle financed through XXXX in XX/XX/XXXX. XXXX charged the vehicle off as bad debt in XX/XX/XXXX and wrote it off in taxes as bad debt. Therefore, they received a XXXX as income. They are still reporting a balance and trying to collect for it after writing it off. The vehicle was totaled and XXXX XXXX paid XXXX {$5200.00} in the total loss settlement and XXXX released the lien and turned it over to XXXX XXXX. XXXX XXXX now owns the title and the vehicle. Yet XXXX is still reporting an owed balance on my credit report and will not remove it and told me I would still have to pay {$9000.00} in balance for something they wrote off on taxes and collected from the insurance company.

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 2017-08-22
Company: SUNTRUST BANKS, INC.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
ON XXXX XXXX,XXXX INTERNATIONAL WIRE SENT IN AMOUNT OF {$350.00} PLUS {$50.00} FEE. CORRECT ROUTING NUMBERS, BANK, ACCOUNT NAME AND NUMBER ON TRANSFER USED. WIRE NOT SENT TO INFORMATION GIVEN. ON XXXX XXXX, XXXX CERTIFIED LETTER RECEIVED FROM SUNTRUST BANK SAYING BANK ACCOUNT WOULD BE CLOSED BY XXXX XXXX, XXXX. ACCOUNT HOLDER XXXX XXXX XXXX HAD NO PROBLEM WITH ACCOUNT BEING CLOSED. WHEN XXXX XXXX INQUIRED ABOUT NON DELIVERED WIRE AT XXXX. HE WAS TOLD TO CALL ANOTHER NUMBER. XXXX. THEN HE WAS GIVEN ANOTHER RUN AROUND TO CALL THE BRANCH OFFICE. THEN SUNTRUST CHARGED ANOTHER {$25.00} TO PUT A TRACER ON WIRE. THE WIRE HAS WENT PAST THE DELIVERY DATE IT WOULD BE MADE AVAILABLE. XXXX XXXX IS IN THE OPINION AND BELIEF SUNTRUST BANK CONSPIRED TO HOLD THAT WIRE ILLEGALY AND CLOSE ACCOUNT CHARGING EXTRA FEES AND TAKING THE FUNDS WIRED. COMMITTING A CONSPIRACY TO DEFRAUD XXXX XXXX OF HIS FUNDS AND EXTRA CHARGES

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 2022-08-25
Company: JPMORGAN CHASE & CO.
State: GA
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:
Chase are blocking access to my account thus preventing me from making timely payments thus causing unnecessary late payment fees to apply. Also, they do not have the right to force a customer to pay for telephone service in order to access his account. 

I can't get into my account to pay my credit card because I do not have a telephone now to get a code to use in addition to my password. I am now living in XXXX for a while, and I don't yet have a telephone number. My old telephone numbers are not valid. 

Chase do not give an email address for contacting them about this problem. They only give a telephone number, and I can not call them using a public pay phone. Even if they had a foreign toll-free number, I can not stand out in the sun inserting coins in a pay phone to make a foreign telephone call to them. 

With this Catch 22, they are able to collect late payment fees because I have no way to pay off the small balance on my Chase Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX/XXXX/XXXX Release of Tax Lien State of Alabama {$XXXX} Docket # XXXX XXXX/XXXX/XXXX Release of XXXX XXXX State of Alabama {$XXXX} Docket # XXXX tax liens and judgments will be removed from credit reports if they do not include the proper information identifying them to the individual Per state law

Company response to consumer: Closed with explanation