BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: BARCLAYS BANK DELAWARE
State: SC
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:
I noticed quite a few XXXX charges on my account. Not sure how they got there. I did remove my card off of there and closed the apple account down as well. I then called Barclay dispute line and said I need to dispute all the XXXX charges from XX/XX/2021 - XX/XX/2021. The person was nice and said there were quite a few charges and would put all of them in dispute. So a day or so goes by and I get credit for a few of them but not all. I called and the person I spoke to didn't know how to handle it and said I did receive credit. I said yes I did for a few of them but not for all of them. She wasn't sure how to go about the other ones and seemed a little lost about it. Not sure why they give credit for some but not all but here are the ones left that I didn't get credit for. 
XX/XX/2021 {$39.00} XX/XX/2021 {$37.00} XX/XX/2021 {$21.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$53.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$10.00} XX/XX/2021 {$21.00} XX/XX/2021 {$53.00} XX/XX/2021 {$53.00} XX/XX/2021 {$32.00} XX/XX/2021 {$53.00} XX/XX/2021 {$10.00} XX/XX/2021 {$53.00} XX/XX/2021 {$58.00} XX/XX/2021 {$26.00} XX/XX/2021 {$32.00} XX/XX/2021 {$32.00} XX/XX/2021 {$100.00} XX/XX/2021 {$21.00} XX/XX/2021 {$35.00} XX/XX/2021 {$32.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$21.00} XX/XX/2021 {$16.00} XX/XX/2021 {$16.00} XX/XX/2021 {$37.00} XX/XX/2021 {$53.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$32.00} XX/XX/2021 {$32.00} XX/XX/2021 {$49.00} XX/XX/2021 {$10.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$53.00} XX/XX/2021 {$37.00} XX/XX/2021 {$26.00} XX/XX/2021 {$53.00} XX/XX/2021 {$53.00} XX/XX/2021 {$53.00} XX/XX/2021 {$37.00} XX/XX/2021 {$37.00} XX/XX/2021 {$53.00} XX/XX/2021 {$100.00} XX/XX/2021 {$32.00} XX/XX/2021 {$32.00} XX/XX/2021 {$32.00} XX/XX/2021 {$37.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$26.00} XX/XX/2021 {$53.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$21.00} XX/XX/2021 {$26.00} XX/XX/2021 {$21.00} XX/XX/2021 {$53.00} XX/XX/2021 {$32.00} XX/XX/2021 {$37.00} XX/XX/2021 {$10.00} XX/XX/2021 {$32.00}

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 monetary relief
Consumer complaint received 2017-06-01
Company: First Direct Lending, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We closed our mortgage wit h First Direct Lending o n  XXXX   XXXX ,    2017. The clos ing costs were {$800.00} more than we were told. We were told that day verbally we would get a check or direct deposit into our checking account. Then we were told in emails. We have not gotten  it. ( See Attachment A -  G. ) It has been very disturbing with all the excuses and time that we have gone through. Attached are those promises circled in red. We have made several calls and have written all the officers of the company and have not gotten any replies exc ept one which said we would be contacted within 24 h ours.   That was 2 months ago.     This process has time and energy draining as well as exhausting.   Thank you for your help.   Yours truly,  XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-17
Company: BARCLAYS BANK DELAWARE
State: CA
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:
Back in XXXX of XXXX I was a victim of identity theft I have hard inquiries from XX/XX/XXXX until XXXX of XXXX on my credit that I didn't run also I have credit cards that were fraudulently used due to my identity and the companies don't want to clear it up like Barclays Bank from Delaware the amount they say I owe is {$1900.00} that account has been jeopardize due to Identity theft somebody tried to make a false payment and I'm paying for it also have a lot of closed accounts that I didn't apply for

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 2021-06-13
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: Old information reappears or never goes away

Complaint:
i have been complaining with the CRAS for months ( XXXX, equifax, and XXXX  ) about the inaccurate and unverified items that they are reporting on my credit report. not only that the items that are more than 7 years never goes away and it is stressful and causing me not to get credit. also my personal information needs to be updated as well, please assist me in correcting this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection agency out of no where added a collection to my report in which they failed to validate debt or furnish any proof of correct identity. It was reported on  XXXX  2017. I am not aware of this collection and it is messing up my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On  XXXX   XXXX ,  XXXX  I receive d two snapshots o f my monthly statemen t. One advi sed that I owe {$160.00} by  XXXX / XXXX / XXXX  and the other statement advised that I owe {$0.00}. I called Navient because I continuously receive conflicting information. When I advised that representative that the statements are conflicting and that I was advised  by Navient through the CFPB that I am currently on an IBR with a $  XXXX  monthly payment he then advised that the {$160.00} were late charges. I advised the representati ve that I should not have accrued any late charges becau se Navient mi sapplied a payment back in  XXXX   XXXX  which resulted i n my credit score dro pping  XXXX  points. Navient reported to the credit bureau in error that I did not make a payment in  XXXX   XXXX  and had to research and attempt to fix m y credit score fr om  XXXX   XXXX  through  XXXX   XXXX .  Navient could not fix my credit score so they removed the tradeline and advised that my IBR is $   XXXX   monthly payment. Navient  was charging me a monthly payment and should not have been charging me based on my IBR.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have  XXXX  different FICO scores my bank is  XXXX   XXXX  is  XXXX  an d Trans Union  is  XXXX  this turns out to be a big difference and puts me below the  XXXX  because of  Trans Union w hy is there not a standard method for this use I called  Trans Union a nd they said they have their own way of calculating the score this seems really unfair any help would be appreciated

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 2021-11-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received an email asking if I would like to have my vehicle wrapped for advertising purposes and received {$2000.00} a month. I stated I stated yes and asked what the requirements werequirements were. They said that they would send me a check for {$4900.00} and I would send {$4400.00} To the wrapping company and keep {$500.00} as my 1st installment. I received the check in 2 days and deposited into my Wells Fargo checking account. I received another email 's telling me to use XXXX to send the {$4400.00} to the wrapping company. As this was the 1st time I was using XXXX I was only to able to send {$500.00}. I was directed to send the {$500.00} to a XXXX XXXX And use a wire transfer to send the remaining money. I did send {$500.00} to XXXX XXXX But I started becoming suspicious and did not send the wired transfer the same date. The more I asked about the wrapping company the more suspicious I came and Icontacted Wells Fargo and they told me that it was a scam that they had run across before and cancelled the wire transfer. I filed a fraud claim with Wells Fargo fraud department And explained the circumstances. I was issued claim number XXXX. I received a letter approximately 2 weeks later stating that my claim had been rejected because the money had gone through XXXX with no problem and I was the one that had initiated the transfer. I have just got done talking to the fraud department again at Wells Fargo and they said there was nothing they could do. They are a multi XXXX dollar company and I and I am a retired pensioner living on social security and a retirement. {$500.00} is a lot of money to me.. I am upset because they publish using XXXX knowing that people can not get their money back From them. I know Wells Fargo is insured through FDIC And {$500.00} is a drop in the bucket to them. After going on the sales website I have seen numerous complaints basically the same as mine dealing with frauds and scams. Several people had contacted you and had gotten results and this is the reason I am contacting you and hoping that at whatever you do might push Wells Fargo into returning my money. Thank you very much

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 2022-03-22
Company: Experian Information Solutions Inc.
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 contacted the credit bureau in question in regards to inaccurate information that were being reported onto my credit report and it has been more than 30 days and they have not provided no response.

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 2019-12-12
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CMRE credit bureau showed up on my credit report with an erroneous charge for $XXXX for XX/XX/2018. This was sent to them for collections by XX/XX/XXXX (part of XXXX XXXX XXXX). When I called to inquire the person on the phone was very rude (I filed a complaint with manager). At first he would not tell me the name of the place that sent me to collections and then he wouldn’t give me the contact information so I could call to inquire. He told me not to tell him how to do his job when I asked for the information. He then hung up on me. I spent over 6 hours calling back and forth to the XXXX XXXX XXXX, my insurance XXXX XXXX XXXX and CMRE. XXXX XXXX said they had an incorrect address ( I never received any notice and they confirmed this) and they billed the incorrect insurance, they said CMRE would have to bill XXXX. XXXX said they will pay it if someone sends the bill and both CMRE and XXXX XXXX won’t send the bill for payment. This is impacting my credit negatively and creating hardship. I do not know what to do next. The bill should have been sent to my insurance originally. 
Please contact me at XXXX XXXX XXXX, or email XXXX. Both agencies are  at a stand still. I left a voicemail for a manager XXXX at CMRE and spoke to another agent XXXX, XXXX   said she would only set up a payment arrangement (I don’t have $ to pay and should have gone to insurance) and XXXX never called me back. XXXX at XXXX XXXX said her and supervisor stated tey cant do anything and to go through CMRE and get names if they don’t send bill to call them back I did and no response has been received.
I want to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
EXPERIAN I HAVE SENT YOU MULTIPLE CERTIFIED LETTER REQUEST TO UPDATE MY PERSONAL INFORMATION. YOU ARE WILLFULLY REFUSING TO DO SO. I HAVE SENT IN PROOF OF IDENTITY AND YOU STILL REFUSE TO UPDATE MY PERSONAL INFORMATION. IVE BECOME ABSOLUTELY STRESSED BY THIS PROCESS THAT I CONTINUE TO SEND MONEY FOR POSTAGE AND YOU STILL HAVEN'T FIX THE ISSUE!

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 2017-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In  XXXX     2016, Capital One char ged me an annual fee. I called up customer service and had them close out my card to remove the fee. This was supposed to be done per customer service.  XXXX  and  XXXX  came and I receiv ed zero mai l correspondence until late  XXXX  when I was told my account was 60 days past due plus on top of the annual fee they charged me  XXXX  late fees. Again, this card was supposed to be closed out therefore not giving me a 30/60 day late on my credit report. I tried to speak to customer service several times but they just hangup on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Back in XXXX of this year, I disputed a collection account on my Transunion credit report from XXXX XXXX. This account had previously been deleted because it did not belong to me. Transunion reinserted this collection account back on my credit report without notification. Which is a violation of the FCRA of ( A ) ( 5 ) ( B ) ( ii ). When I notified Transunion of this violation, they returned the account as verified. That was not my request. It needs to be removed. Also, I'd like to ask, How was this account Verified? What was the method of verification? Where is the proof of this verification? I am requesting a hard copy of this proof with my wet-signature binding 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 non-monetary relief
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1 ) Account Name : XXXX XXXXXXXX Account Number : XXXX Amount : {$780.00} 2 ) Account Name : XXXX XXXX Account Number : XXXX Amount : {$660.00} 3 ) Account Name : XXXX XXXXXXXX Account Number : XXXX Amount : {$5100.00} paid by my insurance I also have XXXX insurance with them at the time 4 ) Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$150.00} 5 ) Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$760.00} 6 ) Account Name : XXXX XXXX Account Number : XXXX Amount : {$730.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXXXXXX is incorrectly reporting me delinquent on my account when I am on a forbearance. They have damaged my credit. I have tried in every way possible to come up with a solution for them to have this removed for now and now they dont wan na work with me because of my credit. I need help with this. All three credit bureaus are impacted due to XXXX reporting this

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 2020-04-22
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: Information belongs to someone else

Complaint:
ftc violatons attached and cases that my information pertains too

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 2022-04-26
Company: Block, Inc.
State: IN
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: Card was charged for something you did not purchase with the card

Complaint:
FRAUD SCAM 911 People or cash app used the money out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: CITIBANK, N.A.
State: FL
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:
On about end of  XXXX  of  XXXX  I order  XXXX  pairs of shoes fro m Macys.  I received  XXXX  pair only. I called them and they re order me the other pair. When I received them, they where too big. I returned them in the store located in  XXXX   XXXX  in Florida on  XXXX   XXXX  of  XXXX , I have a received from the store. I later get a bill statement from  Macys char ging me for this item. I called them and after abou t 15 mi nutes of listening to all these offers before getting an agent, I explained the situation to the agent. She said that I still owe the shoes, I gave her the number on the received and she had to call a supervisor to adjust my bill. They said that my balance will be adjust within 48 hours but that it will be on  XXXX  balance.   The following month I received another bill, I am upset at this time. I called again customer service and again afte r 20 mi nutes of offers, in this case I am furious how difficult it is to get through someone before listening to all these offers. I explained the situation to the agent, she was very polite but at this point I had no care for politeness, I want to speak with a supervisor because she was not understanding my problem. She explained that I owe the amount for what ever reason, I was not interests at this point, I wanted a supervisor, I gave her the name of the supervisor that I had from the previous call and that is when she put me on hold. she came back stating that there was a mistake and that they will adjust my bill and that my balance was  XXXX .   Again, this month I received another bill with late fees and all. I tried to call customer service, but it is ridiculous how you are placed to offers one after another, running my phone minutes. at this time I am done trying. I do not know what else to do or who to go to. Please, help!!

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 2017-06-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, this is  XXXX   XXXX  and I had a concern regarding   XXXX   placing a  thirty  day late on my account in  XXXX  of    2016. I was not supposed to be reported for this late, according to a manager i spoke wit h. I saw that I was and would like help to resolve this immediately please.     I had not received any statements and I had reported them lost or stolen to  XXXX . I was never late to pay a bill it was just that the statements went mission and unnoticed by my family. The representative I spoke with was understanding and told me no issues would come from this and yet I noticed a year and a half ago they did place a late on my  XXXX  credit reports and this has affected me terribly. This is not fair and not what was supposed to happen.

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