BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
- In XXXX or XXXX of XXXX, I received a promotional mailer from Barclaycard that offered XXXX XXXX miles for spending {$2500.00} or more per month between XX/XX/XXXX and XX/XX/XXXX ( see attachment ) - I registered for this promotion using promo code XXXX at XXXX by XXXX XXXX and then completed at least {$2500.00} in purchases for the six required months ( see attached statements ) - The terms promised that miles would post to my account in XX/XX/XXXX. They did not post, so I sent Barclaycard an e-mail on XX/XX/XXXX to request an update. They advised me that they would open a case and Id hear within 30 days ( see attachment ) - On XX/XX/XXXX I followed up with Barclaycard because I hadnt heard back. They advised me that my case had been closed and that no miles were awarded. They did not provide an explanation ( see attachment )

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 2022-01-29
Company: Experian Information Solutions Inc.
State: FL
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 debt was sold from XXXX XXXX XXXX XXXX XXXX XXXX I know this because I called XXXX to make the payment, who sent me to XXXX. This debt was paid in full to XXXX XXXX on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with XXXX XXXX. I have disputed this account on multiple occasions because XXXX XXXX and XXXX refuse to report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all 3 XXXX XXXX XXXX XXXX XXXX XXXX, Experian, XXXX ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. XXXX XXXX has illegally added this account as a NEW and OPEN account on my report. Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. XXXX and Experian have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.

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 2022-01-29
Company: EQUIFAX, INC.
State: FL
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 debt was sold from XXXX XXXX XXXX XXXX XXXX XXXX I know this because I called XXXX to make the payment, who sent me to XXXX. This debt was paid in full to XXXX XXXX on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with XXXX XXXX. I have disputed this account on multiple occasions because XXXX XXXX and XXXX refuse to report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Equifax ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. XXXX XXXX has illegally added this account as a NEW and OPEN account on my report. Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. XXXX and XXXX have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Experian Information Solutions Inc.
State: MA
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:
Hello and to whom it may concern : I need your help ... Since XX/XX/2017 I been trying to reach all three major credit bureaus and the original creditors and collections companies to ratify and validate several accounts that I surprisedly found with multiple inaccuracies on my credit report. I being given runarounds for like 6-9 months now and haven't received any resolutions based on my investigation. My credit file has several inaccuracies starting with wrong personal information, wrong addresses, wrong account information, wrong DOLA, wrong acct type, etc. I would like these accounts as shown attached to be updated, and by now I WOULD more than likely wants them DELETE from my credit file. Seeking permanent deletion!!! 

XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX XXXX  Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX. XXXX =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX  XXXX =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX  XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX XXXX=>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!!

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 2022-01-29
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I made a one-time donation of {$25.00} to an XXXX XXXX organization on XXXX through XXXX. I printed the receipt which states in black and white : ONE-TIME donation. I did this donation through my Paypal account. 
I noticed a few months later that Paypal had additionally withdrawn $ XXXX for the months of XXXX and XX/XX/2021 to XX/XX/XXXX - COMPLETELY UNAUTHORIZED BY ME! I disputed the total of {$50.00} that had been taken from my Paypal money and transferred to XX/XX/XXXX with Paypal several times and they insist they did nothing wrong - I disputed further with Better Business Bureau - twice, and both times they refuse a refund. I have conveyed copies of the receipt I mentioned above to both Paypal and BBB. I do not understand how I can make a donation - never seeing an option to make it recurring and having NEVER indicated that I wanted it to be recurring- and printing the receipt which actually states " ONE-TIME '' FOR " HOW OFTEN '' the donation is made. Isn't it illegal to mishandle MY MONEY by Paypal in this way? If you can not help can you tell me what financial regulation agency I can appeal to that regulates Paypal 's handling of people 's money? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
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: Was not notified of investigation status or results

Complaint:
I have submitted numerous letters to the credit reporting agencies. And have not received any documentation proving debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please see company response as said facts : Based upon the supporting documentation XXXX XXXX provided in his fourth complaint with your office, XXXX XXXX XXXX disputes the address and drivers license state associated with the claim dated XX/XX/2013 listed on his XXXX XXXX Auto report. Please be aware that the drivers license listed on a claim refers to the drivers license number at the time the claim was made. In an effort to resolve XXXX XXXX concerns, LexisNexis initiated a new dispute of the claim mentioned above. During the investigation, XXXX XXXX XXXX confirmed that the address for the reported claim XXXX XXXX XXXX, XXXX XXXX, XXXX is accurately associated with both XXXX XXXX and with the claim in question. Further, while XXXX XXXX has indeed provided a copy of his current XXXX XXXX State drivers license, XXXX XXXX XXXX confirmed that XXXX XXXX previously resided in XXXX XXXX and insured a XXXX XXXX on a policy they underwrote at the time of the claim in question. Given this verification, LexisNexis is unable to remove the claim in question from XXXX XXXX XXXX XXXX Auto report. If XXXX XXXX has any further questions for LexisNexis, please have him contact the LexisNexis XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Initiated MoneyGram money transfer from my debit card to recipients debit card on Saturday XX/XX/XXXX. The transaction reference number is XXXX XXXX. MoneyGram represented that transfers to accounts in XXXX take minutes. The transfer was not completed to the destination bank until Monday morning, XX/XX/XXXX. As of Thursday, XX/XX/XXXX the money has not been transferred to recipients debit card account. I spoke with someone at the MoneyGram Escalations Dept on Monday, XX/XX/XXXX. They confirmed that the transfer was received by recipients bank in XXXX, ( XXXX ) but was being held and not deposited to recipients account. MoneyGram CSR said he filed an expedited complaint. He told me to call back in two or three business days to follow up. I called back on Thursday, XX/XX/XXXX. Spoke to XXXX XXXX : Case # XXXX. XXXX refused to contact the bank or do anything further. She said it would take 30 days to complete. This is considerably longer than a few minutes MoneyGram promised in their promotional materials. ( I allege false and deceptive advertising ). I said this is not acceptable and requested a refund. She said that would take 30 business days. I am left with no resolution at this time. And XXXX is holding my money. I want it back! 

On Tuesday XX/XX/XXXX I attempted to contact XXXX via their website. One contact phone number and one email address was provided. 

I called the phone number. It was a recorded line. It gave one toll free ( XXXX ) number and two local phone numbers. I was prompted to dial 0 to speak to an agent. I dialed 0 and nothing happened. I called the two alternate numbers provided. Each rang over two dozen times. No answer. 

XXXX Main # : XXXX XXXX XXXX XXXX Alternate numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I sent an email on Tuesday, XX/XX/XXXX As of Thursday, XX/XX/XXXX there has been no response. 

Email address : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Advance Bureau of Collections
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The insurance company paid the dental office, i was covered and provided my insurance information to the sensual office the day of the cleaning, when looking on my credit report it doesnt have an amount on it. The report just the collection company name. I have Been trying to resolve this and get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
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: Account information incorrect

Complaint:
Please take notice that I have taken all necessary step in supplying all needed evidence in order for the corporation ( s ) XXXX/XXXX/EQUIFAX to adjust and remove all negative reports from my credit file. As of X/X/2017 it is still reflecting the negative remarks as of XX/XX/2017, which is hindering me from any future financial growth. I am informing you of these direct '' violations '' with the desired outcome of you helping me in getting said violation removed from my credit report. as of today I will fax you copies of said completion on my behalf. Please help me help myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please take notice that I have taken all necessary step in supplying all needed evidence in order for the corporation ( s ) TRANSUNION/XXXX/XXXX to adjust and remove all negative reports from my credit file. As of X/X/2017 it is still reflecting the negative remarks as of XX/XX/2017, which is hindering me from any future financial growth. I am informing you of these direct '' violations '' with the desired outcome of you helping me in getting said violation removed from my credit report. as of today I will fax you copies of said completion on my behalf. Please help me help myself.

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 2017-07-20
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this particular debt with National Credit Systems twice in XXXX and XXXX. They continue to send the same letters ( word by word ) and fail not to respond to any of the questions I included in my dispute and is stating this account is paid in full but is negatively impacting my credit report. First and foremost, I do not recognize this debt AT ALL and not aware as to why they are collecting. In both of my dispute letters, I have asked for the following : *The original application or contraction *Any and all statements allegedly related to this debt They have FAILED to provide any of the documentations in both dispute letters. This collection is inaccurate and is a MAJOR VIOLATION of the FCRS and FDCPA. I have asked for this debt to be deleted due to non-sufficient proof, but it is still negatively impacting my credit score and not able to provide a better life for my family. Please investigate this and I demand for this information to be deleted as quickly as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/XXXX, I mailed my first mortgage payment in the amount of {$1900.00}, to pay ontime for XXXX XX/XX/XXXX. By XXXX XX/XX/XXXX, I realized that my check had not cleared with my credit union. So, on the same date, contacted AmeriSave. Below is my email response after learning of AmeriSave 's issues with picking up their mail " It was a pleasure speaking with you as well via telephone. During our conversation on a recorded line, as you noted, I stated to you that I mailed my XX/XX/XXXX mortgage payment to your AmeriSave XXXX address on XX/XX/XXXX. You responded stating that we ( Amerisave ) have had problems with the delivery of mail and that I would not be charged a late fee. Although you provided me with options to make my XX/XX/XXXX mortgage payment, I chose not to take any further action since I was not aware of your problem with mail delivery. The operation of AmeriSave is disconcerting when my check has not cleared in over 25 days. Any business that I am aware of would be concerned about their cash flow. I truly appreciated you returning my two phone calls to AmeriSave yesterday and providing me with pertinent information to begin XX/XX/XXXX, the electronic processing of my mortgage payment. Thank you for your professionalism and courtesy. '' On XXXX XX/XX/XXXX, I received a mortgage statement. The statement does not show my XX/XX/XXXX payment. It shows that the payment due is {$3800.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The following accounts were obtained through identity theft. I have sent police report, my id, copy of a bill, and social security card. The bureaus still will not remove the accounts. 

Accounts are XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Department of Education, XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

I will precede will legal action if this matter isn't resolved. It's been over a year and still no results.

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 2017-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
This is a separate complaint from XXXX. I was rebilled for a separate transaction dispute that had already been resolved. The complaint made on X/X/17 resulted in a refund ( {$280.00} ), however a different charge ( {$230.00} ) was re-billed to my account without reasoning. On X/XX/17, I filed a complaint with your department ( Complaint ID XXXX ) regarding a charge I was disputing with Capital One. On X/XX/17, Capital One credited my account for the {$280.00} from my complaint, but re-billed me {$230.00}, a charge for a separate unrelated dispute I previously had with them. I contacted them several times regarding this matter. They refused to speak to me regarding either of my disputes and insisted I contact the " executive resolution department, '' however provide no phone number or contact information for me to reach out. The last notice I received regarding this charge was on X/XX/17 requesting additional documentation to continue my dispute. They asked for a sales invoice and a second opinion on company letterhead from another merchant regarding the same matter. Both of which I submitted. Credit was issued and no further information was required of me. Please review documents attached. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Experian Information Solutions Inc.
State: NC
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:
After I mailed several detailed letters over a course years, sent directly to companies and all 3 credit bureaus I never received favorable resolutions with most, but a few that resulted in totaling cancelling any store credit accounts and credit cards, including any negative reporting to credit bureaus. 

Please note, my father : XXXX XXXX XXXX is currently my legal guardian, and he has been and still is a major force, and instrumental in all my personal and financial business, who continues to help and support me in this matter. For any future reference to this case, the XXXX has my approval to contact XXXX and discuss anything, and he also has my permission act on, make decisions on my behalf ( please see attached copy of proof of legal guardianship ).

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 2022-01-29
Company: EQUIFAX, INC.
State: FL
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 submitted disputes for an account that has been on my report since 2006 the bureaus refuse to remove the account. I have sent letters to the creditor to validate the debt they have not provided me any responses. This account has deprived me of an opportunity to purchase a home. I am a XXXX veteran and I have been XXXX so I never had time to watch my credit now that I am not XXXX I have been noticing things on my credit report that aren't accurate and fraudulent accounts and inquiries school loans etc the bureaus refuse to properly investigate these accounts. This is a violation of my rights under FCRA laws.

Company response to consumer: Closed with explanation