BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
I have a credit card from Barclays ending XXXX. In XXXX of XXXX I have received a letter from Barclays offering a promotional balance transfer rate of 0 % and 3 convenience checks attached to it. 
Check numbers were XXXX, XXXX, XXXX. The letter stated that the checks must be posted prior to XXXX XXXX in order to get the promotional rate of 0 % APR until XX/XX/XXXX. 
The 1st check # XXXX was processed on XX/XX/XXXX to XXXX for {$9600.00}. That transaction was marked correctly on my statement and had 0 % APR. 
However, the 2nd check # XXXX was processed on XX/XX/XXXX to XXXX XXXX for {$14000.00} was marked in Barclays statement as check # XXXX instead of # XXXX. Because of that Barclay started charging me interest of 20.24 %. When I caught this issue I called Barclays to resolve the issue hoping to reverse all interest charges. The 1st call I made XX/XX/XXXX and spoke to XXXX with ID : XXXX XXXX created the case # XXXX to have the problem to resolved ASAP. On XX/XX/XXXX I called again and was told that the case is still pending. On XX/XX/XXXX I went online at my Barclays account and asked for support in the chatroom. The chatroom said that the letter with what needs to be done was mailed to me XX/XX/XXXX. The letter came in XX/XX/XXXX. The instructions were to call general number. 
I called again XX/XX/XXXX and spoke to XXXX. XXXX ID is XXXX. XXXX said that XXXX ( previous manager ) didnt create case file correctly, so it was ignored. XXXX created the new case # XXXX. On XX/XX/XXXX I have checked Information on-line. There were no changes to interest being charged and payment breakdown. On XX/XX/XXXX XXXX confirmed over the phone that the check received on XX/XX/XXXX {$14000.00} is check number # XXXX. 
Barclays insists that the check I signed was XXXX. This is false statement. I never had that check. Im attaching supporting documentation : 1. Promotional letter. 
2. XXXX statement when payment was received. 
3. Barclays statement with {$9600.00} check # XXXX cleared. 
4.Barclays statement with {$14000.00} check # XXXX ( wrong number! ) cleared. 
5. Current statement showing different interest Being applied to both transfers.

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 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( BANK ) 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

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 2022-06-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
It took place XXXX XXXX they began taking steps too secure they systems and commended a comprehensive investigation into incident. Then through the investigation on XXXX XXXX they determined certain documents stored within XXXX XXXX have been copied from or viewed on the system by an unauthorized person between XXXX XXXX and XXXX XXXX. They sent the letter because during the investigation determined that certain information related to me was present on the affected data. It included my son social birth date and medical records and contact information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have accounts listed on my report that Experian is refusing to properly investigate and correct. I have been disputing but my dispute is not being resolved, because they are not providing me with the necessary information I can use to follow up with the dispute if the findings are showing correct. They only send me generated information that is electronically provided. I cant contact the provider of information if I have no idea where it comes from. I am constantly disputing and calling people and the bureau and creditors are not on the same page.The Accounts are listed in the attached report, which are XXXX XXXX XXXX XXXX XXXX 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 2023-09-16
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-25
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I ordered a refrigerator from XXXX on XX/XX/XXXX and received it. I paid for it with my XXXX XXXX XXXX XXXX account. 

On XX/XX/XXXX I received a call from a delivery service that my fridge from XXXX was on the way. I explained to them that I'd ordered and received my fridge 14 months ago and they canceled the delivery. 

Syncrony, the company that runs their credit card continues to bill me. I have a Lowes card even though I didn't order the fridge with it. I've sent them the order from XXXX, my credit card statement from XXXX from my bank and a screen shot of the fridge from my XXXX account from XX/XX/XXXX. I was told on the phone just now that Lowes claims they provided " services rendered '' and there's nothing they can do. I've been disputing this back and forth with Syncrony since 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 monetary relief
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: NE
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:
Experian received my notice of request to remove four unauthorized accounts that are listed on my credit report as a result of identity theft on XX/XX/2022. Yet Experian has disregarded the law by first, responding via email, ( and not via writing ) with erroneous accusations that appear to be both demeaning and damaging to my character. My request was not made in error as I went through the proper channels by filing a identity theft report with the FTC, nor was it based on material misrepresentation. And accusing me of obtaining possession of goods and services as a result of identity theft unbeknownst to my knowledge is something I take very seriously and will use against Experian in my further legal claims against them if this issue isn't solved. Experian has violated my privacy and consumer rights in regards to the following legislation regarding identity theft, by not blocking and removing

these four accounts from my Experian credit file. FCRA 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 40 605B - 15 U.S.C. 1681c-2 Please urge Experian to follow the law and delete these four accounts immediately at once or face further legal actions through state and possible federal court.

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 2022-06-25
Company: EQUIFAX, INC.
State: MT
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 XXXX XXXX charged off {$620.00} XXXX XXXX XXXX XXXX  charged off {$1500.00} XXXX  XXXX XXXX paid in full XXXX XXXX XXXX XXXX  charged off paid in full XXXX XXXX XXXXXXXX {$1800.00} charged off XXXX XXXX XXXX, I missed payments due to Covid XXXX I am current now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have debt collections with XXXX XXXX a loan & a opened credit card account & none of those were opened to by me to my knowledge this isnt my first event with identity theft

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 2023-11-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Theres a military star account on my report that is fraudulent request that it be removed sent in a police report and a identity theft report equifax has not removed the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Kikoff Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I hope this letter finds you in good health. I am writing to seek assistance and guidance regarding a matter related to the timing of payments on my credit accounts. Under the provisions of 15 U.S. Code 1666b, I believe I may have experienced issues that warrant your attention and intervention.

I hold various credit accounts with different financial institutions, and I have noticed that there have been instances where my payments were credited as late, even though I made the payments well before the due date, in accordance with the terms and conditions of the respective credit agreements. These late payment notations on my credit reports are adversely affecting my credit score and financial standing, which is of great concern to me.

As per 15 U.S. Code 1666b, creditors are required to credit payments as of the date of receipt. I have documentary evidence, such as payment receipts and bank statements, demonstrating that I made timely payments. Despite this, I have faced difficulties in getting the late payment notations corrected on my credit reports. These inaccuracies have had a significant impact on my ability to obtain credit and favorable terms for financial products. 

I kindly request your assistance in investigating and rectifying this matter. Specifically, I am seeking : A review of the credit reporting practices of the institutions involved to ensure compliance with 15 U.S. Code 1666b.

Corrective actions to remove any incorrect late payment notations from my credit reports.

Guidance on how to prevent future occurrences of incorrect late payment notations on my credit reports.

I am attaching copies of the relevant documents, including payment receipts, bank statements, and credit reports, to support my case. I would be grateful for your prompt attention to this matter and any guidance or intervention you can provide.

I understand the importance of maintaining accurate credit information, and I believe that resolving this issue will help me regain my financial stability. I appreciate your help and support in addressing this matter in accordance with the provisions of 15 U.S. Code 1666b.

Please feel free to contact me at the above-mentioned phone number or email address if you require any additional information or clarification.

Thank you for your prompt attention to this matter. I eagerly await your response and resolution of this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have wrote experian several times asking them to remove inaccurate information and accounts that appeared on my credit profile, I am stressed and concerned that I am fighting a uphill battle alone against XXXX XXXX XXXX. Its not fair loosing sleep at night knowing you are a noble citizen of this great country. I have been failed the law is definitely not on the side of he American public, Im ashamed and very disappointed to not have the support that I ask, these inaccurately decisions made by the credit bureau should not be a final say, it should not take the credit bureaus over 69 days to investigate and choose not to inform me of the investigation

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 2023-09-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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 totaled my car in 2017 and was sent documentation that the auto loan was charged off but it is still being reported negatively on my credit report

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 2023-09-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXXXXXX XXXX Works ) Address : XXXX XXXX XXXX XXXX, XXXX PA XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Works ) Account Name : XXXX  XXXX, Account Number : XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, 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 2022-06-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I DID NOT GIVE US DEPT OF EDUCATION CONSENT TO REPORT ANYTHING TO ANY THIRD PARTY AFFILIATE THAT DOES NOT HAVE A BINDING CONTRACT WITH MY WRITTEN CONSENT TO REPORT MY NON PUBLIC INFORMATION. US DEPT OF EDUCATION FRIVOLOUS AND WILLINGNESS TO VIOLATE MY RIGHT TO PRIVACY HAS CAUSED A TREMENDOUS AMOUNT OF DAMAGE IN MY LIFE. IN PURSUANT TO THE GRAMM-LEACH BAILEY ACT I WAS NOT GIVEN THE NOTICE TO OPT-OUT OF THIS SHARING OF MY NON PUBLIC PERSONAL INFORMATION. I DEMAND THAT THE US DEPT OF EDUCATION HEREBY BLOCK THE ACCOUNT THEY ARE FURNISHING IN RESPECT TO PROTECTING MY PERSONAL INFORMATION AS IT IS THERE DUTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I DID NOT GIVE US DEPT OF EDUCATION CONSENT TO REPORT ANYTHING TO ANY THIRD PARTY AFFILIATE THAT DOES NOT HAVE A BINDING CONTRACT WITH MY WRITTEN CONSENT TO REPORT MY NON PUBLIC INFORMATION. US DEPT OF EDUCATION FRIVOLOUS AND WILLINGNESS TO VIOLATE MY RIGHT TO PRIVACY HAS CAUSED A TREMENDOUS AMOUNT OF DAMAGE IN MY LIFE. IN PURSUANT TO THE GRAMM-LEACH BAILEY ACT I WAS NOT GIVEN THE NOTICE TO OPT-OUT OF THIS SHARING OF MY NON PUBLIC PERSONAL INFORMATION. I DEMAND THAT THE US DEPT OF EDUCATION HEREBY BLOCK THE ACCOUNT THEY ARE FURNISHING IN RESPECT TO PROTECTING MY PERSONAL INFORMATION AS IT IS THERE DUTY.

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 2022-06-25
Company: Experian Information Solutions Inc.
State: WA
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  XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and 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

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 2022-06-22
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Navy Federal Credit Union suppose to have covid programs. They are charging way to much in fee 's & now that I have covid they aren't been helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation