BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-30
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Barclays Bank Delware has issued fraudulent credit in my name on XXXX occasions. The second occurrence was in XXXX 2015. I received an alert that an account was opened in my name. I immediately called Barclays and told them it was fraud. I called at least XXXX additional times and Barclays still approved the account for the thief to use. The thief used the incorrect spelling of my name, incorrect address and telephone, and Barclays still approved the fraudulent request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016 I submitted my last mortgage payment in the amount of XXXX sa per statement received by the company. They received my funds and placed it in a suspense account. The mortgage company never advised me as to why the funds were in suspense. they in turn disbursed additional monies to my insurance. They never informed me about this and after several weeks I called them and I made after many phone calls to them they advised me that in error they made these payments from the escrow while my funds were sitting in the suspense account. 3 weeks later the escrow department called me and advised that they could not reverse the payout. They gave me a new amount due for after applying my funds they had in suspense. the amount quoted was XXXX as that 's what they claimed was disburse. Reluctantly, I submitted the XXXX. After several weeks, I called them and asked why I have not received my release of mortgage. They did not know and after several days they advised the XXXX was again sitting in a suspense account. They could not answer as to why. they advised that they will apply the funds and will call me next day. Another week passed by and they did not return the call. I called them on XXXX/XXXX/16 they advised they will look into it. I again called them on XXXX/XXXX/16. they advised they will resolve this this week. When I received my mail that same day, they returned my check advising the amount had gone up to XXXX with no explanation. They had my funds to pay in full however, they are not applying funds thus ruining my credit rating and not advising on the ongoing. This has been going on since XXXX, 2016 and no resolution on there part. they are now making harassing calls to my house threatening foreclosure actions. I have all documentation and bank statements showing checks sent and statements from them for payoff amount which i sent in and they placed in suspense

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2023, I met with XXXX XXXX at XXXX XXXX XXXX about exiting my timeshare. During that conversation, I unknowingly signed paperwork that opened up a {$20000.00} line of credit with Citizens Pay. I never discussed the need for a line of credit nor did I approve opening any account with a financial institution that I was not already dealing with. 

On XX/XX/2023, I went back to XXXX XXXX 's office because something did not feel right. He was not available to meet, and I was told that I would have to speak with XXXX XXXX. No one else was available to help me. 

On XX/XX/2023, I received an email saying that I had been approved for a line of credit with Citizens Pay. 

On XX/XX/2023, I mailed XXXX XXXX a letter with a formal cancellation request. He did not respond to that letter. 

On XX/XX/2023, I reviewed the paperwork with my daughter and we put a fraud alert on the Citizens Pay account. We also cancelled a XXXX XXXX XXXX that was opened without my knowledge during the XX/XX/XXXX meeting. 

On XX/XX/2023, I received a letter from Citizens Pay dated XX/XX/XXXX saying that I had 14 days to respond. The address on the letter is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo took my money out of my account for the mortgage I had through them. Then, they closed my account and foreclosed my home.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: CO
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting 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 notice unauthorized inquires on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

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 response to consumer: In progress
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: MN
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: Their investigation did not fix an error on your report

Complaint:
I am filing this complaint to assert my consumer rights, seeking your support in formally demanding the credit bureaus conduct a thorough reinvestigation of the contested account on my credit report. Simultaneously, I request the correction of this account during the investigative process. Despite the allocated time, my plea for the immediate correction of the following account has been ignored : 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 2023-11-16
Company: Experian Information Solutions Inc.
State: CA
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:
Under the fair Credit Reporting Act,15 USC 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning these accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified.Send me copies of the documents that you have in your files that were used.If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as a required under Section 611 ( a ) ( 5 ) ( A ) ( i ) By publishing these inaccurate and unverified items on my credit report & distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under FCRA 15USC 1681i all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts listed below within 30 days of this receipt you have to remove these accounts from my credit file. Accounts, 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 response to consumer: In progress
Consumer complaint received 2023-11-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Macys Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _________________________ XXXX XXXX XXXX XXXX XXXX, South Dakota, XXXX Please be advised that I am extremely disappointed in the service and deceptive business practices of the credit services department XXXX On XX/XX/XXXX I purchased a couch from Macys Furniture with a promotional period of 12 months for {$3600.00} with the promotional period ending on XX/XX/XXXX. 

On XX/XX/XXXX, or XX/XX/XXXX I called customer service and spoke with several reps that I do not recall, but the asks was to allocate {$2000.00} to the promotional balance. However, after checking the website I noticed the entire amount was not applied so I called back and was assured the account would be updated to reflect the payment and the promotional balance of {$1600.00}. 

As of XX/XX/XXXX, I called customer service and spoke with Representative : XXXX, XXXX to asks why was my promotional balance on the website {$3400.00} when I allocated funds to that account and the website was updated in XXXX to reflect {$1600.00} ( I saved a screenshot of the updates on my phone ). He proceeded to advise me that the {$2000.00} was not allocated to the promotional balance so I became very upset because the reps keep defaulting the errors to the system but that is unacceptable. 

How is it that Macys is such a large brand but cant get the reps to ensure payments are applied correctly? Why is it that consumers can not go online to apply funds to promotional balances? Is it because you want customers to pay the interest on the account? Is it because it is a tactic used to confuse your consumers? Or simply a way to force interest payments from consumers whos not paying attention to their account and simply lose track of the transactions. 

This is really unfortunate situation that has caused me stress and time that I can not get back. Therefore, I am submitting a formal complaint to the Federal Trade Commission, Consumer Financial Protection Bureau, as well as the Department of Justice. No consumer should have to deal with this and fortunately I had time today to write this letter and distribute it to all those who have control and oversight of companies that attempts to deceive its consumers. 

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 non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Company sent a debt collection letter with no proof of any balance statement leased payment or proof within 30 days. Contracted them for proof and they havent sent any supporting document. They have added this to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My cards were stolen as I dropped them out of my wallet in gas station I called XXXX right away when I noticed they were gone after going to gas station to see if someone turned them in I talked to XXXX and they said they were closing the card out and sending me a new one. When I didnt get a new one I called XXXX and was talking to a lady on phone and she said they never closed out my card and someone used over a XXXX dollars on said card since my initial call to them about card being stolen due to me dropping them out of my wallet I did what I was supposed to do and reported it to all companies and I just received a letter saying I still owe XXXX dollars and they are taking my money out of my bank apparently they took the other money out of my taxes which is what I just learned why they garnished them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr.Cooper /Nationstar Nationstar has charge me double the escrow in my previous modification which made. my modification unaffordable. I have a document from their attorney XXXX XXXX as proof. Now they state I have reached my maximum modification but they were calculating it incorrectly. I have suffered from medical issues, loss wages and recvd a XXXX XXXX from XXXX XXXX.I have found employment and can now afford to pay but Mr.Cooper will not give me the modification i need to save my home. You can not count modification that have contributed to my hardship making it difficult to meet the payments and errors on their part.They charged me {$1600.00} and {$1700.00} amt of last two modifications. It is now XXXX per XXXX XXXX there attorney who found the discrepancy. I need someone to hold Mr.Cooper accountable for their actions and give me a modification or reinstate my loan as i owe more than home is worth.I was Injured, had XXXX out w/no pay, diagnosed w/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and and gov't put me in no pay status 6 months pending determination from doctors the removed me medically. I explained this hardship to Mortgage when i applied for a forbearance through Community Link/NC Foreclosure Prevention summerXX/XX/XXXX. They denied forebarance and never informed me when i called regarding fall XX/XX/XXXX modification application the told me they treat forebarance like modification and denied me. 
I wouldn't be so far behind had they calculated my modifications correctly. 
In addition, the investor XXXX wants me to pay {$15000.00} then XXXX a month for 6 months the mortgage of {$1200.00}. to get modification. Ridiculous! The other two investors agreed to give me a modification. 
If you have any questions regarding the investor 's please feel free to contact The reinstatement Program at XXXX ext XXXX XXXX he is trying to assist me with the modification. I received a sale date of XX/XX/XXXX two days ago while XXXX   was communicating with last investor. 
Please help me.I am a single mother and I want to keep my home. 

Thank You XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed by a XXXX  job ad and was offered a position with a company to work remotely. They never asked for any of my bank information and used the names of employees the companies website had to make it seem like it was legitimate. On XX/XX/XXXX, I was sent a {$1000.00} check to deposit to purchase equipment for the position. Chase Bank did catch the check and let me know it was fraudulent and I told them everything above. Initially I was sent a letter on XX/XX/XXXX  that said no action would needed to be taken and then a few days later they froze my account without notifying me at all. I have attached what was sent as a notice. On XX/XX/XXXX, I sent a message through the Chase app to inquire about what was going on and they have me no information, Chase locked my account on XX/XX/XXXX  due to this claim being against my account and that was all the information they could give me. No money was spent from that check. I have no idea whos account numbers the scammers used but it was from a different bank according to Chase. I have been a customer for over a decade and never had issues so I hoped they would help me out and try to resolve this efficiently. I have been given the run around from different agents and havent been given any time frame for when this will actually be resolved. I understand the severity of fraudulent checks but I was not aware that it was one nor did I use any of the money and my account has not been compromised as only I have access to my account so there is no reversal that needs to happen either. This has been very inconvenient as I have bills to pay and so far no one has been that helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: IN
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: Their investigation did not fix an error on your report

Complaint:
When pulling credit report and realized these damages on report. According to the 15 USC 1681 law there should not be any damages on my credit report especially unverified!

It is a defamation to my character! I recently disputed this account with the credit reporting bureaus and reporting company, and the information was reported as verified and accurate. I'm sure we understand that most disputes are often conducted using software, such as e-Oscar, and that the software can have limitations when it comes to completing a proper investigation of records. I am requesting AGAIN that all parties conduct an investigation as outlined in the FCRA Section 623 enforceable by FACTA 312 which affords me the right to request that the information furnisher conduct a reasonable investigation of the information being reported to the credit bureaus. Which I have sent a letter out to them and credit bureaus!

If unable to perform a reasonable investigation, or they are unable to locate the necessary documents to investigate my dispute ; then by required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. Furthermore, per FCRA Mandates, it is required that this misinformation be forevermore blocked from re-reporting attempts, now or in the future by company and/or any entity. I let them know if they were able to conduct a proper investigation of the records for this account, and have identified the information reporting as being fully accurate and complete then please send me an explanation of the methods used, and a description of the records reviewed, when they conducted their investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of records and verify that a reasonable investigation was completed.This complaint is an attempt to correct the false or misleading information being reported on my credit reports and to correct all records.

Company response to consumer: In progress