BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2021 the attorney handling the refinance of my home sent a check in the amount of {$7400.00} to my Barclay Credit Card ( XXXX XXXX ) to pay it off. 
I have proof that the check was cashed on XX/XX/2021. 
The payment has not been applied to my account. 
I have reached out to Barclay credit cards starting on XX/XX/2021 and have provided them with a copy of the cashed check and everything else they have asked. 
I have been checking in with them on a weekly basis and have not had any resolution. 

This was a large payment and I am extremely frustrated that after 5 weeks of trying to have this resolved- I am not any closer. 

Can you please help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is reporting inaccuracies on my credit report. They are reporting this information without any validation of the account. Under the fair act 15 U.S.C 1681 a this is a violation of my rights.

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 2016-11-25
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a complaint from XXXX XXXX against Wells Fargo for Wells Fargo 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX, received a demand letter from creditor, Wells Fargo. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over a month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was victim of a scam due to a person posing as a delivery service who wanted funds in order for a package to be delivered to me from overseas. A total of {$8900.00} funds were transferred via XXXX, XXXX, and wire transfer. On XX/XX/2022 transaction of {$1500.00} and {$1900.00}. On XX/XX/2022 transaction of {$500.00}. On XX/XX/2022 transaction of {$1200.00} and {$3700.00}. Wells Fargo Bank will not return funds due to dispute is not valid via 3rd party, XXXX since it was not a " transaction error ''. Some other transactions are under investigation still but all funds should be returned due to being a victim of a scam, which the bank should be understanding of the situation. There should be a better resolution instead of informing their client that there is no transaction error so funds can not be returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, still a few account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus is obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX Balance Owed : {$4600.00}

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 2022-07-26
Company: Experian Information Solutions Inc.
State: NY
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 accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-06-09
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
The company has sent a judgement to my employer to garnish my wages. Debt is over 6 years old and was sold to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
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:
i recently learned that my identity had been stolen, and someone, had been using my personal information, without my consent. Ive never lived at such addresses on my report, XXXX XXXX XXXX XXXX, XXXX, md XXXX XXXX XXXX, XXXX texas, XXXX XXXX, XXXX texas, XXXX XXXX XXXX XXXX XXXX texas, XXXX XXXX XXXX, XXXX texas, and XXXX XXXX XXXX , XXXX texas. ive detailed to the credit bureaus, about this information, creditors likke, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, these companies, i have no relations with, and have never beneffitted from their services. i have written the credit bureaus, asking them to remove this erroneous information, and to date have recieved nothing back from them. i have never given the credit bureaus my cosent, to place any of these, creditors information on my personal credit file. i need my good credit, badly as i am a full time caregiver for my mom, can anyone please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
RE : XXXX XXXX XXXX Synchrony Bank XX/XX/XXXX - I paid my entire credit card balance in full prior to the due date. The payment was processed and my credit card account had a zero balance. The following week, a new payment of {$690.00} was automatically deducted from checking account by Synchrony Bank which created a credit balance. As soon as I noticed this over payment, I called to request a refund on XX/XX/XXXX. I was informed a refund would be sent within XXXX days. I received no refund. 

I called again on XX/XX/XXXX and the customer service representative confirmed the communication and my request to receive a refund. The request had been submitted but no refund check had been issued. ( I waited longer than XXXX days to receive it and still no refund. ) Additionally, I was informed by an account manager that the company had been experiencing system issues. I placed another request in which I was informed it would take another XXXX  days to process. My only option to receive a refund is via paper check and through the US mail. If a payment can be taken electronically than a credit should be issued electronically as well. 
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: GFS II, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I financed a vehicle through Gateway Financial back in XXXX of XXXX - since then, I have maintained an excellent payment history with them ( per the attachments below ) - never more than 1 day late. In XXXX of XXXX, I lost my job and my wife lost hers due to illness, which left us both completely out of work. Upon obtaining my vehicle, ( in which, I was rushed into signing documents and got caught in a loan that is ridiculously upside down from the very beginning ) I was told by my salesman XXXX, that if anything ever happened to just reach out to them directly and they'll be flexible with me ... ..almost 4 years later ... this was NOT the case. It has been a living horror story with XXXX  XXXX XXXX. I was able to notify and remain in good standing with all of our other creditors EXCEPT Gateway Financial. After falling on financial hardship due to loss of employment, In XXXX, I notified Gateway Financial of what happened to me and my wife - begging them for a lowered payment to try to maintain my vehicle or find out if there was any options to keep a negative impact from ruining my credit. They count the payments late but consider each month two payments because they are bi-weekly payments now versus monthly. I was in contact with XXXX XXXX ( senior account representative ) who always treated me poorly as if my financial hardship affected him directly. After speaking to him, many days I ended the phone call in tears due to the nastiness I experienced with this company. I reiterated over and over about how I've maintained an immaculate payment history with them and begged for options to avoid my vehicle being repossessed ... .after being lied to and declined for no probable cause, my vehicle was repossessed in early XXXX. After the repossession, I made contact with XXXX XXXX once again and as normal - he was very nasty to me. About 2 weeks went by without transportation, and I finally decided to call to see if there was some way of obtaining my vehicle back. Again, I spoke with XXXX XXXX and he LIED to me and advised that if I paid {$300.00} before XX/XX/XXXX - I would be able to avoid the impact of having a repossession hit my credit report and be able to hold my vehicle from going to auction. After that, I would then make payment arrangements to get my vehicle back. THIS WAS A COMPLETE LIE!!!! I have attached the proof as well. I never got my vehicle back ( it was sold ) and the payment arrangements did not stop the impact to my credit report. Gateway Financial also LIED about sending me out proper paperwork in a timely fashion, these people sent me paperwork on setting up a lowered monthly payment AFTER my vehicle was repossessed. I never received it, and I have several calls to them on a recorded line demanding my paperwork in a timely fashion. This has hurt my ability to obtain credit or move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reference previous complaint XXXX. The agency never complied with regulations nor did they do any of the things that they said they would do in the response to the CFPB. They continue to report to the Credit Reporting Agencies erroneously and illegally. None of the folllowing happened as they said it would nor have they addressed any of the information I originally asked for the in the original request nor provided written verification to any of my original questions. None of the below mentioned actions were taken by the agency : Upon receiving notification of your complaint Midwest Recovery Systems has reviewed your account. It was found that your account was placed in our office on XX/XX/XXXX by our client XXXX XXXX XXXX. We show this account was originally opened with XXXX XXXX XXXX on XX/XX/XXXX and went delinquent on XX/XX/XXXX. We show there has not been communication regarding this account. After reviewing your complaint Midwest Recovery Systems has placed your account in a Dispute status and sent notification to the credit reporting agencies to update this account as disputed on your credit report. We have also requested the validation documentation from our client. Our process is as follows : Upon receiving notification of a dispute or request for validation. Whether the request is verbal, written, or electronic the account will be changed to a DISP ( dispute status ). The status change will trigger a notification to be sent to the credit reporting agencies. The status will also let our Dispute Resolution team know to review and request validation from the client that placed the account with us. Once we receive the documents, we mail them to either the address on file or one you requested. The account will then be place on hold for 10 days allowing you to receive and review the validation. After 10 days we will call and follow up to make sure you received what was requested and go through them together. In the event our client does not produce the validation documents within 23-25 days from the date of request, MRS will change your account to a UTV ( Unable to Verify ) status, close and return the account to our client and send a deletion record known as a DR to the CRAs upon our next reporting which is weekly ( generally on Sunday ). Normally there is a larger window for clients to return the documents. However, MRS does not and will not continue to report a debt to the Credit Reporting Agencies where we have received or believe there is a discrepancy. If there are any questions, please contact our office at XXXX. You may also email us at XXXX- MRS Complaint Resolution Team.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$5200.00} XXXX   XXXX {$2700.00} XXXX XXXX XXXX XXXX {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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: Information belongs to someone else

Complaint:
I had my credit ran today XX/XX/20 to see if I pre-qualified for a home loan however, when my report came back I was told I wouldnt qualify for a home loan due to some accounts in negative standing appearing on my credit report. I wasn't aware that there were accounts in negative standing on my credit so I looked over my report and there were two accounts from XXXX XXXX XXXX XXXX and one from XXXX  XXXX XXXX that are not mine. I have no idea who these accounts belong to or why they're on my credit but I never allowed anyone to use my personal information such as my name, social security number, DOB or address. I did not receive anything from these accounts being open in my name and I did not make any payments towards these accounts. I do not have any written/verbal contract with those companies and I never gave them access to my credit information. I have already filed a police report as well as a complaint with the CFPB regarding these suspicious accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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, XXXX, XXXX, XXXX 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 2022-07-26
Company: EQUIFAX, INC.
State: AZ
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:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I check my credit report and noticed that there were inquiries that I never consented to or did I ever benefit from them in any shape or form. I was told my information was leaked in a data breach with XXXX and XXXXXXXX XXXX recently as well. This keeps occurring with random inquiries popping on my 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 non-monetary relief