BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been contacting Experian to please remove any fraud alerts on my credit profile because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  along with mortgage brokers can not access my Experian due to a Fraud Alert. 

I Respectfully contacted the fraud alert dept at Experian to please remove and add my primary address on my credit profile. This credit issue has been going on since XX/XX/2022. When the first bank couldn't get access. 

They gave me two dispute numbers for the address request and we are still here in XXXX still trying to fix the problem. 

I expressed to them we are in a contract and need this issue to be resolved asap. I researched and saw people with nightmares who have dealt with the same problem. They regret being cautious and putting a fraud alert just in case. I did it due to losing my wallet but thank XXXX I wasn't a victim. 

We are here now in XXXX looking to buy a home and I can't simply remove alerts or add my priamy address to my credit profile. That's the only thing stopping us from signing our closing.

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 2016-08-08
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Other

Complaint:
I received a Barclays Bank Delaware XXXX XXXX in XXXX of XXXX. A few months ago, Barclays began reporting that a card issued in XXXX is also mine. It is not. They say i need the account number, which i do not have as it is not mine. The owner of the other card pays on time as do i. We both seem to have great credit. However, i am buying another home soon and ca n't allow this on my bureau. When i contact the Bureaus, they contact Barclays and Barclays insist it is my card. I suspect they data entered a wrong SSN or something. If not, they should see it is XXXX seperate SSN 's and XXXX seperate addresses, as i do not get the other person 's bill. I do n't believe this is fraud. I believe it is arrogance and stupidity.

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 2020-03-26
Company: Experian Information Solutions Inc.
State: LA
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 received a phone call from a debt collector in reference to a payment on a credit card that I did not apply for, possess, or receive any benefit from. That is when I decided to check my credit report for accuracy. That is when I found out that I am a victim of identity theft. Some criminal used my personal information to fraudulently apply for several credit cards. There are two fraudulent XXXX XXXX credit cards reporting on my credit report that I did authorize my personal information to be used to apply for. I also have received no benefit from them. I have contacted the bank and the credit bureaus and no one seems to be willing to help me remedy this situation.

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 2020-03-26
Company: EQUIFAX, INC.
State: LA
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 received a phone call from a debt collector in reference to a payment on a credit card that I did not apply for, possess, or receive any benefit from. That is when I decided to check my credit report for accuracy. That is when I found out that I am a victim of identity theft. Some criminal used my personal information to fraudulently apply for several credit cards. There are two fraudulent XXXX XXXX credit cards reporting on my credit report that I did authorize my personal information to be used to apply for. I also have received no benefit from them. I have contacted the bank and the credit bureaus and no one seems to be willing to help me remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I have continuously had terrible customer service with Barclay US. EVERY time i call they are unable to assist me, regardless of the problem. I have had a reoccurring charge from a software company that is under someone else 's name. I told this person I would no longer pay for this service after a certain date. Despite this, they signed up for a year service without my knowledge. Barclay is telling me to call the software company. The software company is telling me I am not authorized to cancel the account or make payment changes because it is not under my name. This is fraudulent. I never agreed to pay this and I am not able to cancel these charges.

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 2016-10-20
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This is a formal complaint against Barclays Bank Delaware ( " Barclays ), XXXX XXXX and XXXX relating to a Barclays XXXX XXXX XXXX XXXX Master Card ( " Master Card '' ) for ( 1 ) failure to safeguard customer information due to a breach of security resulting in theft of airline miles ; ( 2 ) failure to respond and remedy complaints regarding the breach and theft ; and ( 3 ) failure to provide services paid by the customer. 
I am currently Barclay 's customer as I have a Barclays XXXX XXXX XXXX XXXX XXXX Card. I earn airline miles for an XXXX XXXX mileage program administered by XXXX through purchases and activity on my Master Card. I pay fees and interest to Barclays for this program and I have not received the services for which I paid. I have contacted all three entities on multiple occasions and have not received responses or a resolution to my concerns. 

Due to character limitations, see attachment for full description of complaint.

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 2016-03-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been disputed this same account for over the last year ... Here is XXXX # XXXX validation of this account was never proven and I have requested this information a number of times ... It has been 60 days and counting to get this account removed as it has stopped a number of times from getting credit. Equifax is in violation and nothing is been done about it why? Please have them remove this account ASAP. 
I have attached additional information and the credit never showed I owe this debt!!!! Please remove!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: FL
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:
I would like have the following unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-04-11
Company: EQUIFAX, INC.
State: FL
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:
I would like have the following unauthorized inquiries 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 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: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Improper use of my credit. Inquiries 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 2016-02-07
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Late fee

Complaint:
I paid my credit card statement on the day it was due. The statement shows a due date of XXXX XXXX. There is no disclosure on my statement stating the payment is due before a certain time and time zone. I paid about XXXX CST only after I attempted to call twice and was on hold for long periods of time BEFORE XXXX CST to make a phone payment. I could n't get through, so therefore I went to pay online. by it was passed XXXX CST by a few minutes. The system would not allow me to pay on XXXX XXXX, and I was FORCED to schedule the payment for XXXX XXXX. This process incurred a late fee of {$25.00}. I have emailed them several times requesting them to waive the fee due to the issues I had trying to pay by phone. They have disregarded my request. I have explained to them that their statements do not disclose a " cut off : '' time. I specifically shows to pay by the due date. I am asking to have late fee removed and any interest that incurred due to the late fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Experian Information Solutions Inc.
State: VA
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:
My Vehicle was broken into and my DL was stolen. A few months later I notice that there are several unauthorized inquires on my credit reports, all within the same time frame. I called the police and was given report and immediately contacted the credit reporting agencies. My letters were ignored, My online disputes had no resolution and over the phone they told me that they do not have the ability to 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 2016-05-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Hi there I had a account with synchrony bank ( paypal smart connect ), This account was sold to XXXX, Which was was then handed over to XXXX XXXX XXXX. I have settled the entire case with 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 2020-04-01
Company: Nelnet, Inc.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Under the Covid-19 relief program for student loans, interest was to be waived for a certain period of time. When I called my servicer, they said even though i have Federal Stafford loans, which is what I applied for and received, the actual funds were provided by outside investors to the Federal Government. I didn't apply for, nor receive private loans, except for one small Grad Plus loan. All other loans are Federal loans. How can a borrower be penalized for the source of funds of his or her Federal loans? None of that was disclosed to me at time of application for my Federal loans. I would like all my interest waived for my Federal loans for the specified period of government relief. I only ask for what the relief program dictates ... .nothing more or nothing less

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My Vehicle was broken into and my DL was stolen. A few months later I notice that there are several unauthorized inquires on my credit reports, all within the same time frame. I called the police and was given report and immediately contacted the credit reporting agencies. My letters were ignored, My online disputes had no resolution and over the phone they told me that they do not have the ability to 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 2016-03-25
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I just received a " Settlement Offer '' from a collection company which I never had any contact with them on an unknown debt in the amount of {$55000.00}. 
I have asked them to show me some documents if they think this is my debt but have got nothing, no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: New Century Auto Sales, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
We applied for a car loan at Rightway in XXXX XXXX and our salesman was XXXX XXXX. Weve never even met in person, but we gave him authorization to run it and we found out today when I received a call from a friend that her son had told her all about our credit report because his dad had told his wife and his son. Not sure who else has been told at this point, but I need to know my rights because Im extremely upset and violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Well for starters its not a credit card but it is a debit card. Now that that 's out of the way ; I was gone out of state for 2 months to attend basic military training ( XXXX XXXX XXXX XXXX XXXX 2016 to be exact ). There was a withdrawal from my account of {$900.00} on XXXX XXXX 2016 in XXXX, NC. Once I found out I immediately informed my bank about the situation. They put the temporary credit back on there and began the case. Since I was in basic I had no way to communicate with them again until I returned home. On XXXX XXXX 2016 I received a letter stating they denied my claim. They deducted the {$900.00} out of my account this morning and now I 'm in the negatives. I see why they do n't believe me but I do have proof of me being in the other state and not in the state where the money was taken out from. Honestly I feel like the company is horrible for letting something let this happen in the beginning. I have no clue to how they got the money without a problem.

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 2020-03-26
Company: Aspen Yo LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have called Gregory Funding repeatedly over several years for their assistance in refinancing a 7.5 % {$860000.00} mortgage. They refuse to offer assistance at all. The say to go to another bank and refinance with them. This is a loan that was originated during the housing crises. The government has provided many different programs to consumers to refinance such loans, however, due to my low income, I can not get approved anywhere for a refinance. Gregory Funding holds this mortgage NOW. They refuse to even assist with lowering the 7.5 % interest rate when mortgages rates in todays market are between 3.5 - 4 %. My credit is excellent. Despite many obstacles ( housing crises, financial crises, medical issues, unemployment, hurricane Sandy, etc. ) I have remained steadfast in paying Gregory Funding over {$7000.00} a month for this mortgage. The least they could do, is assist me with locking in a lower rate. There are also issues with them placing insurance on the property when I already have sufficient insurance. They never answer their phones, except at the end of the month when payments are due. I do not understand how Gregory Funding gets to choose if it wants to comply with mandatory debt relief programs for people with predatory loans. Please please offer some assistance, if anything, with a lower interest rate. Thank you.

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 2019-11-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IQ DATA INTERNATIONAL has a negative collection item on my credit report reporting since XX/XX/2019 ( XXXX and XXXX ) and XX/XX/2019 ( XXXX ). I have disputed this item to have it verified and validated. I received notice that the debt was verified from the credit bureau but did not get anything showing how it was verified/validated from the company or the credit bureau.I requested via certified mail to have debt verified according to Texas law or be removed and the company did not send anything nor remove it.I have requested over 2 times. They sent back my letters and never responded to the letters. I sent each letter via certified mail XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. I want this removed from my credit report immediately. They are not above the Texas Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: FORD MOTOR CREDIT CO.
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Monday XX/XX/2016 at XXXX I was contacted by XXXX with Ford Motor Company . He was very abrupt and was demanding proof of my husbands military status. I was 48 dpd at the time of the call on Monday. I was informing him I would be able to make a payment, to which he advised me was not acceptable unless I brought it totally current that day, and if I failed to do so, would request a Strict Compliance Letter. He made this threat to me only after I informed him that I had not been answering some of their calls because their caller id had changed. They now mask the calls, so that the caller id reads " XXXX operator " XXXX '' - and informed him that the CFPB could view this as a deceptive practice. It was after that point in the call his tone and demeanor changed despite my offer of payment, and he then threatened repo after I brought to light they may have a CFPB violation or concern. I was simplay trying to ask him if they could call me with something other than XXXX as the caller id. - I understand Ford is a First party creditor and is not bound by fdcpa. But they then called me 3 minutes later after this phone call occurred! The next morning They called me every two minutes again from the Caller ID XXXX XXXX OPERATOR. My concern for Ford is two fold. They are treating this account emotionally, as I apparently upset the collector with my CFPB concern, then manually requested a Strict Compliance Letter ( aka repo letter ) even though I had a pending debit on file. Then has called me repeatedly, literally minutes apart. They made an emotional decision, which I assure you if their accounts are audited, you will see their customers do not have a consistent time frame in which the " SCL '' letter is requested, and also that they are performing deceptive practices by having their calls appear os " XXXX '' operator on my phone, where it never used to. I do feel that although the FDCPA does not bind them from repeated calls. Every two or Three minutes, even with a contact from me is a form of harassment. Especially when I had a payment arrangement pending in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Paypal Holdings, Inc
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I made an account on PayPal so that I could transfer money to my bank account from ebay sales. However, PayPal took {$6.00} out of my checking account for a shipping label without my permission. PayPal needs to put the money back into my account. After PayPal transfers the money back into my checking account, it can close my account.

Company response to consumer: Closed with explanation