BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-21
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX XXXX, XXXX card closed the credit card I had. The card # is XXXX XXXX XXXX XXXX. The reason they said was because I tried to make a payment from an unauthorized account. The payment was returned and I have made payments from the correct account before and after this incident. The returned payment was made on XXXX XXXX, XXXX in the amount of {$XXXX}. The account unauthorized was an account in my name at the Federal Reserve in XXXX, account XXXX. I was told I could use these funds as they were in my name, but I was misguided and and made a mistake. What account I tied to use should not be relevant to the credit card company. That is between me and the account holder where I tried to make the payment from. I have pleaded with them to not close this account. I apologized for the mistake. I feel I am being treated unfairly because of this mistake I made. This is a case of disparate treatment. They do not close the accounts of other card holders for making the same mistake. I have been singled out and treated less favorably as a result of the mistaken unauthorized payment. My civil rights, Title VII of the US Civil Rights Act protects me and they need to treat me the same way they treat any consumer that makes a mistaken payment. Barclay 's has said they are closing all accounts who tried to make payments from the Fed. But they have admitted that they do not close accounts for other card holders who make mistaken payments from unauthorized accounts other than the Fed. Not fair treatment. A mistake is a mistake. There was no harm done as I paid a {$XXXX} returned payment fee. What is so special about my behavior and error in payment that gives them the right to close the account, while I was on vacation, when other consumers have made a similar error and not had their account closed? Barclays card customer service # is XXXX. Thank you, 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 2017-08-21
Company: Metro Collection Service Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My Wife and I lived in an apartment that became to expensive to live in once I lost my job. We had never signed a lease to stay at the property listed and were just staying month to month. When we found out that we could n't afford to live there anymore we were notified we could n't stay and we moved out within the designated period. We have since had a XXXX dollar collection put on our credit reports with two of the three bureaus. We do n't owe that money because we were not in the place long enough to have that amount accrue and because we never signed a lease in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
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 status incorrect

Complaint:
two accounts of mine ( XXXX XXXX acc ending in XXXX and XXXX XXXX acc ending in XXXX ) are reporting inaccurate lates on one occasion, i have already called and also disputed these inaccuracies from the bureaus and also from the creditor itself. i have received letter from he creditors basically agreeing to remove those inaccurate information, lates from my credit report due to banking error. please have all the bureaus remove this inaccurate information. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: CT
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with Synchrony on XX/XX/XXXX and requested a settlement. They agreed to settle for {$550.00}. It was agreed that I would give 3 payments ( {$180.00}, {$180.00} and {$180.00} ). These payments would be automatically taken out on XX/XX/XXXX ( Confirmation XXXX ), XX/XX/XXXX ( Confirmation XXXX ), and XX/XX/XXXX ( XXXX ). respectively. I was advised by Synchrony that once everything was cleared and verified, I would then receive a final settlement letter. Late XXXX of XXXX, I received the final settlement letter from Synchrony dated XX/XX/XXXX. The letter stated that everything had been verified and account was now settled. It also stated that the credit bureaus would be updated. My account was taken care of and it sat closed with no activity from XXXX XXXX of XXXX. In XXXX of XXXX, it started showing charge off again. I disputed this through XXXX and submitted my settlement letter. They advised that Synchrony was not agreeing with their own settlement letter. I began received calls from XXXX collections. I spoke with them and provided my letter to them through email. I then received an email back saying they were seizing collection activities due to the settlement letter, and would refer the file back to Synchrony. In XX/XX/XXXX, I received letters from Synchrony notifying me that I needed to provide proof of payments. I mailed them a copy of the settlement letter ( Certified ). I spoke with them on XX/XX/XXXX and they advised that the Settlement letter they sent me, was not enough proof. I also spoke with XXXX on XX/XX/XXXX and advised them of settlement, and recent activity on my credit. They opened a new dispute with the settlement letter, and referred me here.

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 2022-08-05
Company: Experian Information Solutions 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  Inquiry Date XX/XX/2021 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 2022-07-06
Company: Crow Creek Sioux Tribe
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan for {$840.00} from River Valley Loans on XX/XX/2022. Since then I have paid 7 biweekly {$150.00} payments, a total amount of XXXX. I contacted River valley surprised that I was still being charged, thinking I had paid it off. Just to be told that I only paid {$8.00} of my principal. How is that even legal? The payments are very high for a small loan and way too high of interest charges. I contacted them again and the only thing they would do is slightly reduce the payments. But would not reduce the principal I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Violation of FCRA Equifax lowered my score for no reason which is harming me and is stopping me from progressing in life Idemand to receive compensation. {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IL
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:
X/X/2017 I believe that my Equifax data has been compromised by a data breach and that my identity and credit has been compromised. I have used the Equifax system to determine that my information is part of the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, {$4800.00} was withdrawn from my account, to be returned to the SBA, despite being eligible for an EIDL loan and confirming this multiple times with the SBA.

As of today,XX/XX/XXXX, no funds have been received by the SBA. Where is my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Besides, the inaccurate information and inquiries about my accounts are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the personal information and inquiries that are still reporting on my account : Inquiries : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX Employer : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have emailed and mailed a copy of my Bankruptcy discharge to Capital One numerous of times in 2017 for the amount of XXXX which was included in my Bankruptcy discharge. Capital One has acknowledged recievment of the document, but its still listed on my account. I would like this information deleted from my credit report as it is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2017-08-21
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 status incorrect

Complaint:
two accounts of mine ( XXXX XXXX acc ending in XXXX and XXXX XXXX  acc ending in XXXX ) are reporting inaccurate lates on one occasion, i have already called and also disputed these inaccuracies from the bureaus and also from the creditor itself.
i have received letter from he creditors basically agreeing to remove those inaccurate information, lates from my credit report due to banking error. please have all the bureaus remove this inaccurate information.
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 2018-06-03
Company: Experian Information Solutions Inc.
State: GA
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 have repeatedly disputed several items on my report that are either not mine or inaccurate. This has been going on for almost 2 years now with no resolution. I have submitted documentation both by mail and fax on multiple occassions.

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 2017-08-21
Company: Quality Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Rent was {$XXXX} XXXX XXXX was there XXXX, XXXX, XXXX, XXXX, evicted.. Paid garnishment of $ 8,000+.  Now wants another {$XXXX}. Mean and abusive ; thieves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I wanted to return an item to XXXX, So I went online to get a contact through there website and I went to a wrong XXXX website that was looking identical not knowing it was a wrong site. I called the number I got from this website and the individual gave me a badge number and told me he was going to help. He told me to download an app called XXXX which did and they told me to open my bank account as that will be the easiest way to help resolve the issue I was experiencing with me XXXX account. I did and they told me to punch in some numbers that it is just a code that they are not taking my money. After getting off the phone with them I called my bank right away to notify them and the return part of the money which was {$1900.00} and they refuse to refund me the balance of {$490.00}. Which was part of the code they told me to enter not knowing they were stealing my money. 

Please help with resolving this issue.

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 2021-08-23
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:
Unauthorized and inaccurate accounts reported from 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 2017-08-21
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:
I have logged 9 complaints with Lexisnexis it took 6 complaints for them to correct an address change I logged with the CFPB. Again now they still are reporting false and misleading information in an effort to resolve this issue I reached out to there number listed on the report and guess what it does n't work says not available. Please check for yourself Below is there contact information try it If XXXX XXXX has any further questions for LexisNexis, please have him contact the LexisNexis Consumer Center via email at XXXXXXXXXXXX or by phone at XXXX. The LexisNexis Consumer Center 's hours of operation are Monday - Friday from XXXX XXXX to XXXX XXXX Eastern Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Experian Information Solutions 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 status incorrect

Complaint:
two accounts of mine ( XXXX XXXX acc ending in XXXX and XXXX XXXX acc ending in XXXX ) are reporting inaccurate lates on one occasion, i have already called and also disputed these inaccuracies from the bureaus and also from the creditor itself. i have received letter from he creditors basically agreeing to remove those inaccurate information, lates from my credit report due to banking error. please have all the bureaus remove this inaccurate information. 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 2017-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
dates from XX/XX/XXXX TO XX/XX/XXXX XXXX AND TRANSUNION CREDIT BUREAU OVER THESE MONTHS I HAVE DISPUTED FOR ACCURACY AND VERIFICATION AND VALIDATION OF PUBLIC RECORDS, NEGATIVE ACCOUNTS AND INQURIES THAT WAS UNAUTHORIZED. NOT ONLY DID I DISPUTE THESE ITEMS BUT I REQUESTED FOR THE METHOD OF INVESTIGATION AND I REQUESTED FOR CERTAIN ACCOUNTS TO BE CHECK FOR ACCURACY AND IF THEY WAS, TO PLEASE UPDATED THEM IN MY CREDIT REPORT AND TO EXPLAIN HOW THEY WERE VERIFIED. OVER 3 SEPERATE DISPUTES I REQUESTED THE SAME REQUEST AND THEY NEVER DID. WHICH IS A VIOLATION OF THE FCRA.. THEREFORE THE ARE OVER THE 30 DAYS DISPUTE ON EVERY DISPUTE I FILE.
I ALSO FILE DISPUTE FOR INQURIES AND THEY NEVER DISPUTED THEM. WHICH IS A VIOLATION OF THE FCRA.. THEY ARE ALSO OVER THE 30 DAYS.
XXXX HAVES DISPUTES THAT I SENT THEM, THAT THEY NEVER DISPUTED AND THEY ARE NOT FRIVOUS DISPUTES I AM REQUSTING THAT THEY DELETE AL THE NEGATIVE ITEMS THAT DISPUTE FOR NOT VERIFYING THEM WITHIN THE 30 DAYS, OR I WILL FILE COURT INJUNCTIONS AND CIVIL SUITS AND MORE COMPLAINTS. ALSO COMPLAINTS ITH THE ATTORNEY GENERAL.
THESE ARE THE ACCOUNTS THAT MUST BE DELTED. THEY ARE ALSO INVOLVE IN FRAUD 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 1. TX BANKRUPTCY XX/XX/XXXX 2. TX BANKRUPTCY XX/XX/XXXX3. MO BANKRUPTCY XX/XX/XXXXINQUIRIES ARE THE INQURIES THAT I DISPUTED.
I ALSO REQUESTED A FREEZE ON THESE CREDIT REPORTS AND SOMEONE IS STILL GETTING INQUIRIES FROM MY CREDIT REPORT AND THEY JUST DONT CARE. THESE COMPLAINTS THAT I AM FILING IS VERY TIME COSUMING BUT IF THEY CONTINUE TO WASTE MY TIME, THEN THEY WILL PAY WITH LAW SUITS

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 2017-08-21
Company: EQUIFAX, INC.
State: IL
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 have been a customer of XXXX XXXX for my 2nd mortgage and they have reported incorrect information on my credit on multiple occasions. I have spoke with them many times and each time they tell me I have to submit a report to have them fix their issue. I make my payments 2 weeks ahead of time to avoid any potential late payments, but somehow they keep reporting errors on my credit. All I want is they to get their act together and stop reporting wrong information hurting my credit stating I once again made a late payment even though I did not.

Company response to consumer: Closed with explanation