BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-30
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:
I have the app XXXX XXXX to keep track of my shoes. I recently logged on and saw unknown, suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}

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 explanation
Consumer complaint received 2015-06-11
Company: First Data Corporation
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Tired to cash a check at the local casino, XXXX XXXX, about XXXX months ago. It was refused and they referred me to Telecheck. Called them and they said it was lack of information and history. They updated my file, and said any check would be accepted. Tried to cash a check last week at XXXX XXXX and it was again refused. They gave me the refusal code and I again called Telecheck. They have you listen to a recorded message about the refusal before you get to talk to customer service, which I did and then talked to XXXX of their reps. He explained that the reason the check was refused was because there was no history of cashed checks with other Telecheck merchants. 
I live in XXXX NV ( less than XXXX people ). Do you think we have loads of merchants using Telecheck? Asked him if there was any negative information -- " NO '' was the reply. So my checks are getting refused for absolutely no reason except that Telecheck wo n't let the casino accept my check. 
This was made even worse since there were people around ( people I knew from church ) who saw that my check was refused. This was horribly embarrassing!! 
Telecheck has NO negative information BUT they are stopping me ability to cash a check at the local casino. 
I talked you XXXX of YOUR reps on the phone and she instructed me to file the complaint on-line using the category " credit reporting ''. You have permission to access any of my credit information to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: EQUIFAX, 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 recently checked my credit report bc I was trying to purchase a new car and noticed several accounts that did not belong to me on my Credit report. I immediately filed a police report and wrote the credit bureaus about the fraudulent information but with no luck. I reached out to the companies as well but with no real resolution. I am listing below the accounts, amounts, and dates. 

Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$3000.00} Account : XXXX Date : XX/XX/XXXX Amount : {$2200.00} Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$8100.00} Account : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Amount : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a public record listed on my file that Experian is reporting such as a bankruptcy which is inaccurate and incomplete. The federal laws requires that the credit agencies provides mechanisms to ensure that each item in my credit file belongs to me and is accurate and complete. I have requested from Experian numerous times for validation which is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this Bankruptcy and they have failed me only to return stating that is has been verified without any proof. I have letters from The Federal Bankruptcy Courts saying that they Do Not report to the consumer reporting agencies but yet they continue to say they have verified it through the courts and I know they do n't because the information is inaccurate and incomplete.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion is omitting a auto loan of XXXX I financed this vehicle in XX/XX/2022, and Transunion 's credit report omits this loan financed via XXXX  XXXX XXXX. That's not fair to me the consumer.

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 2022-09-08
Company: National Credit Adjusters, LLC
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:
Alerted that National Credit Adjusters placed a derogatory statement on my credit reports. I am a victim of identity theft. Someone used my information to open an account at XXXX. I called XXXX to notify them of identity fraud and I was told that they would open a ticket, what ever that means.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: OneMain Finance Corporation
State: FL
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 open this account 2 1/5 years ago. ACCOUNT # XXXX They request that I set up automatic payments as there terms, I agreed and provided then a blank voided check. This account was never late but according to there report it shows account was late because automatic payments was never set up properly. I called one main was told it would be corrected. I was told to write a letter to there credit department which I did and again was told it was going to be correct. It has been two years an they still have not corrected the error

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Not sure who this is but they keep sending a recorded message to my job asking for me and reveling personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Experian Information Solutions Inc.
State: FL
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:
I have a list of accounts that show incorrect information on my credit report. I've gone back and forth with the creditor and the bureaus for a while and the problem is still not fixed. I've attached the accounts below. They need to be removed from my account. I listed the reason 's why as well.This has brought much grief and heartache to me and my family, I hope this is we can get this resolved.

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 2016-01-20
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I attempted to add my friend as an authorized user to my Barclays XXXX XXXX on XXXX/XXXX/2016. My account was placed in a limited mode with absolutely no warning or notice given to me on XXXX/XXXX/16. I am unable to make any purchases. I called Barclaycard XXXX on XXXX/XXXX/16 and spoke to the front line CSR. She informed me that they had requested certain information from me and it was not received. She stated that the request for information was sent yesterday ( XXXX/XXXX/16 ). I received no such request, and no requests at all. I decided i did not want to deal with card shutdowns on my own account, so I asked to withdraw the request to add an authorized user to my account. The front line CSR stated that this was impossible now that the notation was on my account requesting information. I then stated that I wanted to cancel my account. I was told i could not cancel my account. I asked to speak to a supervisor. XXXX, the supervisor, restated the same inforamation that the front line CSR had stated. It 's impossible for me to fathom that I can not close my own credit card account. I have paid off the entire balance on my card, maintained a very positive relationship, and have never had a late payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Financial Solution Providers LLC
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On  XX/XX/XXXX , I received mail from Financial Solution Providers LLC, stating that I owed a current balance of  XXXX  from  XXXX . I immideately called and spoke with  XXXX   XXXX  at  XXXX  EST, i advised her that this debt was settled in  XX/XX/XXXX    with  XXXX  and  XXXX   ,  I offered to give her their number so that they could work it out. She advised me that I would need to mail in documentation stating that it was settled. I have no problem doing such thing, but I want to make sure this does n't happen again. So I requested the contact information for original creditor so that I could settle this once and for all. She advised me that I would need to speak with one of her supervisors,  XXXX   XXXX  or  XXXX   XXXX , in order to obtain verification of debt. Well today on  XX/XX/XXXX , I received a phone call from both   XXXX   and  XXXX .  XXXX   XXXX  called and ultimately threatened to seize my tax refunds and to damage my credit, he also advised me that he would be emailing me the verification that I requested. Instead I receive a phone call from  XXXX   XXXX , as i was telling my young daughter  XXXX  to exit the room while I was on the phone,  XXXX   XXXX  screams at me and says my name is not  XXXX  and as I try and tell him who  XXXX  was, he threatens me with legal action, further suggesting that I obtain a good lawyer. I am being   XXXX   XXXX   with a debt that was closed 4 years ago, all i asked of them was to provide me with verification of debt and contact information of the original debt collector so that I would n't have to keep going through the same thing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: MI
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2017-01-27
Company: Paypal Holdings, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Complaints XXXX Consumer Financial Protection Bureau PayPal Headquarters XXXX via website XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : XX/XX/XXXX statement from XXXX I received the attached creditor demand dated XX/XX/XXXX just after the XXXX. I was surprised as this was the first time I became aware of an outstanding matter with Pay Pal. I have not used Pay Pal in years, and when I joined my use was infrequent. I do not even know my log in credentials. If I owe money for some reason I would appreciate the details. To have revert to a collection agency was unfair and slanderous tactics. 

Kindly provide detail for this matter so we all can arrive at proper satisfaction. 



XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted Equifax over the phone to dipute XXXX accounts on my credit report that does not belong to me. The account s are XXXX XXXX XXXX acct # XXXX and XXXX Acct # XXXX. I have filed a police report under report # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Can't get access to my Massachusetts unemployment card account please contact me 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 2015-06-29
Company: Ocwen Financial Corporation
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
ON OR ABOUT XX/XX/XXXX I TOOK MORTGAGE OUT WITH XXXX XXXX XXXX LOAN NO. XXXX AND IN THE PROCESS TRANSPOSED NUMBERS AND IN ERROR CREATED A NEW LOAN TO SELL TO XXXX, XXXX & XXXX XX/XX/XXXX. 
THE GOOD NOTE # XXXX AND BAD LOAN NO. XXXX BOTH ACCOUNTS APPEARED ON MY CREDIT REPORT AS DUPLICATE, AND DISPUTED THIS PROBLEN WITH ALL CREDIT BUREUS WITHOUT CORRECTION AND VERFIED VIA FURNISHERS TO BE CORRECT XXXX TIMES UNTIL S.O.L. EXPIRED ON XX/XX/XXXX AND FINALLY DROP OFF AND WHEN SOLD OR TRANSFERRED TO OCWEN LOAN SERVICING LOAN XXXX REPORTED AS DUPLICATE TRU THIS DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
My Barclays credit card was fraudulently charged {$5200.00} on XX/XX/XXXX. When I realized this on XX/XX/XXXX or XXXX, XXXX I went online to the Barclays website and reported it as a fraudulent charge. I received an automatic response that they would look into it. 
The next day my credit card didn't work and I realized that they had canceled it. They emailed me that they were removing the charge. They sent me a new card. 
On XX/XX/XXXX I received a form letter from Barclays ( XXXX XXXX XXXX XXXX XXXX  XXXX ) saying that their investigation had determined that the charge was valid and it had been put back on my account. 
I called the telephone number shown on the letter ( XXXX ) and assured them that it was NOT a legitimate charge. 
The customer service representative told me that I had to contact the vendor and tell them they had made an error and ask for a credit. They gave me a telephone number ( XXXX ) and told me it was an XXXX XXXX store in XXXX, XXXX XXXX 
There was no answer and no voice mail on that phone number. 
I called Barclays again and another customer service representative assured me that it was IN FACT a legitimate charge, for me under my name, at my address, using my credit card ( which has a chip in it ). She read me a list of construction supplies including labor, plumbing and trash removal but refused to send it to me. She said several times that I was probably forgetting that I had made this purchase. And if not forgetting, that I was lying. 
She told me the only thing I could do was file a police report. 
I have filed a police report against Barclays, and also a complaint with the XXXX  State Attorney General 's Office. I faxed these materials to Barclay but have heard nothing from them. 
They have now added an interest charge of {$150.00} to my Barclays credit card account. 
I have had that card for several years and pay my bill in full every month. This is the first time I have had a fraudulent charge.

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 2015-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I called the XXXX XXXX Bank and I told them someone open fraud account under my name. I also told them that I have fraud alert on my name company called me. The presonnal that I was speaking to told me that they do n't call. I think that was their fault and i think should be deleted completed. ( that is not me ) Also i have others inquiries under my nameXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: GREAT LAKES
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I currently have {$38000.00} in private student loans. With the interest rate and payment plan that I am on ( XXXX ), I will end up paying to the loan companies about {$78000.00}. Which is more than XXXX my actual loan rate. I was not informed of this when I took out the loans and I am struggling to make ends meet and working XXXX jobs, but I am still scraping by to make ends meet on top of paying my other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: BARCLAYS BANK DELAWARE
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Barclays credit card cashed my certified check of {$5400.00}, but did not credit my account. The company told me they have no record. I have a copy of the cashed Certified check that was cashed by Barclays on XX/XX/12. They refuse to credit my account!

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 2016-02-01
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When refinancing a mortgage for my brother we decided to go with Ocwen. The loan set up officer told us that he had insurance on the loan so if he passed away the mortgage would be paid off. We have a recording of him stating that fact. Two years later my brother passed away. Now they are saying they can not talk to us because they do n't have a record of who the fiduciary is. We have emailed, and faxed the court records numerous times. Every time they say they have not received it. When we call them they put us on hold for an extended period of time and then we are told the person we need to talk to is gone for the day. This has been going on since XXXX 2015.

Company response to consumer: Closed with explanation