BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: BARCLAYS BANK DELAWARE
State: LA
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:
I went on a cruise wi th Carnival Cruise Lines fir st week of  XXXX   2016 .   I used my personal master card tied into my room number and no other cards were permissible for use.   In  XXXX , I received a  letter from a collection agency stating I owe Carnival world Mastercard {$600.00}. I called Carnival Cruise Lines and dispu ted my claim to not owning a Carnival Mastercard. They stated that there was a mix up and would look into the problem.   In  XXXX  I received another letter from  XXXX   XXXX   XXXX  - Creditor :  Barclays Bank Deleware stating  I owe  XXXX  with several pages o f Carnival World Mastercard State ment. It had my name with another address which was not found as a working address. I first called  XXXX  collections agency and spoke to  XXXX   XXXX . He said there w as nothing he could do with the charged that I would have to contact Carnival World Mastercard. I called the Carnival Maste rCard company and spoke to  XXXX   XXXX  about the issue. I explained that I had previously called and was told it would be handled. She told me she could not do anything to contact the collections agency. I proceeded to tell her that I was directed to call her company. I gave her all of my personal information to check for any open accou nts. Explaining to her that the mailing address was incorrect on the Carnival World Mastercard    bill I received only the second time I was contacted by  XXXX   XXXX  agency. The bill not only has my name without my correct address, it is not clear on what the charges are for. It states Fun points ending balance and h  as 10 pages of the statement that does not give any clear information.
This is a bogus statement put in my name in order to attempt to r  eceive funds.

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 2021-11-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
EQUIFAX IS NOT ALLOWING LENDERS TO VIEW MY CREDIT REPORT AND WE ARE BEING FINANCIALLY EFFECTED BY THIS AS XXXX ARE TRYING TO REFINANCE AND GET QUOTES! XXXX LENDERS STATED THEY CAN ONLY SEE MY XXXX REPORT BUT SOME REASON EQUIFAX IS NOT BEING ABLE TO BE RETRIEVED! 
I WENT INTO EQUIFAX.COM, UNDER MY ACCOUNT AND WHEN I CLICKED ON, '' VIEW CURRENT CREDIT REPORT '' IT DENIED ME GETTING IT AS WELL!! 
STATUS SAYS '' UNAVAILABLE, BLOCKED DUE TO " PROMOTIONAL PURPOSES!!!??? '' WE NEVER GAVE OR REQUESTED EQUIFAX TO PUT ANY BLOCK OR FREEZE!! 
THIS IS ILLEGAL TO WITHHOLD INFORMATION THAT CAN CAUSE FINANCIAL DEVASTATION TO OUR LIVES WHILE MORTGAGE PAYMENT COULD DRASTICALLY DROP IF WE CAN NOT GET REFINANCING IF THEY DO NOT RELEASE AND UNBLOCK IMMEDIATELY AND ALLOW LENDERS TO SEE MY EQUIFAX CREDIT REPORT, I WILL FILE A LAWSUIT AGAINST EQUIFAX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 attempted multiple times to get an invalid collection removed from   XXXX   and Transunion (   XXXX   conducted their investigation properly and it was removed ). I have also filed complaints on the biller directly. The collection is from  XXXX   XXXX . This company has not been compliant with properly handling the billing dispute. I have filed several complaints, and they refuse to do the right thing. So I disputed the matter directly with the credit bureaus.      XXXX  is attempting to collect a debt for a service that was improperly billed (  XXXX  bills total ). The bill was supposed to also go to my secondary insurance, however, it only went to my primary. I notified the original creditor about the error last  XXXX , instead of them billing both insurances, it was sent to collections ... Transunion removed  XXXX  of the bills, but not the other. Both bills should be removed.   XXXX   has not removed them at all, and keep stating they are valid- which they are not.

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 2019-08-08
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient keeps calling at XXXX and Ive told thrm not to do this in the past. They call about every two hours in the middle of my work and at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2019-08-26
Company: Experian Information Solutions Inc.
State: VA
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:
The following accounts are not mines these accounts are due to identity theft and has not only affected my credit file but mentally drained me. I've also been victim of the XXXX data breach. I'm demanding that the following accounts be removed from my credit file immediately. Please remove the following. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX {$550.00}

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 2017-04-25
Company: Colony Brands, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Swiss Colony apparently sent product to an old home address and items were not received by me but were on my account. Items apparently never returned to Swiss Colony or forwarded to my new addres s.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: Experian Information Solutions Inc.
State: PA
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:
There is an inquiry from "  XXXX  ''. I have not done any business with this company.

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 2022-02-21
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: Was not notified of investigation status or results

Complaint:
I am requesting that my credit report dispute be reviewed. This is the 4th attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.

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 2019-08-26
Company: EQUIFAX, INC.
State: VA
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:
Some how my name and ssn number been compromised and it has affected my credit file and now reporting unknown and unauthorized accounts inwhich I'm demanding be removed immediately. The following accounts are not mines. 

1 ) XXXX XXXX XXXX {$100.00} 2 ) XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
According to my credit report, MIDLAND FUNDING LLC purports they have the right to collect {$1500.00} from me. They have been reporting this amount since 2017. 

After speaking with the credit bureaus ( who I have addressed separately ), they have not spoken with anyone at Midland Funding regarding my name or an alleged account. 

This means Midland Funding, LLC has been verifying information illegally. Also, they have not sent me any notices regarding my right to dispute, or any mailings for that matter. They continued to list this account as " open '' and not " in dispute '' despite my disputes with the credit bureaus. 

They need to be reminded that, according to the FDCPA, Debt validation includes the following : 1.Who was the original creditor on this account, and what was the account number? 

2.What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 

3.Please provide me documentation that indicates that I agreed to pay someone this sum of money. 

4.What was the original date of delinquency for this account? 

5.Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 

6.What did you pay for this account, and how did you calculate the current amount owed?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
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:
There was an account that was in collections. this was paid in full on  XXXX . This item continues to remain as an open collection even though i have supplied info to equifax showing that this has been paid and needs to be adjusted and they continue to claim that they are " verifying the debt '' which is impossible as i have a letter that shows this incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I was on a repayment plan and was making the scheduled payment through an auto debt from my checking account. I lost my job in XX/XX/XXXX and have not been working since. I called when I lost my job and they stated there was nothing for me to do except to call back when I could make the payments again. Unfortunately Ive not started work as of yet and the job I do have I will be salaried for about 20,000 less annually than what I was making on top of that Ive recently been divorced and have an extremely large child support order to pay for the next 14 years. My co borrower is a XXXX XXXX XXXX   Veteran who is on XXXX and Navient continues to call and harass him and threaten to take his home and sue him. Also Pennsylvania XXXX XXXX XXXX XXXX XXXX has been closed since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-04-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
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:
On XX/XX/2019, XX/XX/2019 and XX/XX/2019, I sent certified letters to TransUnion ( copies with proof of delivery attached ) requesting the removal of XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, which are debt collectors, not creditors. I have never received any credit from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. To date, TransUnion continues to report these accounts without conducting a reasonable investigation and providing proof of the debt to me. I requested proof of the debt from TransUnion according to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I have not received validation of any of these accounts. I don't know how TransUnion can continue to report a collection trade line without evidence of the debt. TransUnion 's actions are hindering me from obtaining a mortgage to purchase a 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 non-monetary relief
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Investigation did not fix 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 2019-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Capital one closed account without notice before due date of mailed in payment, payment made left a credit of {$490.00} and was told that I would receive a check in 60-90 days of the credit. account has only been open 30 days and payment was posted on the XXXX and applied. I spoke to fraud department and was told it was necessary to take 60-90 days without any explanation, payment only took one day to post to account and account is closed so no further adjustment can be made. balance has already been determined and applied, yet I will have to wait longer then account was open for a return of the credit {$490.00}. it takes less then 7 days to post a check, and account shows already posted..check was mailed out XX/XX/19 and received XX/XX/19 account number ending in XXXX certified mail number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a loan  with One Main Financial in   XXXX . In  XXXX  I became very ill and was unable to pay on time. In  XXXX  of  XXXX  I spoke with  XXXX   XXXX  from  XXXX   XXXX   XXXX   XXXX . He and I made a settlement agreement for {$4100.00} to be paid on the last day of the month for 12 months via automatic withdrawal. The final payment, I requested, to be made on  XXXX   XXXX ,  XXXX . All payments were made on time, so I thought. On  XXXX   XXXX , at  XXXX  am I received a call from  OneMain  regarding my account. I immediately looked at my account records and noticed my  XXXX   XXXX  payment was not taken out. I contacted  XXXX   XXXX , who I originally worked with. He told me, the day before my payment was to pos t, OneMain too k my account back. He did not know why and I was to cont act OneMain a nd  XXXX . I spoke with  XXXX   XXXX  on  XXXX  and was to fax the settlement agreement to her. I did this and the payment was taken out on  XXXX .     I pulled a copy of my credit report yesterday. On my report,  OneMain is r eporting twice, once for the original loan and another time for the last payment. It is also reporting the last payment late, however they were the ones who cancelled the last payment. This is not right. In addition to this, they were supposed to send me documentation that this was paid in full 10 days after the final payment was made. I still have not received this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to provide a response to our QWR -Qualified Written Request that was submitted to them on  XXXX / XXXX / 1  7 - This is a Violation of RESPA guidelines and we are unable to provide our client with an adequate review and assistance to the ir delinquency with no response to the loan history being requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: CITIBANK, N.A.
State: FL
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:
Since I upgraded to the Macy 's American Express card, I am unable to see any transaction on the activity section of my online account. I have contacted technical support multiple times. I heard multiple reasons as to why is it not working, from removing the card from the online profile, then adding it again, which did not fix the problem ; to only transactions made at Macy 's will show there, which seems strange seems why would they offer an American Express version with such a limited online system.

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