BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-02
Company: National Credit Adjusters, LLC
State: WI
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 obtained a title loan from Wisconsin XXXX XXXX XXXX XXXX XX/XX/XXXX for about XXXX dollars. I defaulted on the title loan and my vehicle was repossessed. I was told that was the end of that. I recently checked my credit report and saw a closed account from National Credit Adjusters from non payment of XXXX dollars they said that I owed Wisconsin XXXX XXXX XXXX XXXX. The date this account was opened by National Credit Adjusters say XX/XX/XXXX and the acoount was closed XX/XX/XXXX. Now I was never informed by Wisconsin XXXX XXXX XXXX that I owed them anything after they took my vehicle. I was never sued for any judgement I was never contacted by either of these companies for anythng. When I called Wisconsin XXXXXXXX XXXX to ask they told me to call National Credit Adjusters and when I called National Credit Adjusters they told me to call Wisconsin XXXX XXXX. In the meantime I have a XXXX XXXX dollar closed account that has greatly impacted my credit score and I am almost positive what they did is illegal from the rresearch that Ive done

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
I have an XXXX XXXX XXXX Aviator Red Master Card that was closed due to a {$14.00} charge that went 90 past due. I was not aware that a {$14.00} charge was posted to my credit card as I made a {$1400.00} payment to this card account in XXXX 2015 to bring the balance to zero. All communication to me by the bank was sent electronically and was never received. I incurred and paid {$120.00} in late fees for the {$14.00} charge. The Bank never notified me that my account was past due and that it was being reported to the credit agencies. On XXXX/XXXX/15 I was mailed a hard copy letter informing me that my account was cancelled and that the delinquency was reported to the credit agencies. No communication of this issue was made known to me by mail before XXXX/XXXX/15. Customer service at the credit card company/BANK is unresponsive. Promises to remediate have been made with no follow up. The credit card company has admitted to me that proper notification procedures were not followed. No follow up or further communication by the card company has been completed. Principal and late fees totaling {$130.00} have been paid even though the original charge in question was only {$14.00}. The primary problem is email communication including bill delivery that likely never reached my inbox due to spam filtering. Lesson learned, do not select electronic bill payment and presentment. Stick with snail mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bad Customer Service and Withholding of funds due to the mistake in calculations and inexperienced representative ( s ). 
On XX/XX/2017 I provided Proof of HO Insurance to the USAA representative. Same date I was advised that my escrow wil be recalculated and that the check with the amount to pay for the insurance will be sent to the Insurance company. Immediately I contacted the rep and advised that I already paid the full amount for the insurance. Representative advised that the check was issued and they can not stop it and that I will need to get in touch with the insurance company to get my money back. This doubled my mortgage payment and took 60 days and still i have not received anything back. 
I have been in contact with USAA representatives ( at least XXXX different reps ) since XXXX. Every single time i am told that the conversation was recorded and the records to my account were updated to recalculate amount and that i will receive information within 2 weeks. But every single time i called /wrote back, new representative asked the same set of questions and advised that this should be taken care of and will take another 2 week. I also have a string of e-mails reflecting the same. Escrow amount had to be recalculated 4 times because they kept making the same mistake. Once finally amount was recalculated and they figured out what they need to disburse back, the check never came. I was advised that it was issued on XX/XX/2017, but when i reached back on XX/XX/2017 i was advised that they can stop payment on that check and re-issue new one. I font believe that that check was ever sent. Again, the rep. advised it will take -3 business days to cut that check and another day for delivery. It has been over 60 days and no one even bothered to make sure it is prioritized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-13
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX Date Opened XX/XX/2016 Balance : {$400.00} According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX BANK OF AMERICA XXXX Open Date XX/XX/2019 Balance : {$260.00}

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 2017-07-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I checked my transaction on line and over the phone before pickup and its status was available. However, when I attempted to pickup at the ACE CASH EXPRESS - # XXXX at XXXX XXXX XXXX I was told the transaction was not available. She also gave me a printout that stated the number to call and a warning message which shocked me. I called money-gram while at the location and was told money-gram was refusing to provide me its services due to discomfort which is not a term of service or policy. When I contacted my sender they stated to me the transaction is still available and shows available when I check it a moment ago today X/X/2017 at XXXX. I am confused by what is happening and am wasting my time and money to travel to pickup. I called again at XXXX XXXX and the agent stated the transaction is not available and the sender has to call in even thought the website states the transaction is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: IL
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 inquires on my credit that I do not recognize and they need to be removed now. they are all included below and on my ftc report, that are from ( XXXX  card services ), ( XXXX bank, ) ( XXXX XXXX XXXX  ), ( XXXX XXXX ) XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Application processing delay

Complaint:
My wife and I recently applied for a Barclaycard XXXX Credit Card. After receiving letters that Barclay required additional information/verification of information I made phone contact with Barclay. In order to proceed with the applications I need to mail them a copy of our social security cards ( front and back ), driver 's license ( front and back ), bank statements, and a recent utility bill. If this does not raise red flags then I do not know what does. We have excellent credit scores ... above XXXX into XXXX with no creditor issues. When I asked why in this day in age I would want to send this highly sensitive personal information in the mail to complete strangers I was told not to worry as the information would be shredded upon use. That was suppose to ease my fears of identify theft, I guess. This process does not appear to be appropriate when applying for a credit card. Previous contacts with card companies in the past have always provided instant approvals after they checked our finances while holding on the phone. Needless to say we are not moving forward with the applications only because of security concerns of our personal information.

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 2017-05-22
Company: Allied Collection Services, Inc. (Nevada)
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX / XXXX /   17 I  received a credit report monitoring update that a collection was place for {$240.00} through Allied Collections with no contact information for this account, no previous attempts to contact me through mail or phone. I call the company at  XXXX . They are located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NV  XXXX . I spoke to  XXXX  at   XXXX   XXXX   on Monday  XXXX / XXXX /   17.  He informed me the debt was for {$240.00} with   XXXX   XXXX   XXXX   I then informed him I was never contacted by his company, he said a letter was sent out earlier this year, to an address I do not live at In a town I do not live in. I also informed him this company is not even licensed to practice or lend in the state of Michigan. I have been dealing with illegal debt collection from this company before and the CFPB knows this and has deleted this before. I was given an email address of  XXXX  XXXX  XXXX  to dispute the claim. I sent an email immediately demanding that it be removed from my credit report in the next 24 hours. I then came here to file my complain as this company has illegal debt collection practices.     1. Trying to collect a debt with no proof of debt, from a company not even licensed in the state of Michigan to give out loans.
2. Not notifying person ( myself ) that a debt was trying to be collected, allowing me to dispute said debt.
3. Reporting negative on my credit report in behalf of an illegally running company.
4.   Not checking on the company they are doing services with to make sure the debt collection is even legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have spoken to Portfolio Recovery Associates repeatedly about my financial situation and inability to pay off this debt. They have sent me a hardship form only after many, many requests and now they repeatedly act as if they never received the forms I returned using their envelopes and the correct address. They refuse to provide a fax number for the form and they also refuse to acknowledge being able to email the form to them. I want the phone calls to cease and I want them to accept this hardship form through email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have disputed with TransUnion about XXXX XXXX Act # XXXX where the account was to be removed as it was agreed upon for payment in full ; however, INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. It was changed to Not Specified.

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am submitting this CFPB Complaint today to follow up the previous CFPB complaint I submitted last XX/XX/XXXX. I have read that under the Fair Credit reporting Act section 650b, The Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. I was a victim of identity theft and that the items I dispute were the results of such crime. The disputed accounts and information were opened without my knowledge. The fraudulent items include the following : XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. If the Credit Bureaus claim that the disputed items were verified and belong under my name, I request that the Credit Bureaus send me copies of proof of verification or any documents bearing my signature to support the Credit Bureaus claims.

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 2022-09-13
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Venmo closed my debit card and said " Were writing to inform you that we've detected some activity on your account that appears to be in violation of our User Agreement. Engaging in this activity is high risk and may leave you or others vulnerable to fraudulent payments and scams, both of which can lead to financial loss. Because safety is our priority, we have made a business decision to close your Venmo Debit Card. '' I don't believe I even used the debit card so I don't know what activity violated anything in the agreement. I have not received any information from Venmo about this sudden closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a dispute over {$490.00} charge and the cc company credited back to account and I have supporting data and letter to support this from the credit card company. Credit card company then rebilled same charge again on same day and billed me with interest and harassment calls 3 months later. The card was closed after credited the {$490.00} and yet the charge mysteriously appeared months later. 
Ive called twice, was transferred a minimum of 3 times, they still have no resolution and they claim they record all calls and Ive asked them to review their records of call made to me stating account is closed and all charges were at XXXX. I also reminded them of letter they sent me stating the credit and if they needed any other info from me theyd contact me. They never contacted me. They simply started billing me finance charges, and made phone calls to me on Sunday asking me for resolution to my bill. What a joke!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan with New Rez was paid in full on XX/XX/21 when I sold my home. 

There was an impound escrow account with a balance of {$2800.00} that was due back to me as a refund. 

I have called New Rez numerous times ( XX/XX/21, XX/XX/21, XX/XX/21 ) and the service agents couldnt explain the delay until the last call on XX/XX/21. That agent, XXXX took my banking routing information and said the refund would be deposited in a day or two. 

Its now 3 days and almost 2 months since the mortgage was paid in full. I read that they have 20 days to issue that refund and we are well beyond that time frame. 

Account # XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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 am submitting this CFPB Complaint today to follow up the previous CFPB complaint I submitted last XX/XX/XXXX. I have read that under the Fair Credit reporting Act section 650b, The Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. I was a victim of identity theft and that the items I dispute were the results of such crime. The disputed accounts and information were opened without my knowledge. The fraudulent items include the following : XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. If the Credit Bureaus claim that the disputed items were verified and belong under my name, I request that the Credit Bureaus send me copies of proof of verification or any documents bearing my signature to support the Credit Bureaus claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Accurate Background
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My report states XXXX  for 2 years.i am not on XXXX. My 12 months were suspended. Good behavior for two years, which is not XXXX. I am not prohibited from leaving the state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: AE
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief