BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-29
Company: BARCLAYS BANK DELAWARE
State: NJ
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 was told I 'd be sent a credit balance refund for over 3 thousand dollars from Barclays. After letting them know I never received this, I received a call today alerting me that the check was cashed and because it was cashed there was nothing further they can do. Barclays was in possession of documents that I was a victim in identity theft cases and failed to properly handle this. Not only will they not reissue the check, they 're showing my balance positive for just under {$700.00} and marking me late on my credit bureau.
I want the proper refund minus my current account balance and for my credit bureau to be properly adjusted and to never have to deal with barclays again. Their business tactics have been disgusting and appalling Barclays is taking what I deem to be illegal methods by completely ignoring that an active fraud case was pending while this took place. I sent bank statements in a timely manner to the office of the president and they ignored my query

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 2022-08-30
Company: WELLS FARGO & COMPANY
State: NY
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:
In 2020 Wells Fargo had to change our account number for fraudulent XXXX charges. It started all over again and for months I have called and sent 2 certified letters to have them stop these changes. I also sent a certified letter to XXXX no one will help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-29
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i never owed this debt and there claiming i owed it they lied in your response i have a letter from synchonry that says otherwise they need to be investigated for illegal collections tactics this was there previous response Crown Asset Management ( 'CAM ' ) is in receipt of XXXX XXXX XXXX CFPB Complaint Case # XXXX. As stated in our Consumer Relations Policy, in all that we do, we strive to treat consumers with respect and integrity. We are committed to engaging in dialogue that is respectful and constructive, creating solutions for our consumers that resolves their debt, and ensuring that those who work on our behalf adhere to these same standards. Our investigation of this matter indicates that XXXX XXXX XXXX XXXX opened a XXXX XXXX ( formerly XXXX XXXX XXXX XXXX ) XXXX 's XXXX Business Credit Card account ending in XXXX on XX/XX/XXXX, for which XXXX XXXX is the personal guarantor. From XX/XX/XXXX until on or about XX/XX/XXXX merchandise including, but not limited to cat food, cat litter, cheese, deodorant, and approximately {$8700.00} in gift cards was charged to the account without any payments thereafter. The account was charged-off on XX/XX/XXXX, and subsequently purchased by CAM on XX/XX/XXXX. Additionally, and as part of our investigation CAM is unable to confirm XXXX XXXX XXXX XXXX has filed bankruptcy as stated in the complaint. However, since a copy of the credit application, or similar original account-level documentation, confirming XXXX XXXX is a personal guarantee is not readily accessible at the time of this response, CAM shall cease future collection efforts from XXXX XXXX until said documentation is received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an account in collections that was paid. Exquifax has not updated or removed the account. I submitted a dispute, which they " investigated '' and responded with the information being " verified '' and an overdue balance. I contacted the creditor, who verified that the account was paid over a month prior and that the account had been updated with all XXXX major credit bureaus. I again contacted Equifax, they refused to update their information or attempt to resolve the misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX continues to report that collections from XXXX XXXX XXXX are mine. Those collections are at zero blaance and never got old enough to be collections, XXXX company has agreed and said that they sent requests to have them removed from my report. XXXX is clearly not verifying ANYTHING with this company because they continue to report these as past due. They have been removed from my report in the past and then added again, which I believe is illegal.

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 2017-04-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I mailed a Multiple Inquiry Removal Letter by mail to dispute information, regarding hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/2017 and they completed the request on XX/XX/2017. I also mailed out a letter disputing inaccurate reporting items on my credit that was received at their location on XX/XX/2017 but the request was also completed on XX/XX/2017. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my letter, one can assume that there was no investigation into the matter. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have provided proof of the letters I sent along with the date it was received at their location. Also, I provided proof of the date that their response was written back to me. If I received it on XX/XX/2017 that means it was mailed out before this date.

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 2017-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/2012 30 days past due as of XX/XX/2012, XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: CITIBANK, N.A.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I did not apply nor authorize these inquiries I would like them deleted immediately it 's making it hard to obtain credit and a accurate score with inaccurate info reported

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 2022-08-30
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 there were a series of charges from XXXX made to my Venmo account. I disputed them to both Venmo and XXXX XXXX. 

XXXX XXXX has been responsive. 
Venmo has not been responsive. 

Venmo has frozen my account and told me they would get back to me... ..they have not. 

I want to close my Venmo account, be reimbursed for the unauthorized charges and gety a check for the {$80.00} I have on deposit with Venmo. 

I have called many times to no avail. Sent texts and filled out forms nothing work with Venmo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: Credit Collection Partners, Inc.
State: TX
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:
Received notification from collection company PayCourt in regards to a debit that was owed back from XXXX of 1994. This is a XXXX year debt in which this is the 1st attempt the company or original creditor has ever contacted me. 

What's confusing to me, is this is far past the statue of limitations and if this is a debt of mines, why wasn't I ever contacted before. I'm not sure if this is a scam, in attempt to collect {$470.00} for fees. I'm requesting this company stop all attempts of collections and possible negative impact to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: JPMORGAN CHASE & CO.
State: ME
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
JP Morgan Chase admitted to making an error, in regards to the Assignment of mortgage. Also, in regards to communication tactics, JP Morgan Chase stated a message was left via voice mail. JP Morgan Chase claims this message was left on XXXX. I am NOT the legal owner of said number, which could possibly reflect my personal information, in regards to my account could have been disseminated to the incorrect party. My contact information, in regards to prior complaints, was the same then, as is now. In regards to notes on this account, I am in possession of a certified check receipt, issued to JP Morgan Chase, on behalf of the XXXX, on or about XX/XX/XXXX. Also, I am possession of payment receipts made, in regards to this account, from several financial institutions. I have also been able to obtain the exact copy of the VA Streamline application, which was sent to me from JP Morgan Chase, which hereby provides concrete proof of the second mortgage not being subordinated. I have also managed to obtain all copies of my credit reporting files, from XX/XX/XXXX, until XX/XX/XXXX. Inside the body of these credit reports, there are serious, as well as major irregularities, with the manner to which it is being reported. I have also obtained cell phone records from XXXX The time period is from XX/XX/XXXX, until XX/XX/XXXX. JP Morgan states there were several attempts to contact me, via telephone. I am in possession of a letter, sent by JP Morgan Chase, any and all attempts to contact me via telephone, would cease. Also, JP Morgan Chase states I attempted a loan modification under the Soldiers and Sailors Relief Act. Knowing that I left the military, in XX/XX/XXXX, I knew applying for this loan type would be of redundancy. I recently returned from cleaning out my storage area, and every document mailed to me, from JP Morgan Chase, and any party involved in the life of the loan, dating back to XX/XX/XXXX, were in boxes. Uploading of these files are considered cumbersome, as the total size of the files are over 26 gigabytes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I started receiving a bunch of inquiries on my account and some of them were literally back to back. There was even an inquiry about a mortage loan and im not interested in buying a house at this moment. Everyday i get alerts talking about my credit score. I do not have any knowledge of these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Report : XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Recovery Partners, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from Recovery Partners , LLC on XX/XX/2022, that I failed to provide valid insurance information or resolve the outstanding balance on a claim. They have the title as " Driver License Suspension Request and Claim Settlement Offer '' at {$26000.00} which is different from balance due. I was not involved in a car accident where they need valid insurance information, or they threaten they are sending the request to the DMV.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have XXXX inquires from XXXX. None of which were authorized. I have written letters and disputed these with my credit agencies with no luck.

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 2022-08-30
Company: Experian Information Solutions Inc.
State: TN
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/2022 Credit Bureaus reported they did a proper investigation to my XXXX  XXXX account. As you clearly see its missing the months of XXXX. 
If XXXX XXXXXXXX was reporting where are the documents. 
This is hurting my credit/FICO score.

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 2022-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I deposited a U.STreasury Check that was provided to me by the XXXX XXXX after I paid for Burial Expenses for my Father who Passed away due to XXXX XXXX. BofA put a Hold on the check due to reason that the check stated that the check could be returned because it had been written on the check. I have a copy of the check from XXXX and it does not indicate that in the front or back of the check. They put a 7 day hold without informing me at the counter. The teller told me it was a hold for XXXX. I called BofA and they said they would honor the check and give me access due to my Father XXXX XXXX. They they put it back on hold and I spoke to another mgr whos said their Employee made a mistake. I believe they should honor the check and not give me a cheap excuse. My Father and I are Veterans of the XXXX XXXX we have served our country faithfully and would do it again. Unfortunately for my Father he XXXX XXXX due to the XXXX XXXX and the effects of XXXX XXXX. I just want them to honor their original reason why they lifted the restriction and they understood the circumstances that I paid for my fathers burial costs. I have Been hung up on and called again and was neglected by the manager XXXX. Now he put me on Eternal hold probably hoping I will hang up because by him doing this to me. Can Veterans get some Sympathy and consideration for Helping to keep our country Safe? and help these citizens live with the Freedom we all Enjoy? Pleas help me on any way you can. It would be greatly appreciated by me and my Father.

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 2017-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America closed my checking account without providing notice or an explanation. This has caused me damages with regard to payments made out of that checking account prior to it being closed. 
Further, I have no access to the funds that were on deposit of approximately {$3200.00}. They state that they 've mailed out a cashier 's check on XXXX and it could 10-15 business days to get here. I needed that money to cover expenses. 
I feel that the issue sprang from a personal check I deposited via their image-deposit feature on their smart-phone app. That check was in the amount of {$250.00}. Their Risk and Fraud department called me the next business day ( XXXX ) to let me know that a deposit had triggered a " red flag ''. When I explained that I used the image-deposit feature, they accepted that as being the cause of the red-flag. 
I do not know what the official reason is for the closure, however I feel that I 'm incurring unnecessary hardships because of an arbitrary corporate decision that was most likely caused by Bank of America 's inability to process an image-deposit.

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/XXXX I was denied credit because of TransUnion for using my information without giving them written permission XXXX XXXX Dear TransUnion I'm the consumer and natural person, I was denied credit by XXXX when applied for a loan Adverse action against a consumer is AGAINST THE LAW according to the Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that was discriminated against by Upstart due to the response received.

TransUnion is in violation of 15 U.S. Code 1642.

U.S.C 1681m and 12 cfr 1002 because I, the consumer. made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of TransUnion

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 2017-08-29
Company: EQUIFAX, INC.
State: UT
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:
Equifax continues to report that collections from XXXX XXXX XXXX are mine. Those collections are at XXXX blaance and never got old enough to be collections, XXXX company has agreed and said that they sent requests to have them removed from my report. Equifax is clearly not verifying ANYTHING with this company because they continue to report these as past due. They have been removed from my report in the past and then added again, which I believe is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: MN
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:
Granite State Management and Resources shows me as 90 days late on a payments from 2015.  All  XXXX  credit reporting agencies show different months however I have never been late on a payment. In fact I have paid more than the amount due every month so a delinquent amount is not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: SYNCHRONY FINANCIAL
State: CA
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:
After a " random review of my credit standing '' my credit line was lowered and of course subsequently lowering my overall credit score. Synchrony used XXXX as  an excuse and said I had a : " LACK OF REAL ESTATE SECURED LOAN INFORMATION '' " AVERAGE TIME SINCE ACCOUNTS OPENED IS TOO RECENT '' " TOO FEW BANKCARDS WITH HIGH CREDIT LIMITS '' " AVERAGE TIME SINCE REVOLVING ACCOUNTS OPENED IS TOO REENT '' " NUMBER OF INQUIRIES WAS A FACTOR IN DETERMINING SCORE '' All of this after first granting me a credit line and then increasing said credit line and then mailing me a letter saying my credit line has been lowered ... out of no where this decision was made. I had not asked for additional credit, applied for an additional card nor missed a payment. THE LETTER SAID " WE RECEIVE UPDATED SCORES ON A PERIODIC BASIS. '' I called them to let them know " I'll pay it off, but I'll never use their services again, PERIOD AND FULL STOP.

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