BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-31
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Barclays credit card account, Barclays offers a lock card feature that disables any charges from being made to your credit card when enabled. I enabled this feature on one of my Barclays credit cards on XX/XX/2019. In May there was a fraudulent charge made against my Barclays credit card that was locked. Barclays never contacted me regarding this. On XX/XX/2019 Barclays reported my account delinquent to all 3 credit bureaus, causing my credit score to drop between 80-100 points ( depending on the bureau ). I got an email notification that my score dropped and started checking all of my accounts. I finally checked my Barclays locked credit card, thinking it couldnt be this card because it is locked. Well, it was that card. Immediately I called Barclays to find out  whats going on. The customer service representative I spoke to acknowledged their mistake. He couldnt determine how or why my card was charged while it was locked but admitted it was a security flaw on their end. He told me all fees would be reversed and I wasnt held liable for the fraudulent charge. He also issued a new card with new card number. A few days later I checked my account and the new credit card was now unlocked but the late fees remained. I locked the card, and then called Barclays again. After waiting on hold for over 30 minutes I spoke to another customer service representative who again apologized for the inconvenience, and reversed the late payment charges. I raised the concern that I would like these updates to be reflected on my credit report since their initial reporting was 100 % inaccurate and false and my credit score dropped significantly. She told me that if I have any account disputes that I needed to submit them to the credit bureaus. I feel this is wrong and I, the consumer, is the only one paying the price for Barclays mistake. Barclays clearly states in the lock card disclaimer that no charges can be made to this card without unlocking it or my approval, this includes fraudulent charges. Barclays clearly allowed a fraudulent charge against my credit card that was locked for 3 months prior. The fact that Barclays quickly reported my account delinquent/negative but would not take any steps in fixing their mistake is a problem for me. Ive worked very hard to improve my credit and credit score and I feel very wronged as a consumer when I didnt do anything to cause the negative impacts and Barclays takes no accountability to correct their mistake. I would like my credit score and my credit report to have these negative marks removed permanently, and I would like my credit score restored the what it was prior to the fraudulent negative remarks. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: U.S. BANCORP
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX  a payment was made from my checking account to a credit card that was not mine. My ex-husband and I have similar logins and somehow he was able to make that payment off my checking account. That issue has been resolved as he can no longer see my information on his login. 
I discovered the charge on XX/XX/XXXX ... a Sunday. I called US bank on Monday XX/XX/XXXX to figure out what happened. They apologized and said they would reverse the charge. I verified with my ex-husband that it was indeed his credit card payment that was made off my checking account. I have continually been in contact with US Bank and the local manager that keeps telling me the " back office '' is working on it. I spoke to him just this morning letting him know that it's now been a month since the payment came out of my account and since they still have not reversed the transaction I would be filing a complaint with CFPB. I have called them no less than 1 to 2 times per week and keep getting put off.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
All three letters were mailed certified to the national credit bureaus. reference numbers below : XXXX- XXXX XXXX - XXXX XXXX - Transunion please see the attached letters and please remove the inquiries based on those letters.

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 2023-05-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Closed my accounts

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 2023-07-17
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I used XXXX XXXX online bill pay service to pay my Delta Sky Miles Gold Card American Express bill. I scheduled the payment that was due on XX/XX/XXXX to be delivered by XX/XX/XXXX. When I received my American Express bill the following month, I noticed a late fee of {$29.00} and an interest charge of {$56.00}. I called American Express to inquire and was told that the payment was received late, thus the charges. I called XXXX XXXX to ask why the payment was sent late and they told me that I could open a case and they would look into it and opened a case on my behalf ( Case # XXXX ). 
After receiving notification from XXXX XXXX that they were not at fault because they sent the date on the day I requested XX/XX/XXXX, to be delivered by XX/XX/XXXX but American Express stated it wasn't received until after the due date. After several calls with both XXXX XXXX, American Express and one three-way call with XXXX XXXX on XX/XX/XXXX, American Express and myself, I was told that the bill was sent to the incorrect address and the correct address was XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX At that point, I thought the error was on my part but after getting off the call I checked my bill and saw the address is XXXX XXXX XXXX, City of Industry, CA XXXX which is the address I had entered on XXXX XXXX bill pay. I then called American Express to explain this and was told by a supervisor named XXXX that they will not be reversing the charge and there's nothing that could be done about the charge because they never reverse charges in the first year card membership. 
I was told several times when speaking with American Express that I could avoid this from happening in the future if I signed up for automatic payments which I am not interested in doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My Wells Fargo Credit card is inactive and I have been trying to pay it off and close the account for a couple of years now. Automatic payments were set up through Wells Fargo on three different occasions. These payments of {$200.00} a month were dropped at least twice. Back payments and late fees accumulated. XXXX XXXX XXXX has record of two years of payments initiated by Wells Fargo. Wells Fargo denies I ever made arrangements with them.

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 2019-08-31
Company: BB&T CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I spoke to Regional Acceptance company on or around the XXXX of XX/XX/2019 and explained I had lost my job in XXXX and was having financial trouble, The woman offered me a 2 month deferment, and said it would be for XXXX and XXXX, I told her i had already sent in a partial payment for XXXX she said that would be credited for XXXX, and the remainder would be added to the bill after the two months of XXXX and XXXX where i would receive a bill XXXX instead of the XXXX. I told her that would be fine. I received a notice from credit monitoring that I had a new derogatory remark on my credit of 30 days late. I call regional acceptance today and they said I had no deferment and that I missed my XXXX payment. I asked for a supervisor, a supervisor then told me they had mailed me a letter that I had to sign and they never got it back, and that I was never given a deferment, that i had only made a request for one. The person i talked to in XXXX, never said i was applying for a deferment, or that any paperwork needed to be fill out, she plainly stated she was giving me a 2 month deferment, When I complained to the supervisor, he then only offered a one month deferment if I sign some papers and send it back and that he would not remove the 30 days late on payment from my credit.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-08-04
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this Debt was a loan entered online in XX/XX/2019 from XXXX  by XXXX   XXXX. I agreed to payments of XXXX per month however the payments kept changing. I ended up in the hospital XX/XX/2019 and was late on this payment. When I went to make this payment they refused it and then set up new payment arrangements. I was to pay on or before the due date Which would be the XXXX because this is when I received my XXXX check.. The due date for XX/XX/XXXX was a Saturday and they closed early and did not accept the payment on line. I called on Monday morning XX/XX/XXXX they refused the payment said we are sending you to collections and this will be on your credit, I asked for a supervisor they stated there were none. I emailed request for a supervisor to call. I got no response I tried for weeks and got no where. I received an email on XX/XX/XXXX they had sold the account to a collection agency. who will not wok out payment arrangements but they are further damaging my credit by reporting every month i am late on payments. They will not correct this even after I have disputed it directly with all credit agencies.this collectors name is NCB management. I have also contacted the company asking for all documents relating to this account they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Receivables Performance Management ( RPM ) by phone regarding a XXXX debt on my credit report. The first mistake, the collector verified just my name, then begin to initiate collection efforts. I advise collector, shouldn't you ask more of my information to identify me and I asked her where is the mini maranda and are you collecting on a debt .She then began to verify authentic identification. Due to her unprofessional approach, I felt uncomfortable. So I asked to speak with an supervisor. She transferred me to another woman. When asked if she was a supervisor, she said she was not. At this point, I just wanted, what I am asking for. I advise the woman, I am unaware of this debt, and requested a validation letter along with an itemized statement sent U.S Mail. 

In addition, I've received a letter verifying the company. But have not received an itemized statement. In fact, it was a blank statement. ( Please review attachments ) .because of the unpleasant conversations, the failure to properly handle confidentiality of my personal information, and the unprofessional conduct. I am going nowhere 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 explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

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 2019-08-31
Company: EQUIFAX, INC.
State: DE
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 sent the credit bureaus four notarized dispute letters through certified mail on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 asking for the bureau to furnish the original documents used in their method of verification for ten accounts which still remain unverified. After 30 days, each time the bureau failed to provide any documentation, instead merely saying the accounts are verified, which would be impossible to do without taking the previously addressed steps. This is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ). Equifax, in particular, has also failed to correct my name on my credit report. XXXX continues to display variations of incorrect names of other people, and XXXX has submitted their responses late after 30 days on two occasions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Medical 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 underwent a botched dental procedure through a representative employed by XXXX XXXX XXXX in XXXX, Ohio. After examination by an Independent Dentist recommended by my Insurance company at this time, XXXX XXXX, and XXXX  investigation of the procedure and the bad faith practice of having me sign financial documents while I was in a traumatic state ; XXXX XXXX ordered XXXX XXXX to reimburse XXXX for the funds paid to them since, the procedure had to be completed again. 

The overage of the cost was financed through XXXX XXXX. These documents were presented to me for signature at the end of my eight hour, routine XXXX  restoration. It was unknown to me what I was signing and in the end, all funds had to be reimbursed. 

On XX/XX/XXXX ; I was served with a Subpoena. XXXX XXXX  was suing me for the funds in which the financial documents were signed without my knowledge. 

On XX/XX/XXXX, I filed an Answer to the Complaint, representing myself in the matter of : Case No. XXXX ; XXXX XXXX  vs. XXXX XXXX XXXX. In the XXXX XXXX XXXX. XXXX, Ohio. 

I filed a Statement of Issues with the XXXX on XX/XX/XXXX. A Pretrial Hearing was scheduled for XX/XX/XXXX. 

On XX/XX/XXXX ; evidence was reviewed and the case was dismissed. 

XXXX XXXX  then sold this debt, which was dismissed by the XXXX by Magistrates signature entered on XX/XX/XXXX ( attached ) ; to what appears to be several debt collecting companies. Yet, LVNV Funding LLCs name is what keep appearing on my credit report. I receive mailings from them. I used to get hard-collection calls from them. I have filed several disputes with all credit reporting agencies only to have my disputes declined because LVNV is showing proof that the debt is owed. Im sure these Agencies are not aware that this case was dismissed in XX/XX/XXXX. 

LVNV has fraudulently made claims on this debt. They continue to ruin my credit and have been since the fraudulent purchase thereof. My husband and I had to refinance our mortgage because I have not worked in two years. Due to this and LVNV, I could not have my name on our new Mortgage thus, I am now vulnerable. 

LVNV Funding has and continue to hurt my credit. They are giving misleading statement and untruths because, this matter was Dismissed therefore, the Debt is not Owed. 

Im attaching the Court records and, XXXX  XXXX  Exhibit which is a statement that shows two Adjustments which, was the credits back to XXXX XXXX. On my current credit report LVNV us showing them as payments made. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX  XXXX Balance : {$0.00}; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2021-05-12
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a formal complaint against Southwest Credit Systems located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX  and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Southwest Credit Systems has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 a victim of fraud with XXXX XXXX. I sent Transunion a ftc identity theft report, along with everything they requested to get this erased from my report. They first erased the account, and then put it on again!!

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief