BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-16
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
So on XX/XX/19 ... without any notice or warning or just simple courtesy, my credit card company decreased the credit limits on my 2 cards. One went from XXXX to XXXX and the other went from XXXX to XXXX. 
I have never missed a payment in 3 years. In fact, I just made a XXXX dollar payment the previous month. I have fought to get my credit back up, and now they are saying I owe too much money with other cards, even though my credit utilization is at 31 % ... the best it's been in awhile because I'm working on it. It was over 40 % ... Now my credit utilization is going to increase significantly with the limit decreases. In fact, I have never missed a payment on any credit card or loan, I pay my rent on time every month ... and now I'm not credit worthy? 
I tried to call and talk to them and they said there is nothing they will do for me short of me paying off most of my outstanding debts to other companies..which I have been working on ... which is why my utilization has been decreasing. 
I have been paying on time and consistently to every merchant. This is going to cripple me and bring my credit score back to where I started. I have never heard of a credit card decreasing your limit without a single missed payment.

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 2023-03-01
Company: EQUIFAX, INC.
State: IN
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. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX has violated my rights XXXX BANK XXXX has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights In additions listed on my credit report are inquiries that I didn't authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: GA
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 very upset with this issue. I sent a letter to the credit bureau regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, my name is XXXX XXXX. I had two unusual transactions from XXXX after I had deposited a check for {$1000.00}. Both transactions seem to be headed in the same direction, a number I have no clue where it's from and the name either. These transactions were made on the XXXX and XXXX of XXXX. Putting my family and me in a very stressful part, I had to pull strings to get out of this situation.

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 2021-11-10
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I requested hardship assistance because since graduation from University in XXXX it has been rough without the XXXX in student loans I received annually. I called on XX/XX/XXXX and was told there was a plan available but I had to miss my payment again and we decided I'd call back XX/XX/XXXX.. When I called today that hardship arrangement meant closing my account AFTER I pay in full. The " help '' means a dramatic hit to my XXXX score, as any help they offer means closing the account after they are paid in full. They set me up to fail on the XXXX call, and when I held up my end of the bargain today and called them, they informed me it meant closure of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Experian Information Solutions Inc.
State: GA
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:
1. I contacted Experian in XXXX of 2017 about items on my credit report. 
2. According to federal law, credit reporting agencies ( Experian ) must verify with the original documents that debts belong to me. 
3. I asked Experian via four different letters to verify my accounts with original documentation. They have not provided original documentation to verify accounts. 
4. Experian has not followed federal law and has not removed negative items from my credit report.

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 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have contacted Transunion special handling department explaining that someone has taken control of my identity. I have recently reviewed my credit report and someone has been attempting to get accounts in my name without me knowing. I have attached the identity theft including the things that are 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 2021-07-18
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: Their investigation did not fix an error on your report

Complaint:
My public records were approved to be blocked by XXXX XXXX. I have forwarded the confirmation to XXXX and Traunsion to process and remove the accounts, but they are stating they investigated and came back as accurate, but this is not true, they never reached out to XXXX XXXX to confirm,. I have mailed the confirmation to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by uploading the info to XXXX  and Trausnion.

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 2018-01-26
Company: Bread Financial Holdings, Inc.
State: NE
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 originally filed a complaint in XX/XX/XXXX with the bank that I was told was responsible for paypalcredit.com credit purchases. In XX/XX/XXXX, that bank finally told me that it was not them and I was referred to XXXX XXXX XXXX XXXX XXXX, MD. My complaint regarded the charges by XXXX XXXX XXXX ( XXXX ) of XXXX, CO who did not deliver services as promised in my job search. All XXXX did was prepare a mediocre resume ( as advised by 2 HR departments and 2 other placement agencies ) and tell me to contact my former coworkers. I filled a complaint with XXXX XXXX XXXX dba paypalcredit.com on XX/XX/XXXX and have yet to have a response from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-25
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient was suppose to take {$51.00} out of my account every month on the XXXX. They are doing this since XX/XX/2018 but on XX/XX/XXXX they took the money then emailed me saying they have not been paid when I have proof it came put of my account. Then on XX/XX/2018 they took {$85.00} without telling me why or what ot was for and again on XX/XX/2018 they took another {$240.00} out of my account without any information.On XX/XX/XXXX they took the normal {$51.00} payment. On XX/XX/2018 they again took {$240.00} out with no information. This left me with only {$14.00} on XXXX XXXX to support my 3 person family on for the week..this was almost my entire pay check that they took from me for XXXX. On the website on my payment history there is no sign that anything of the higher payments they took out happened. They had originally told me I could make small payments monthly but they stopped taking it out my account and stopped everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in 2019, XXXX allowed someone to establish an account for their services using my SS # despite the fact that my credit was locked with all three credit bureaus. I received a notice from a debt collector and after many frustrating months of poor communication and service from XXXX, we believed we had the issue resolved. Now, today I received a notice from a new debt collector about this exact same situation. XXXX, so far, has been completely unresponsive. I am beyond frustrated. Ironically, I have an account with them and have for the past XXXX years. They are totally incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX recorded a subordination agreement in XX/XX/XXXX referring to a mortgage dated XX/XX/XXXX. There was no mortgage and this agreement needs to be released.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Specialized Loan Servicing Holdings LLC
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: Account information incorrect

Complaint:
In XX/XX/XXXX, My home equity line of credit was sold by XXXX XXXX XXXX, to Specialized Loan ServicingXXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX, XXXX ) My account was issued the number XXXX, and later changed to XXXX, under the name of XXXX XXXX XXXX. I kept the loan with them until XX/XX/XXXX, when I refinanced through a different company, and the loan was paid off. during the time I was with them, I regularly made my payments each month< and was never late. I even overpaid. The only delay in payment, was in XX/XX/XXXX, due to them, updating their system, and changing my account number. They would not let me make one for a couple of weeks. As soon as the process was finished, I resumed payments. I recently received notice through one of my creditors, that they were raising my rate, due to a delinquency on my credit report through XXXX. Upon investigation, appears that Specialized Loan Service listed many months of delinquent payments to my account. I have documentation from XXXX XXXX showing where each payment was made and received each month, with no delinquency. They even stated to XXXX on a recorded phone call, during the refinance, that all my bills were paid on time. This has severely damaged my credit, and increased costs due to interest rate increases. Copies of monthly payments are attached.

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 2020-12-22
Company: CITIBANK, N.A.
State: VA
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: Problem with personal statement of dispute

Complaint:
I have been EXTREMELY frustrated with MACY 'S credit card services. I have paid on time in the past without any issues. But this time my bank account information has changed along with my address, email address and phone number. I had not used MACY 'S credit card for several years now. But when I tried to pay my credit card I was on an HOUR hold with a phone agent and once she got on the phone she said " hello '' and abruptly hung up on my as I was saying hello. I called again but this time asked for a manager only to be abruptly hung up on by the manager after waiting for another hour and a half. I am furious at this point. All I wanted to do was update my accounts and pay off my card and I am waiting on these long hold times and dealing with agents who simply want to hang up on customers simply trying to pay off their card. Since I couldn't log into my account I tried to find another method of updating my online account. Unfortunately the only method to do that is to call and update my account with a phone agent. Well you see how that is going. Needless to say I did try to pay off my card in the stores or so I thought. I wanted to continue using the credit card in the future and I wanted to update my address information at the store so that I can get the bills and pay off my card online. Unfortunately the lady said they couldn't update my address information. So I had thought I paid off my card and had planned on calling in later to update my address information. I guess I was wrong in assuming that. Since I could not get an agent on the phone easily to update my address information I was not getting any alerts to pay my credit card off so I was under the assumption that I had paid my card off at the store. The only way I found out that it wasn't paid off was when I started getting credit alerts about the delinquency reporting by MACY 'S. I reported these incidents to MACY 'S executives and after their investigations they said it was my fault for NOT updating my contact information. That's the problem I have been having this whole time. I couldn't because they ONLY way to do that is to deal with their phone representatives who are difficult to get and keep on the phone. So how exactly am I supposed to update my contact information if they won't give me the method to easily do that?

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 2021-04-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Through the process of trying to locate an apartment, it has come to my attention that the individual I was interacting with was fraudulently impersonating a tenant of said apartment. Through his impersonation, he informed me that I must send a total of {$2200.00} through XXXX to the building 's property management upon the approval of my rental application. In attachment to the lease agreement he had sent me, he informed me that I must send {$1100.00} as the security deposit ( on XX/XX/21 ) to secure the apartment in my name. He then required an additional {$1100.00} for first month 's rent ( on XX/XX/21 ) as this was what our lease agreement stated. On Saturday evening, XX/XX/21 : upon arriving in the building 's neighborhood for an appointment confirmation, and receiving no responses from this individual, I began to suspect that this was a fraudulent interaction. I called my bank, JP Morgan Chase Bank, and filed a claim with a specialist immediately upon returning home that evening. These transactions ( {$1100.00} sent on XX/XX/21 and {$1100.00} sent on XX/XX/21 ) have now been confirmed by the building 's leasing office to be fraudulent, after speaking with the leasing office directly on XX/XX/21. I now have officially discovered that these transactions were sent to individuals unrelated to the building 's leasing office and property managers. I have been instructed to file a police report for identity theft, phone scams, and theft related to a personal bank account. I have also officially filed a report with the Federal Trade Commission. I have reached out to the claims department at Chase to provide them with my FTC report, as I was originally instructed ( on XX/XX/21 ) that any government report would further help my claim, but on XX/XX/21, Chase has informed me that there would be no recovery of these funds ( regardless of providing any/all government reports of theft and fraud ). I have spoken to both a specialist as well as a supervisor, and both have been extremely unhelpful in assisting my claim further. The information they provided to me also does not align with the information that was provided to me on XX/XX/21, in the claims department, regarding government reports and their relevance to my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Nelson Cruz & Associates LLC
State: MD
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:
I received an email on XX/XX/21 and was not given the full 30 days to validate debt prior to credit reporting. I have since emailed twice with no response. 

Thi is a clear attempt to damage my credit reputation

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Citizens is deducting taxes from my monthly payment and I am tax exempt as I am 100 % XXXX from XXXX. I have reached out to citizens more than 10 times since last XXXX faxed numerous documents from the tax accessor XXXX cty. No response from citizens. They should not be holding my money in escrow and reset my monthly payment. I can never get a straight answer when I call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 ACCOUNTS LISTED DOES NOT BELONG TO ME. I DO NOT KNOW WHY OR HOW THESE ACCOUNTS ARE BEING REPORTED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THE ACCOUNTS. I AM ASKING THAT YOU PLEASE INVESTIGATE THE ACCOUNTS SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2021-11-10
Company: Google Compare Credit Cards 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:
My debit and credit cards that are attached to Google Play has been used to make unauthorized charges within several apps. I do not know who utilized my cards but the transactions were NOT authorized by me. I have tried contacting Google in regards to these unauthorized charges that date from XX/XX/XXXX all the way to XX/XX/XXXX. They have denied my claim on multiple occasions. These charges stem from people that reside all the way in XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a number of accounts I have disputed on my XXXX credit report and they come back with the results telling me they have been deleted from my report but when I search the report again a few week later or a month later and guess what? I have a new collection account - that same account I just had removed! 

Is this at all legal? Why do we take the time to document, create a dispute to have an entry investigated, then removed to only have it put back on the next time around. 

It will beat someone down after the XXXX or XXXX time!

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