BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-24
Company: BARCLAYS BANK DELAWARE
State: HI
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 was made aware in XXXX  of 2020 that my credit score of XXXX had suddenly dropped between XXXX and XXXX to XXXX. Checking my outstanding balances on the three credit cards I carry showed that I owed negligible amounts on my Visa and XXXX XXXX cards as I pay my balances monthly and that the balance on my XXXX XXXX MasterCard ( Barclays ) card was XXXX as I hadn't used it in months. Checking with the XXXX webpage revealed that I had no outstanding bills or collections levied against me. However, I recently received a letter from Barclays informing me that my MasterCard was terminated due to 90 days of delinquency. Upon checking my Barclays app I was able to confirm that not only was my balance at the time of termination {$0.00}, but that the card had not been used for over 8 months. The date which they issued a 30 day delinquency directly correlated with the dates in which my credit score began to decline. I received no written letter, email, or phone message to inform me of this. Since I had not been using the card and knew that the account had been paid in full I did not have reason to suspect that they were the source of my credit decimation. Upon contacting Barclays this morning ( XX/XX/XXXX ) I was informed that it was not there problem to fix. My score is now XXXX. I was also advised to write letters to the 3 major credit monitoring companies, advisement which directly contradicts the Federal guidance provided by this website. They not only deny any responsibility, which I have full documentation of, but are advising me to pursue a line of dispute that seems to be of even further detriment to my score. Never once was I advised to seek Federal credit advice to rectify the matter. Not only are they grossly negligent in this matter but seem to be actively directing me away from a course of action that would help me resolve it and restore the credit that it has taken me years of responsible financial planning and payment to achieve. I believe, especially due to the documentation I have and the sheer negative effect this has had on my credit, that this qualifies as matter worth pursuing in civil court if they are insistent on refusing to rectify the problem that they are clearly responsible for creating. The Barclays associate with who I spoke is named XXXX, employee number XXXX. Again, I was told my only recourse is to send a written letter via conventional mail to Credit Bureau Dispute FCRA XXXX. XXXX XXXX XXXX, Delaware XXXX and physical letters to all 3 credit agencies and that they will take no steps to restore my credit otherwise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I graduated from trade school in the recession with a trade as a XXXX for the XXXX XXXX. As you know when the recession happened auto dealers were going out of business left and right. I spent the better part of five pluse years between jobs and unemployment. This put me behind on my student loans. Now I read about XXXX  and there dealings with you and all types of other articles about there ways of handling there borrowers. This concerns me as I have received several different phone calls from several different collections agencies and I dont rightfully know whom to trust in regards to setting up payments based upon what i have read. I need your guidance as to what my options are based upon your knowledge of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: JH Portfolio Debt Equities, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/19 i settled a debt with JH Portfolio Debt Equities for {$630.00} and on XX/XX/19 i settled a debt for {$1200.00} with the same company JH Portfolio Debt Equities. I received a letter stating that both accounts had a {$0.00} balance and that it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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:
I applied for an apartment with a realtor and underwent a tenant screening and I was denied because of my consumer report I reached out to Chexsystems and XXXX  but I have not received a report explaining the reasons or a full report was not provided to me. I am a victim of identity theft and I am requesting a copy of my consumer report so that I can be able to dispute any fraudulent debt or accounts on my record.

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 2018-08-24
Company: EQUIFAX, 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:
I have repeatedly submitted disputes on items on my credit report beginning back as far as XX/XX/2018 to XXXX, Equifax, XXXX  credit bureaus. Nothing has been removed as they only send back verified and nothing saying how they verified the accounts. I also have submitted police reports of fraudlent activities on the following accounts : XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX and others. I have not lived at the address associated with these accounts and I have documentation to prove this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted 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 2021-10-31
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my free annual credit report from Equifax, and they provided me a blank file. When I tried to request another copy, Equifax stated that I had already received my annual free credit report. I contacted Equifax about this concern through and have heard nothing back. It has been over 72 business hours since I made my initial request. Equifax is unlawful withholding my personal financial information and refuses to acknowledge their wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CITIBANK, N.A.
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:
On XX/XX/XXXX, I paid {$20000.00} to Costco Anywhere Visa Business Card by Citi-XXXX.

I had a credit limit of {$21000.00} On XX/XX/XXXX, I received a notice they lowered my credit limit to {$1500.00} This is wrong. The below is what they wrote in their letter to me. 
I sent them a letter stating that they are using fradulent data to degrade by credit limit. Recently on XX/XX/XXXX I filed a police report with XXXX XXXX Police Department Incident number XXXX regarding fraud on my credit report. I have submitted this to all the bureaus.

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 2018-08-24
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 have had an account with XXXX ' XXXX  for over a year. I have always paid my monthly account on time. XX/XX/2018, I paid my monthly account of {$120.00} as I always do. I began getting daily, harassing calls from them -constantly, saying that I owe more $ on my account. That by XX/XX/2018, I would have to pay {$200.00}! I asked why and they could not explain to me. I called them several times and asked to send me copies of the last few months of my payments so that I could see what was going on. I felt very suspicious of some " hidden fees '' they were charging me, because it didn't make sense. This account I have with them is 0 interest for 5 years. So as I looked over the statements, there is a column where there are " fees '' charged to the account, for what? I still do not know? I want to know why for 13 months I had been paying {$120.00} on my account, and why it jumped to {$160.00}. for XXXX and to {$200.00} for XX/XX/2018? What are these " fees '' and why wasn't I told about them, instead of being harassed with threatening phone calls?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 SPEAKING WITH A LADY ON THE PHONE REGARDING THE DEFERMENTS XXXX XXXX WAS GIVING DUE TO COVID TO PUSH BACK PAYMENT. I WAS SENT A BILL I WASN'T AWARE OF ABOUT THE DEFERMENT SO I CALLED AND ON THE PHONE SHE INFORMED ME THAT IT WAS AUTOMATICALLY GENERATED FOR ALL CUSTOMERS BUT DON'T WORRY ABOUT THE BILL.I SAID OK PERFECT AND WHILE I'M ON THE PHONE CAN I PUT ANOTHER DEFERMENT IN FOR THE FOLLOWING MONTH? THE WOMAN ON THE PHONE SAID YES I CAN DO THAT FOR YOU. I SAID GREAT THANK YOU SO MUCH. I DIDN'T WORRY ABOUT THE NEXT MONTH AND THOUGHT MY ACCOUNT WAS IN DEFERMENT AS THE LADY TOLD ME. COME THE FOLLOWING MONTH I GET A PHONE CALL TOWARD THE END OF THE MONTH MAYBE 15 20 DAYS OR SO INTO THE MONTH SAYING MY CAR PAYMENT IS LATE. I WAS IN SHOCK. I HAVE NEVER BEEN LATE ON A PAYMENT IN MY LIFE. I TOLD HER THIS ENTIRE STORY AND SHE COULD SEE THAT I DID CALL IN AND SPEAK TO SOMEONE SO SHE WAIVED MY LATE PAYMENT FEE WHICH I HAVE PROOF OF ON THE SITE AND SAID CAN I PAY NOW. I SAID ABSOLUTELY OF COURSE I WILL PAY IT RIGHT NOW AND ALSO ASKED HER TO TRY AND MAKE SURE THIS IS NOT ON MY CREDIT BECAUSE I WASN'T LATE I NEVER KNEW I HAD TO MAKE A 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 2018-07-01
Company: Receivables Management Partners, LLC
State: MI
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:
opened XX/XX/2014, {$860.00}, was paid by XXXX XXXX XXXX at hospital

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: CITIBANK, N.A.
State: GA
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:
On or after XX/XX/2018, I contacted Citibank with a complaint regarding non-accessibility to online banking. The representative gave me a number for technical support and informed me to contact them directly. I asked her if she could enroll me in automatic payment deductions from my checking account in the amount of {$170.00} per month and the balance fall under that amount, to take whatever the balance was at that time. She took my bank account information and stated that it was set up to come out on the XXXX of every month. 

On or after XX/XX/2018, I was contacted by a collector from Citibank that was seeking a payment on my account because it was late. I informed her that I was signed up for automatic billing and that I shouldnt be late. She stated that my account was never set up and that no payment had been received. She agreed to waive the late charges and she took a payment. I asked her, if she could re-enroll me for future payments and she took the same information as the previous representative and stated that it was setup properly. 

On or after XX/XX/2018, I tried to go online and setup my online banking to no avail. I called Citibank and I was told that it wasnt restricted and that a payment was due. The rep went on to state that my account was not enrolled in automatic billing. He went on to state that he did not see it in the system that I was ever enrolled. So every month my account is being labeled as late which automatically has disqualified me for line increases. Its absolutely egregious and without merit. I am currently requesting that all late charges be abated and for the internal reporting of my account be reset to a Never Late status, so that I can qualify for a line increase. Additionally, my account is being reported as over the limit and this has caused my credit score to drop 79 points.

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 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The company has failed to verify the information on the credit bureau. 
XXXX XXXX XXXX XXXX The Bankruptcy Court has no jurisdiction over credit consumer reporting agencies and the court does not notify reporting agencies  when a bankruptcy case is filed, nor can the court request that a specific record be changed. Information on your credit report has generally been reported by your creditors and is gathered from public sources by the reporting agencies. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2018-08-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In the months of XXXX and XXXX of 2018 I have spent several days corresponding with XXXX XXXX about the fraudulent accounts which appear on my credit file. They have not removed them. Although these accounts are fraudulent and I did not aurthorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Navy Federal has not posted my deposits. Their lines are down and social media states the problem is fixed. Meanwhile I am missing XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
Barclays is not applying their cardmember agreement to a purchase I made with my card. They refer to the cardmember agreement ( outlined below ) and I offer my rebuttal to their response. 
Cash Equivalents are defined as : the use of your card or account to obtain money orders ( XXXX is not a money order ), travelers checks ( XXXX is not a traveler 's check ), foreign currency ( XXXX is not foreign currency ), lottery tickets ( XXXX is not a lottery ticket ), gambling chips ( XXXX is not a gambling chip ), wire transfers ( XXXX is not a wire transfer ), person to person money transfers ( including, but not limited to transfers facilitated over the internet ) ( XXXX is not a money transfer ), or the use of your Account to open a deposit account ( XXXX is not a deposit account ) or to transfer value to a stored value card ( XXXX is not a stored value card ) at a location or through a merchant other than a financial institution and any other transaction that Mastercard ( I have requested what Mastercard considers a cash equivalent, and have received nothing ) may designate as a Cash Equivalent.

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 2020-08-20
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving bills from XXXX XXXX XXXX for a person with last name XXXX ; however, I never had any service through the company. I reached out to XXXX XXXX XXXX to let them know that this does not belong to me, and they were not able to produce any proof that they belonged to me. The company noted to disregard the notices. 

Today, XXXX/XXXX/2020 I received a letter from IC System - Collection Notice regarding a balance due of {$520.00} ( reference number : XXXX ; account number XXXX ; creditor XXXX XXXX XXXX. The name, again only shows " XXXX '' without a first name. However, the address is my address. 

I believe that the company is mailing out mass letters to every address related to any persons with the last name 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 2022-11-01
Company: Experian Information Solutions Inc.
State: MD
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 they violated my rights. 
Please delete the following items : XXXX  XXXX Account Number : XXXX 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
Consumer complaint received 2018-08-25
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not valid its meets FCRA requirements - I was never notified about this debt - I am not liable for this debt

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 2018-08-25
Company: The Outsource Group, Inc
State: TN
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 have now tried THREE TIMES via direct dispute with XXXX, XXXX, and oh boy, XXXX! to have the account status of a PAID COLLECTION FROM XXXX XXXX updated CORRECTLY. For SOME REASON, when I paid it off, it was updated as " debt included in or discharged through bankruptcy chapter XXXX '' " debt included in personal recievorship. '' I HAVE NEVER EVEN FILED FOR BANKRUPTCY LET ALONE COMPLETED ONE! I've called the creditor to have this removed, they swear they never reported it! I've disputed it THREE TIMES with the credit bureau who EVERY TIME swears, the creditor confirmed the information is correct! NOW I DON'T KNOW OR EVEN CARE WHERE THE DISCONNECT IS, I WANT IT FIXED! PAID COLLECTION! HOW HARD IS IT TO CHANGE THE STATUS TO " PAID COLLECTION?! '' IF YOU CAN'T DO THAT, REMOVE IT FROM MY CREDIT REPORT ALL TOGETHER! 

XXXX XXXX is the creditor and they are the ones falsely reporting this information! I've called to have this updated and they SWORE OVER AND OVER THEY NEVER REPORTED IT AS PERSONAL RECEIVERSHIP INCLUDED IN BANKRUPTCY BUT WHERE ELSE COULD IT HAVE COME FROM?! They get notified everytime I submit the dispute and I included comments specific to the account status being incorrect! WHY CAN'T THEY JUST REPORT IT AS A PAID COLLECTION?! IF IT'S THIS MUCH TROUBLE, JUST DELETE IT FROM MY REPORT! I have NEVER had SO many problems with something SO XXXX simple!

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