BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I am filing a case with the Consumer Financial Protection Bureau ( CFPB ) to report the issues I have been experiencing with Barclays regarding identity theft and fraudulent activities. Here is a summary of what happened : On XX/XX/ 2023, I received an e-receipt stating that my Banana Republic Barclays credit card was used for a transaction of {$710.00} in the state of Florida. However, I have never been to that state, and I can provide phone records to prove that I was at work in my own state at the time. Immediately after discovering this fraudulent activity, I contacted Barclays to report the identity theft. 

The following day, I received a credit alert notifying me that a Barclays XXXX XXXX credit card had been opened in my name. I promptly contacted Barclays again, filed a case with the Federal Trade Commission ( FTC ), locked my credit file, and disputed all the charges. I was informed that the cases were under investigation. However, Barclays has failed to conduct a thorough investigation and has been unhelpful in resolving the issue. Their customer service representatives have been uncooperative and have provided vague responses. 

Whenever I report fraudulent activity, Barclays automatically issues new cards. However, even before I receive these new cards, I receive alerts that the cards have been used again. I have spent countless hours on the phone with Barclays, but they have not reached a resolution. To make matters worse, on XX/XX/XXXX, Barclays allowed a card that I had reported as fraud and was under investigation to be used, resulting in a loss of {$510.00}. These illegal activities seem to be specific to Barclays, leading me to suspect that an employee may be involved. 

Barclays informed me that the only mechanism they have in place is for me to report fraud when it occurs. Despite my requests, they refuse to refrain from issuing new cards under my name. I feel helpless as there seems to be no end in sight. Every morning, my first task is to check if any illegal activities have occurred in my Barclays accounts. I have provided Barclays with all the necessary documentation, including a police report, FTC report, and phone history to prove the origin of my calls and the steps I have taken to protect my credit since XX/XX/ 2023. However, Barclays has taken no responsibility for the situation and continues to claim that they can only act retroactively if someone opens an account in my name. 

Furthermore, the person responsible for this fraud also requested a credit increase on a card that I never requested. The situation seems to be never-ending, as another card was used in my name just yesterday, once again from Barclays. I am in desperate need of assistance to resolve this matter.

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 2023-09-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am filing this complaint on my own behalf to urgently bring attention to the fraudulent and erroneous personal information linked to my identity. I noticed certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: Professional Medical Management, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For multiple reasons I have concerns with this account the first is that I never received any documentation that this account was being placed for collections. 

My other concern the debt that was on my account is a result of a workplace injury. I initially disputed as soon as it was placed on my XXXX account and it was removed immediately. At the time I did not know that I was unaware that I needed to dispute with every creditor. I recently disputed with XXXX  and the company simply send back that the account is accurate and undated the months reported to have 11 months per year state No Data. I then reached out to XXXX  again and the result was the same. I called XXXX and the representative told me that " she doesn't know what XXXX  or XXXX does but XXXX  doesn't do any investigations. '' I was only able to dispute the account again. 

To date the account has not been removed from my account it is totaled at XXXX dollars and is held through XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft in XX/XX/XXXX/XX/XX/XXXX for the sum that XXXX XXXX has been trying to collect {$560.00} for with their attempts. This account was initially with a previous collection agency and I disputed it as fraudulent account and it was sent back and it was then placed with XXXX XXXX. XXXX XXXX  has been trying to collect this sum when that balance does not belong to me. That account was opened and used at an address that I have never resided with a phone number I have never had. I have never lived in Georgia, I have never been to Georgia. This address is still even listed as a previous address on my credit reports that I am actively trying to remove. It is a fraudulent address and account that was made with XXXX. I had provided a XXXX representative with my case number to rectify the case of the fraudulent account but my info was still forwarded with a balance to collections which XXXX XXXX currently has. I am attaching the initial police report for this fraudulent XXXXXXXX account and would like for XXXX XXXX to cease and desist with the letters for payment on an identity theft account and case. 

( XXXX ) XXXX XXXX XXXX XXXX XXXX , GA 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 2023-10-13
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Ed Financial increased the limit of my loan without my permission. I only found out from an XXXX credit alert. 
I wrote an email demanding they revert it back to the original amount. They have not done so, its been 6 weeks since I emailed my request.

Additionally, I made my new payment before my due date and they charged me {$29.00} of late interest! 
I demanded they refund it but they have not done so. 
It is impossible to get them on the phone and they do not answer emails. Basically, they are scamming us even as we TRY to make our payments. THIS IS WRONG. Additionally, they offer no help or guidance for Parent Plus loans under Biden SAVE etc programs to reduce payments. Ed Financial is scamming us.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-04
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
One XX/XX/2021 I initiated a transfer from my Chime Spending Account in the amount of {$200.00} into my external account. XX/XX/2021, I received an email update on transfer stated the transfer was unpaid indicating there maybe unauthorized activity on my linked account resulting in a temporary suspension until i could verify ownership of account. I sent copies of my Gov I.D, also copy of bank statements from external bank. and proof off address. After not being able through several attempts to get this resolve i asked to have my account deleted and account balance refunded, only to be told those funds from my account will not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX - The XXXX Account listed as in good standing still has an error. 
The payment inXX/XX/XXXX was never late, their system had a glitch in which they did not accept my XXXX XXXX payment ; and, instead told me that the payment was processed and accepted for well over a couple of weeks. This was not my fault. 

And I have mailed them similar complaints nearly monthly since last XXXX. 

XXXX - XXXX is an account on my file that had discrepancies just after it was opened in XX/XX/XXXX. 
This account was never even 30 days late, much less the 90 that is necessary to make it an adverse account. 
This account needs to be moved to good standing, because it always has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: ID Analytics, Inc.
State: NY
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: Other problem getting your report or credit score

Complaint:
I contacted SageStream LLC to put a security freeze on my information. I submitted the required information and copies of my identification documentation on XX/XX/19. Their website says they will respond via U.S. Mail. To date, there has been no response. I telephoned them and even though I was calling during their business hours I am unable to get hold of a person ; their answering device says to call during business hours ( which I did ). I have no idea how to get hold of a human to freeze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-10-13
Company: EdFinancial Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had set up my bank account for auto-pay with their system. When it came to the day of payment, they had cancelled my auto-pay, not sure why. I had no notification of this what so ever. I fortunately went to my account and manually paid the amount due that day, being XXXX. 

Come to find out, they reversed my payment, never notified me. I woke up to an email Friday ( Monday is when I made the payment ) to an email about my current balance, and it showed a much larger amount. I went on to check why and they had reversed the payment, no explanation given and again I was never contacted. Other borrowers that I have read about with this issue have stated that it's been ongoing and XXXX has reversed tons of payments, especially those who are trying to pay in full. I'm just trying to make my monthly payment and they clearly are not capable of handling their systems and are refusing to acknowledge wrong doing. 

Tons of borrowers are dealing with this issue directly from this provider. They are refusing to pay or reverse interest due to late payment because of this issue. I tried submitting another payment this morning. It still has not been posted to my account.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-20
Company: SYNCHRONY FINANCIAL
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,, XXXX XXXX, I am disputing the 1099-c " Cancellation of Debt '' issued by Synchrony Bank . If I owe money to Synchrony Bank then please provide documentation that support the issuance of a 1099-C. 

I recently checked my credit report and I do not see any flags or negative information submitted by Synchrony Bank that supports the issuance of a " Cancellation of Debt '' in the amount of {$910.00}, neither I remember I had received notifications by mail or collection calls from Synchrony Bank in reference of pending balances owed by me. Thuis is not listed on my credit monitopring service, no previous contact about it. SUE FOR UNBFAIR BUSINESS PRACTICES,. 

I am refering, then you leave me not choice as to refer my complaint with the following agencies : Maryland Financial Regulation Office Consumer Financial Protection Bureau U.S. Department of Treasury Federal Reserve Consumer Federal Trade Commission

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 2023-10-13
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted my first monthly federal student loan payment to EdFinancial on XX/XX/2023 - a payment of {$430.00}. This was before the due date of XX/XX/2023. Without any notification, my payment was reversed on XX/XX/2023. I was not aware, nor was I made aware. All of my banking information was also correct. Now, my payment is " late '', despite my timely loan payment, and I am being charged a late fee.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am currently reviewing my Equifax Credit Report and there is a fraudulent account report on my credit report that is not mine. This is my first time checking my credit report in years. 
Below is the fraudulent account that I would like to have permanently deleted : 1. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX @ approx XXXX I stopped at a drive up atm ( XXXX ) that was provided by USAA XXXX I did everything requested to withdraw {$300.00} the money slot never opened and the screen stated you did not take money in allotted time, but then printed a receipt like I received my funds. I sat there and called usaa and they directed me to call my bank which is XXXX XXXX XXXX XXXX I filed a dispute with them and the lady stated of this happens sometimes, they gave me a prospective credit on the XX/XX/XXXX I received a letter from by bank and it stated usaa showed that I benefited from the transaction when I never received anything so on XX/XX/XXXX they took {$300.00} back out of my account. There is a big camera above the atm and they refuse to check I've done 2 disputed with my bank with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: FL
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:
Today XX/XX/XXXX i checked my credit report and i saw two accounts thats on it without my permissible use. I never did business with these 2 companies on my credit report. I reached out to the vcredit bureau and they explained to me that i need a ftc report since i did not recognized these accounts. Also, i have a address on my credit report that i have never lived at. It is listed on the ftc report. I am asking that these account be removed from my equifax and XXXX  credit report because i did not authorized or did business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Synovus Bank
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a purchase from XXXX that the company still is not correcting and every time I try to talk to them they give me almost robotic automatic answers I want this charge reversed. The company the charge was with has already talk to me on the phone and agreed once this financial institution reaches out to them they will reverse the charge and agree to the dispute but my financial institution is not working with them and hasnt even contacted them this has been going on since XXXX. I have the XXXX XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent out a validation letter on XX/XX/. Never received a response. They sent another letter out XX/XX/ for me to accept and offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
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:
My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as collection/charge off. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, XXXX, and Transunion ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.

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 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX is showing a late payment on a closed account that is XXXX XXXX related. 
This account has been fully obligated and now because of XXXX XXXX is indicating XXXX time late. Partial account # 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
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX is an old account that has been on my report displaying negatively.

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