BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-04
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been a customer of Discover bank for almost 7 years and I have always been following their rules and made prompt payments. ( My credit score is excellent. ) Last month they sent me a short notice saying that my account will be closed, effective immediately. This was highly unanticipated since I never did anything wrong and it will greatly affect my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I have monthly and yearly subscription and some I do n't even remember. 
So to protect myself, I report a stolen credit card. I received the new card from Barclay Card and to be safe I moved my monthly subscription to XXXX XXXX. 
As now, I have a charge from XXXX that I did not authorized this charge and I called Barclay for the second time. They told me that as long that I did not cancel my subscription, the merchant will update with my new CCS ... and I can not get on hold with XXXX. 
The big issue that I have with Barclay card is if there is a dispute is between me and the merchant, not with Barclay Card. As with XXXX XXXX, I received notification asking if I recognize the transaction ... and if there is a dispute, merchant will get back with me ... but it is not the role of Barclay XXXX to mange the dispute with fees and what so ever. I called Barclay on XXXX/XXXX/16 and nothing was done. I just call now, spoke to a man ... we went over the issue and he put me on hold ... I call around XXXX Pacific Time and now 43 minutes later ... it rings busy and it hangs up. 
Please ... we need some kind of protection and stop Barclay Card with this unlawful Act.

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 2022-08-04
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent numerous letters about inaccurate information on my credit report. Transunion either doesnt respond, tells me to reach out to the company who intimated the inquiries to remove them, or just tells me its verified. So then I reach out to the company like they said, and the company cant verify it to me. But Transunion still wont delete this inaccurate information. So I dont believe they are verifying the information at all! They cant be allowed to just mess up peoples credit and leave things in there that are not yours! 
XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/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 2016-02-14
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
I went to the doctor and I did n't have insurance, and so they unwillingly signed me up for care credit. I AM NOW BEING CHARGED ALMOST XXXX DOLLARS IN INTEREST FOR A CARD THAT I did not agree TO OPEN.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Conn 's is reporting 30 to 120+ late payments on my credit report which is n't accurate. I requested my payment history from Conn 's which show paid thru dates and payments being applied to misc fees. I 've disputed the info with all XXXX credit bureaus and sent in the payment history for proof. The bureaus did not investigate the late payments and have not removed the late entries. I 've contacted Conn 's to correct the issue and have not had any luck. I 've requested the removal of the account from my credit file due to the incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I C SYSTEMS COLLECTIONS # XXXXI believe under the Fair Debt Collections Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from MEDICAL-XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to { name of provider } for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter-sent certified mail as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will respond by certified Mail.

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 2016-03-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I received a collection notice from XXXX XXXX XXXX in which I disputed with the creditor on XXXX XXXX, 2016. I provided documentation from the original creditor advising that the amount and information provided by the original creditor was fabricated. To this day, I never received a response from the collection agency validating my dispute. Therefore, the Texas XXXX XXXX XXXX XXXX which requires the collector to validate the debt within 30 days and if the creditor does not respond within 30 days, the debt is considered NOT VALID and must be removed from ALL credit files and further collection action MUST cease. 

During the dispute process-the collection agency continued to collect on the account by calling me once and reporting the account to the Equifax. In so doing, they not only violated the FCRA, FDCPA, they also violated the Texas XXXX XXXX regarding collections and credit reporting. 

I immediately disputed the account with Equifax , providing them with the dispute to the collection agency and the documentation that was sent. I also informed them that the collection agency has NOT validated the debt as required under Federal and State Statutes. Equifax processed the dispute stating that they verified the debt is being reported correctly and that they verified that it belonged to me. Unfortunately, this is not possible if the collection agency was unable to validate the debt with me within the 30 day required time under the law. Equifax has continued to aid this collection agency in breaking the law and has now also violated my rights as a consumer under the Texas XXXX XXXX by continuing to report a debt that was not validated under Federal and State law. This debt is fictitious and Equifax is just as responsible for continuing to be in the violations of the law as the collection agency by keeping it on my file. 

A separate complaint against the collection agency has been filed with your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company forced placed flood insurance on my property when I already had flood insurance coverage. The flood coverage I purchased started on XXXX/XXXX/2016. In XXXX 2016 the mortgage company said the coverage was not enough and to raise the coverage by $ XXXX, so I did to {$190000.00} and back dated the higher coverage to XXXX/XXXX/2016. The mortgage company never told me in advance how much coverage to have. In fact when I called them they told me to have my insurance broker make the coverage assessment. The mortgage company is charging me {$25.00} which is their premium for coverage from XXXX/XXXX/2016 to XXXX/XXXX/2016. They tell me they wont reverse their flood coverage even though they never told me how much coverage to have. I want them to reverse their premium and to have a policy in place so I know in advance of how much coverage I need before purchasing flood insurance. Property loan balance is $ XXXX. Do n't I only need enough coverage to pay off the loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Pressler & Pressler, LLP
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was forced into a payment arrangement wit pressler & pressler. Upon moving out of state they stopped sending my receipts of payment or a balance of my bill. When I called them they told me they could n't call or mail me my statements anymore and " by the way you missed XXXX payments 4yrs ago ''. I asked for copies of my statement with my balance from that point forward but was denied. I felt I was not being treated legally and wanted my statement before I mad another payment. They told me they would ask and mail me a response. I never got one. They are now trying garnish my wages for 9xs what I was paying before. They once again said they would ask for permission to send me my statement but in the mean time they would only reduce my payment to 5xs what i was paying before. I 'm 17hrs away and cant get to court to defend myself. What do I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The Lien is incorrect. The amount listed on the Lien is also incorrect. I spoke to the Illinois State and they told me the amount i owe them is $ XXXXXXXX.They have told me that they have never filed a Lien for $ XXXX.According the law any Lien which has incorrect information must be deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I originally filed a disputed on XXXX XXXX for not accurately reporting my acct to Equifax. Turns out I filed the complaint on the wrong intetity. Equifax shows my XXXX XXXX card open date to be XXXX XX/XX/XXXX and the most recent report from XXXX XXXX in XXXX XXXX, XX/XX/XXXX. That is 10 months of age of the account. Equifax is reporting my account to only be 7 months old and this is causing a lack of credit score increase, which is in turn preventing from getting our mortgage loan. I would like Equifax investigated for knowingly holding back the proper reporting of my accounts and are costing me time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I do n't owe any money to XXXX for XXXX {$.00} this information is not accrete please take this out from my Credit Score ASAP Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am disputing DOB information reported by EQUIFAX. I have disputed the information on my credit report now for almost two months every other day. I am asked to show identification documents so that EQUIFAX will change the information ; however, the documentation they ask for is used for IDENTITY THEFT purposes and I am a VICTIM. 
They will not REMOVE the DOB from the credit report and I have included a Consumer Statement indicating that the information they report is INCORRECT. 
I feel that the person who STOLE my identity is in touch with EQUIFAX by phone and the contact is the reason why the DOB has not been changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting a " hard credit inquiry '' from XXXX XXXX XXXX XXXX, XXXX. I told Equifax that ( 1 ) I never asked XXXX for any services ; ( 2 ) XXXX does not provide any services in XXXX where I live ; ( 3 ) XXXX told me that they have no record of any account or request in my name ; and ( 4 ) XXXX told me that they did not make any credit inquiry about me. Nevertheless, despite repeated requests, Equifax refuses to remove the erroneous information and this is adversely affecting my otherwise " excellent '' credit score. I have written to Equifax several times, pointing out the absurdity of their report, but they have refused to remove the false item from my credit report ( which, by the way, is not shown on any other report from any other credit reporting agency ). I told Equifax that their inexplicable failure is costing me time and money, and that I would report their misconduct to you, but they do not seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Tried to get XXXX and Equifax credit reports through XXXX. The reports appeared but the session expired before I could print them, and when I tried to see them again ( within a couple of hours ) the system said I had to get them by mail, and could only get them if I provided a pay stub, a copy of my social security card, and a XXXX form. This does n't make sense since I did not have to provide those to see the report online. However, it said I would be able to access the reports for 30 days online, and I ca n't. So now I have used up my XXXX free annual report request with them but I do not have access to the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have a credit card account with Barlcays Bank. I have had the account for 2 years. When they opened the account it was for {$5000.00} credit limit. Over time it was increased to a {$7000.00} credit limit. I have never been late on this credit card at all. Always paid it on time. Today I receive a message that my credit limit was lowered because they did a review on my application. They lowered it to XXXX. Which was lower than what was originally offered to me. Keep in mind about 8 months ago I paid this account down to a balance of XXXX. In that time I was offered to do a balance transfer on my credit card. I took the offer and moved debt from other credit cards over. Now the card balance is at XXXX. The fact they lowered my limit is going to make my credit score look worse. What I am asking for his for them to raise my limit to at least XXXX. The amount they originally gave me for the credit card.

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 2016-11-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Over the last 4 years i 've battled with illness and other health issues. I knew someone had used my information to get credit cards and medical stuff but could n't even handle it. This year my health has picked up and I 've been working to clear the fraud off my credit report. For some reason after disputing it 's still there. Theres a medical accounts that keep changing their names and theres nothing I can do. This feel s like my last stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Ordered a report for a loan app on XXXX XXXX, have been billed since for monthly tracking report. I cancelled by calling XXXX number, rep tried to talk me into keeping the service AND adding other security services. XXXX now claims they have no record of my call. Very convenient. I want a refund for all the months they have billed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Hello. I am in the process of clearing up all inaccurate and wrong information on my credit reports. 44 Days ago I send a certified letter ( copies saved ) that requested Corrected information and PROOF of any errors they are not removing from my personal credit report. I have not received anything, no reports, no credit file or questions. I sent this with proper ID proof and a detailed letter and account numbers. They have in the past kept false reporting on my report that are not even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax has failed to validate a debt that i request validation nor have they sent me proof of such verification. Furthermore XXXX XXXX is asking me to send them information in order so they can process the dispute.So far this account is unverified and must be deleted.How can Equifax validate this debt when XXXX XXXX is asking me for information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Im a victim of title fraud XXXX XXXX made the title claim and told me not to pay the mortgage and they will not report any negative enclosed is a copy of the title claim

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX As you can see this was necessary because Citibank was poor in helping me. I spent an afternoon with the branch manager @ XXXX. We spent hours getting transferred from one Citibank person to another. None were helpful, The idea was to fund a checking account, and when funded qualify for a bonus. I initiated this transferring out of my XXXX savings account to a new Citi account. One thing I was not aware was Citi debted my XXXX account. I never gave Citibank permission to enter and withdraw money from my XXXX account. The XXXX branch manager pointed this out to me, something done without my permission. 

In a reply from the above referred complaint Citibank suggested XXXX could issue an refund of funds. XXXX advised they couldn't since it was Citibank who withdrew the funds. 

I hope you get better support this 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
Consumer complaint received 2015-08-27
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Approximately XXXX months ago Barclay raised the limit on XXXX my credit cards from {$2500.00} to {$6500.00} in recognition of responsible card usage. Less than XXXX months ago I contacted Barclay to shift some credit line from XXXX account to another. The credit analyst who processed my request told me that by Barclay 's standards I manage my credit excellently. Then, on XXXX/XXXX/2015, Barclay closed all my accounts locking up rewards worth a total of {$1100.00}. This was comprised of XXXX points on an XXXX Extra Points Card ( valued at {$0.00} per point = {$900.00} ) and XXXX points on an Arrival Plus Card ( valued at {$0.00} per point = {$190.00} ). I have made no change to my use of the cards at any time in the last XXXX months ( the duration of my credit relationship with Barclay XXXX. I am left with no access to my earned rewards and have only been provided with a vague explanation that my accounts were closed for their usage XXXX the same thing that prompted increased credit lines and verbal praise from a credit analyst at the bank ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief