BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-19
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
Details of the problems I had with the merchant and Barclays are documented in the attached letter but in summary I do not have the painting and continued to contact Barclays and attempted to contact the merchant but he kept hanging up on me or not returning my call when I left a message or texted. XXXX XXXX, XXXX I purchased a painting presented on TV by XXXX XXXX using my Barclay Credit Card, however I received a fraud alert through my XXXX account, not my Barclay Card. I then researched and could not find this company online so I called the merchant back and cancelled the purchase. I could also see the merchant continue to try to charge my card so I called Barclays XXXXraud hotline and reported the situation and told customer service not to approve this merchants charge on my card because I suspected fraud. Barclays customer service rep assured me that they would not let the merchant charge my card. On XXXX XXXX I checked my XXXX account and noticed that {$1900.00} had been charged to my account again. I immediately called Barclays to complain. Barclays reversed the charge and reached out to the merchant. Early XXXX I noticed the charge again hit my account and at that time Barclays informed my that my complaint was not considered fraud as I had provided the merchant my card #. Since XXXX I have continued to complain with no progress and in XXXX XXXX received a letter from Barclays informing me they will do nothing to help me or reverse the charge. Barclays led me to believe they would protect me, however I learned in XXXX that their system does not have the ability to block a charge once the # is provided.I told Barclays from the beginning Barclays should have advised me to cancel my card and have Barclays reissue a new card and doing so would have protected me. At no time did I receive any advise. I do not have the painting and Barclays has charged my card {$1900.00}. The merchant will not communicate with me an Barclays has shut the case..

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 2020-10-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The last four of my social security number is XXXX. Please investigate the following informationXXXX XXXX XXXX  # XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. The term duration is incorrect. Correct it or delete this account. XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high credit amount is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. XXXX XXXX # XXXX Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. The public record # XXXX. I contacted the bankruptcy court concerning this account and they told me they have no record of this under my personal information or social security number. They also told me they do not report anything to credit bureaus for no bankruptcies at all. I have also contacted the data furnisher XXXX XXXX you have listed on my report and they also conveyes to me they do not have any information under my complete name, address, date of birth and full social security. Please remove this Public Record of my report for false reporting. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt is from Wells Fargo that claims I took a student loan out with them back in XXXX. I have never done business with Wells Fargo after closing my account in XXXX. This is a revolving issue that gets sent from debt collector to debt collector. The debt is not mine, nor has any ever provided any information that shows the debt is mine and is a real debt owed by me.

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 2015-07-30
Company: Columbia Recovery Group LLC
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I contacted Columbia recovery group about an account they received from XXXX XXXX apartments that I had discharged due to bankruptcy. They agreed that debt was satisfied and that the account was closed and current. But my credit report still shows it open and active and in collections witch is is not the cash. Columbia recovery group said all the information on there end was done correctly and it should be closed and not showing in collections on my credit report. I have filed a dispute for XXXX for this same account and now I would like to file a dispute for XXXX to remove this. Thank you and my contact number is XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
My credit report shows a hard inquiry via XXXX XXXX on XXXX XXXX, 2017. This will be the second time that credit card accounts have been attempted to be created in my name. even after contacting XXXX XXXX several times over the course of a couple of years, they have been no help. XXXX XXXX told me that it is not their problem and that I should contact all of the credit bureaus to fix their mistake. I then called Transunion only to be told that I needed to contact XXXX XXXX for them to fix the issue. I have never once done any business with XXXX XXXX in my life. I need some sort of assistance to get this inquiry off of my credit score.

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 2016-10-01
Company: UMB FINANCIAL CORPORATION
State: KS
Product: Credit card
Issue: Balance transfer

Complaint:
Quicktrip has offered gas station card through UMB Bank. I held a card which was paid in good standing. They switched provders to XXXX XXXX XXXX XXXX XXXX earlier this year. I changed where I am sending payments and monthly statements provided by XXXX XXXX XXXX XXXX XXXX show my account is laid. But I am now receiving collections letters from UMB Bank saying I owe on my Quiktrip account. What gives?! I have paid every statement I 've gotten!

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 2015-12-07
Company: TRANSWORLD SYSTEMS INC
State: NH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld Systems Inc., at XXXX XXXX XXXX, XXXX, NY XXXX has been persistently attempting to collect a debt that I do now owe. The amount they are attempting to collect is {$120.00} for services rendered by XXXX, a medical services company. I have paid this with my Flexible Spending account. I have provided Transworld Systems the payment processing date ( XX/XX/2015 ), payment ID, and transaction number. They have not responded other than trying to collect the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: MD
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:
Contacted each credit bureau because of false reporting lack of investigation an credit dropping significantly causing denial an confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: SUNRISE CREDIT SERVICES, INC
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: Old information reappears or never goes away

Complaint:
I have disputed the incorrect information on my reports and they're coming back with the same information just updated but no explanations of when and where proof of the account to open them information about it nothing is being described to me I'm completely at a loss

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 2017-08-19
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My electric payment from XXXX XXXX posted on my account on XXXX XXXX,2017 for {$91.00} and some change and this payment showed clear after I made a transfer of {$130.00} from my second account that I have with Huntington which has my direct deposit. My XXXX XXXX was returned and I was charged two {$37.00} returned check fees. Huntington offers a 24 hour grace period but I was denied the grace because of an earlier complaint I made against them for discriminating against XXXX XXXX with regards to fees they charge them as oppose to their XXXX XXXX when it comes to them applying their 24 hour grace promotion. I have started an online petition with thousands of complaints and I will file a Class action lawsuit if all my fees are n't returned into my account within 30 days. They have misleading marketing when it comes to their 24 hour grace period because they pick and choose which ethnicity they extend that option to and it must STOP. .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On Friday XX/XX/2018 I spoke with Collections Supervisor XXXX at Wells Fargo at XXXX in reference to inaccurate late student loan payments XXXX60, XX/XX/XXXX-30, XX/XX/XXXX-30, XXXX30 that was reported to XXXX, XXXX and XXXX for a loan that I am a cosigner on. This loan was in forbearance for a long time then for some reason unknown to my self it came out of forbearance according to XXXX. I was never properly notified so obviously I was unaware of this change. In my conversation with XXXX he acknowledge that he had the wrong city for my address and this may be why I never received any notices. Also, XXXX stated I was never called from his records to notify me of this change. Without proper notification I believe this is a violation of Fair Credit Reporting Act. This has caused duress and a financial burden because it has hinder my ability to purchase investment property. After speaking with XXXX the account balance in question was paid on Monday XX/XX/2018. All late payments should be removed because Wells Fargo failure to properly notify me. I pray that Wells Fargo will do the right thing and correct this severe error.

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 2016-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was given questions to answer from Transunion however, one of the questions asked me to answer the county in which i lived? I know that I lived in XXXX XXXX, CA however, I did not know the county that city resided in! Then I was denied my free credit report as a result of it!!! I still want my free yearly credit report from Transunion!!!! This has happened to me from XXXX or XXXX and now from Transunion!!! I am tired of this being allowed to happen!!!! 

Thanks, 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 2018-03-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I SENT TRANSUNION A LETTER AND THEY DID NOT RESPOND TO IT ENCLOSE IS THE LETTER I SENT THEM WITH MY CERTIFIED MAIL RECEIPT. I WOULD LIKE SOMETHING DONE ABOUT THIS MATTER ALL OF THE OTHER CREDIT BUREAUS HAVE RESPOND BUT TRANSUNION.

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 2016-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I filed a complaint against Transunion due to their verification of a debt issue. The following week, in retribution, they lowered my credit score by XXXX points even though there was absolutely no change in my report. It has been several weeks and they refuse to raise the score to the previous level. I printed the XXXX reports showing the only change was the score and NOTHING else. I thought this process was to help consumers but now feel threatened that companies can harm my credit for complaining about them. I find this frustrating and feel the entire reporting system is broken and needs an overhaul. I pay my bills on time and pay off credit cards every month and yet find my score does n't represent 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 non-monetary relief
Consumer complaint received 2022-05-25
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX : XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Equifax : XXXX XXXX XXXX Balance XXXX {$25.00} XXXX XXXX Balance : {$0.00}XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00}XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I XXXX am filing this complaint because TransUnion has ignored my request to provided me with documents that their company has on file that was used to verify the Public Record i disputed. Being that TransUnion have gone past the 30 day mark and can not verify the Public Record, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verify '' that I have disputed. Please resolve this manner as soon as possible. 
Thank You!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had auto-pay set up through my mortgage servicer - Loancare. Suddenly, in XXXX the payments were interrupted. Despite the fact that I had received my monthly " Thank you, your mortgage payment has been received! '' email from Loancare my payment had not, in fact been deducted from my checking account. I contacted them several times and each time they swore everything was fine. Finally I made a manual payment from my checking account and held my breath, hoping that Loancare would n't suddenly ding my account and pay double that month XXXX they did n't, my manual payment was the only payment made. XXXX Despite my phone calls and attempt to ensure this payment was made on time, Loancare levied a late fee for XXXX. I have been unsuccessful in having them waive this, as the late payment was because of a problem on their end XXXX their auto-draft not functioning ) and nothing I did. 

Care to guess what happened in XXXX? Again an email thanking me for my mortgage payment. Again no money deducted from my checking account. Again a flurry of phone calls and emails that ( mostly XXXX went un-answered trying to find out if Loancare 's auto-pay was going to deduct my payment or if I should make a manual payment again. Again I was assessed a late fee, and was told that my mortgage payment was not received due to insufficient funds ( not true and my bank is prepared to provide written evidence as to such ) and then when I called I was told my payment was n't made because of changes I had made on the Loancare website ( again, not true I had not made a change since originally setting up the original auto-draft and had been successfully making payments for MONTHS before this happened. ) I ca n't get anywhere with Loancare, their staff are rude, unprofessional and unhelpful. When my husband and I attempted to re-finance the loan with them in order to remove PMI they declined, stating that my bankruptcy inhibited their ability to improve the terms of my loan ( I have never declared bankruptcy and they refused to disclose where they had obtained that information. ) I really do n't understand how these folks get away with this stuff. I 'd rather have my loan serviced by XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
XXXX is harbouring incorrect information about a XXXX account and balance that was paid and should be removed. Additionally I can not retrieve my report from their website. This is hindering me tremendously from being able to receive loans from banks.

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 2020-09-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I submitted a payment through Homedepot.com for my monthly balance. The due date was XX/XX/10 and the amount {$65.00}. On XX/XX/XXXX I received a letter that the payment was rejected. I called to find out why the payment was rejected. The first XXXX said she could not help and I was transferred to customer servce. They said theyd issue a credit for late charges but could not tell why it was rejected but I should speak with my Bank. I phoned my Bank, they had no record of an attempted payment. On XXXX I received another letter further explaining why the payment was rejected. I was asked to validate the routing and account number. This is an old routing and account that had been removed years ago from the account. I wrote to Home Depot online as my experience on the phone was unhelpful. After At least five or more back and forth where I was provided canned emails with no explanation I was told these could not be done in writing and Id have to call. I will not call and go through that experience again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25
Company: Genesis FS Card Services, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because CB INDIGO does not meet any of the requested documentation required to satisfy validation of debt. How does this computer printout prove that this debt belongs to me? They still have not complied with the XXXX. They never responded with the documentation requested and required by the XXXX.

Company response to consumer: Closed with explanation