davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (CA)

I have a XXXX XXXX World Elite XXXX through Barclay Bank. 

I discovered today my credit line on this account had been decreased from a limit of {$4000.00} to a limit of {$2300.00}. 

When I called Barclay to inquire why this happened, I was given the run-around, by an associate named XXXX, and told that my credit reports were " pulled '' and my " balance to ratio limits were high. '' I have no idea what the associate was referring to. However, I was recently notified by the major credit reporting agencies that my information may have been exposed on the Internet during the recent data breaches. As of today, I have no knowledge of anything negative or adverse on my credit reports as a results of the data breach or any other reason. 

XXXX was unable to help me, but told me I needed to contact XXXX XXXX at ( XXXX ) XXXX. The problem is, there is a recording when you call this number, which hangs up on you. 

Additionally, I find it appalling this company had the audacity to reduce my credit line. I have been a PERFECT customer to them! I have never missed a payment or made a late payment -- in fact, I usually make my payments early. 

I have excellent credit. I own my home " free and clear. '' I 'm a XXXX XXXX, I make well over {$200000.00} a year in salary, which I presume, more than qualifies me for the small credit line of {$4000.00} I was originally offered ... 

In any event, my relationship with Barclay has been flawless. There is absolutely no just cause for this decision and I feel it was completely arbitrary and unfair. I have been a great customer with a flawless payment history. I have done nothing which warranted this action against me. I feel my credit line should be increased, not lowered!
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I justified recently received a copy of my XXXX credit report I noticed there are a few accounts that are not reporting my history. They are showing no historical payment information since XXXX 2017. I would like to have my historical payment history report. Some accounts are XXXX/ XXXX/XXXX XXXX/XXXX/XXXX XXXX.
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: KEYCORP (CT)

ATTN : PPD Dispute, KEY BANK Dispute XXXX ( I will be keeping a copy of the fax transmittal confirmation ) Fax : XXXX, XXXX, XXXX ( I keep getting different fax numbers to fax to and different items to submit. ) On Friday, XXXX ( XXXX ) I used my debit card ( to obtain unemployment funds ) in the ATM at Key Bank in XXXX, CT. I tried withdrawal {$500.00}, but the machine never disbursed the funds. However it accounted as if it gave me the {$500.00}. 

I talked to a XXXX that night when calling the ATM number. She said she could start the dispute, but I said I needed the money right away and I would go into the bank in the morning. 

I went the the Key Bank location in XXXX, CT the next morning, and they were unhelpful and unwilling to investigate themselves. They told me I had to call the ATM/XXXX number again. 

I called the number again, and they filled out all the dispute information, and then I was required to send a letter by fax or mail. 

1. The machine kept {$500.00} I needed 2. The process to rectify the situation is inconvenient, lengthy, unfriendly, not customer service oriented. 
3. The bank said it wasnt the first time the ATM didnt give people their funds. 
Due to the banks error, I wasnt able to obtain my money, I had to take time to go to the bank, then call the XXXX, and now write a letter - again, due to a bank error. 
4. A little common courtesy at the branch could have totalled changed this complaint. Courtesy includes treated as if the bank made a terrible error, an empathetic person 's, help with filling out the form and then faxing it for me. Instead I called the dispute number from the parking lot of the bank, while in my car, and had to locate a friend to use to fax the information. Its outrageous.
Sincerely disappointed and inconvenienced, and now it says it 's " pending ''. They gave me a number for the dispute processing area, and there is no " live '' person to talk to. It 's a recorded message that hangs up after a few repetitive cycles. I have no idea if they have what is needed.
This is four days without my needed unemployment funds with no understanding when I might get them.
It 's unacceptable.
P.S. - a bank teller could walk over to the ATM and count the funds, look at the security camera within a few minutes. But I 'm forced to spend my valuable time following up with THEIR bank error.
Consumer complaint received 2017-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP (NY)

I depositeda cashier 's check XXXX/XXXX/XXXX, at my account in Key Bank ; checked bank XXXX/XXXX/XXXX and teller said funds would be available in morning, XXXX/XXXX/XXXX. I received cashier 's check per XXXX XXXX mail received - letter is attached. I transferred 2 money grams to address assigned, after checking account for availability of funds. Each was {$930.00} and each cost was {$11.00} per transaction. I work 2 jobs and also received pay from 1job on Friday XXXX/XXXX/XXXX. I periodically checked account through the weekend and had over {$300.00} in my account. I checked account Monday XXXX/XXXX/XXXX and was over {$1900.00} negative. I called customer service at Key Bank at XXXX PM and was told it was just a hold on the check. I asked if I should put a hold on my account so no other funds would be withdrawn, but was assured by rep that balance would be over {$300.00} in morning. I called customer service today, Tuesday morning at XXXX and was told same, by XXXX it would fall off and balance would be positive. I checked at XXXX : and still negative. I called customer service and was told it was not valid, no funds available and to try reaching out to XXXX XXXX. I assured him that I had been trying. I went to the Key bank in XXXX and was given the # for fraud. I went home and called the fraud department and asked about reimbursement and how I could have carried out transaction if funds not available. I was told that they did not have anything to help but filed dispute. I do not want to see anyone else go through this but also feel the bank has to be responsible for misrepresentation. I am terrified as my direct deposits from work will continue to go toward a negative account that just continues to go in the negative. I ca n't pay bills, buy food or anything and I am really terrified.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is two account on my TransUnion and XXXX credit reports that should not be in collections. I have called the collection agency and they said they have been closed. XXXX XXXX XXXX XXXX both amounts are for {$150.00} dates they were placed is XX/XX/2015 and XX/XX/2015.
Consumer complaint received 2017-10-17
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BBVA FINANCIAL CORPORATION (TX)

I have been a member of XXXX XXXX XXXX in XXXX, TX since XX/XX/XXXX. I have had my CD 's and XXXX accounts with them since that time as well as checking and savings accounts. As of this year, I have been requesting reports from BBVA since my inception of working with them as I feel that money has been taken from my accounts at one time or another. My son has also requested reports from the investment side as well, so that we can follow the paper trail and do research on our own to see if and when my accounts with BBVA have been compromised by someone at the bank. In XX/XX/XXXX, I requested information from one of the agents and was told that she was no longer employed with the bank. We have repeatedly asked for our reports from bank statements, statements on my investments, etc, but they do not respond to my requests. 

They would lure me into internal accounts that benefited BBVA on interest rates and not my own. When my CD 's would mature, they would place the money in an " Internal '' account until they moved it somewhere else. They also tried to convince me to place my money in accounts that did not benefit me at all. We have been asking for all reports that show all transactions on all accounts so that we can cross-reference the trail of money coming in and going out. We have not been able to get these reports from the bank.
Consumer complaint received 2017-10-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Patenaude & Felix A Professional Corporation (CO)

Being Sued by XXXX XXXX XXXX for Private Student loans owned by XXXX XXXX XXXX. These loans are included in the recent lawsuit brought by you, as XX/XX/XXXX-XX/XX/XXXX. I have protested that I do not own this loan and yet I have a conference meeting scheduled for XX/XX/XXXX at the XXXX County Courthouse for this loan. I am representing myself and this attorney says that XXXX said for them to go ahead with this suit. How can this be when a stipulation has been ordered? This is the result of a the email from Friday, XX/XX/XXXX. 

XXXX XXXX, I did receive some disclosures but they were included with a document that was titled answer to subpoena. There is a sample form for initial disclosures on the Colorado Courts website that may be helpful for you. 

Regarding your question about XXXX and the Consent Order. We have reviewed the account and the documentation that we have, complies with the consent order and we have been given authorization to move forward with this particular account. 


XXXX XXXX XXXX, XXXX. 
Attorney at Law XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX, Utah XXXX Toll Free : ( XXXX ) XXXX Direct Dial : ( XXXX ) XXXX Fax : ( XXXX ) XXXX This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector.
Consumer complaint received 2017-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent this company letters over and over again since XXXX, 2017 and they have yet to provide me with anything with my signature. 
These are the certified mail tracking numbers XXXX that was signed for an employee at XXXX XXXX on X/XX/2017 and XXXX that was signed for by transunion and XXXX along with numerous of other attempts to remove this invalid debt.
Consumer complaint received 2017-10-17
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (PA)

I have tried again and again to try to get help with my student loans. I have been told over and over that forbearance is my only option while I work out how to handle the loan after the XXXX of my father and have taken that route to avoid further damage to my credit for years. I have attempted to speak to the debt collectors when they call and have been yelled at even when trying to explain the situation and that I need help in order to resolve the problem. If I could pay half of my loan off on the call, I would have paid my payments on time. I still have yet to have an explanation as to why, after the XXXX of my father who is on my loan, I ca n't refinance it in my name or why it wo n't go away completely. I am beyond the point of catching up and this business does n't seem to want to help me do that as long as my loan keeps collecting the ridiculous interest rate put on it.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FRANKLIN AMERICAN MORTGAGE CO. (UT)

On XX/XX/XXXX, I had called in to customer service because we had issue trying to make our XX/XX/XXXX payment online. After speaking with an agent, she informed us that it was due to us being approved the loan modification program, which would lower our payments. During the conversation, I was informed that we did need to make a payment until our XX/XX/XXXX payment was due, on XX/XX/XXXX. When XX/XX/XXXX rolled around we noticed that our XX/XX/XXXX payment we into a past due status and I contact the company again to resolve this. At that time I was informed that the call would have to be reviewed, and the agent did see the notes clearly on our account that stated we were informed no payment was due until XX/XX/XXXX. He even mentioned it would take about a week to review and to call back. A week later I called back and was informed it was still being review, and to call back. I gave it a few more weeks and called back the end of XX/XX/XXXX to make our XX/XX/XXXX payment over the phone, and scheduled it for XX/XX/XXXX. At that time, the agent after asking about the status mentioned that it was still being reviewed, and proceeded to inform me that it would be updated on our credit that Franklin is working with us. That is incorrect, because I pulled my credit report this month as a result of the Breech, and we are still showing
30 and 60 days past due, for XX/XX/XXXX and XX/XX/XXXX. We in good faith, did exactly what we had been advised by the rep in XX/XX/XXXX and made no payments until XX/XX/XXXX. We have even during this period of time left message on the online messaging system to seek a resolution, which all 3 have been clo
sed with no outcome or response from Franklin American. The first inquiry online was on the old system and got purged, on the consumer side, when the new website went live, the other 2 have been closed. One indicating we need to verify who we were, which we did when we signed into the account. The second request on the new system was again an attempt to resolve, and was closed with no comments on outcome.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is in regards to XXXX XXXX XXXX reporting on my credit files. XXXX  is reporting inaccuracies on my files. This account is closed and have been closed for over 2 years, yet XXXX is reporting this account as open. Also this is a charge off and in the payment status XXXX is reporting it as Charge off/Collection. According to the Fair Credit Reporting Act this is only supposed to be reported as a charge off and not as a charge off/collection. Another issue is that the amount that is being reported is incorrect. This account is closed and XXXX recently increase the amount of the charge off which is not accurate and TD can not increase this according to State and Federal Law. Also I want XXXX comments on this account to be removed from my files. According to the Fair Credit Reporting Act I can have any comments on the accounts on my file remove. Therefore I want all TD comments in the Remark Section to be removed Immediately. To this date I still have not received my personal properties from XXXX XXXX, and also XXXX has sent me a letter stating that they were going to reduce the amount by {$400.00} after I filed a complaint through Better Business Bureau. So how is it that XXXX  make this promise and never fulfil their promise. This is another act of deceptive practice by XXXX XXXX. I have to pay over {$1000.00} to replace my belongs that XXXX XXXX, and whoever acted on behalf of XXXX fail to give me back. Now I contact Transunion so that they can investigate this account, and they are telling me they cant investigate it. Now according to the fair credit reporting Act Credit bureaus are supposed to investigate any information a consumer challenge on their credit files. Now I want XXXX to fix their errors on my credit Files, and Transunion to fully investigate not partially, but in whole.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (AR)

I am a single mother raising a XXXX. I have been targeted by lender and I feel this is based on my culture. I know that my counterparts many paid for school out of pocket. As a minority we are are the last hired at the lowest pay scales. I can accept that there is not much I can do about this type of discrimination. Now lender discrimination is a legal matter that should be addressed. I have on credit report 41 different accounts reporting of student loans. Each of these account have changed hands several time without any notice to me as the consumer. All accounts are showing negative payment history. Each lender has baited and switched these accounts for leveraging against me as single parent. I have received correspondence from the bureaus stating that they have removed an account or updated an account. When I look closer I see that they are still circumventing the rules. They are actually responding without even looking at the actual dispute because if I address 41 negative student loans account and the bureaus address one out of 41, they are still omitting the fact. As long as lenders are doing this my XXXX and I have no future because we can not pay in full student loan debt. I am trying to get better rate but these lenders have my family captured by using this process.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

XXXX XXXX XXXX XXXX ( 3 in total ) show late payments that were not late. I was told they could not fix them and I needed to file a complaint. The XXXX stated that when the complaint came in they would ignore it and the bureaus would remove the late payments.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX LA XXXX Support Division / Family Law division is reporting a delinquent child support account on Experian that does not belong to me. I have no child support obligation and I have never been to LA. My child is XXXX. I called XXXX XXXX XXXX Support Division and they state they have no record of any account or information on me. They told me to talk to the credit reporting agency which I did. 

It appears on my credit as Child Support XXXX/LA
Consumer complaint received 2017-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (UT)

XXXX XXXX is attempting to collect a debt that is not valid. XXXX is the original creditor and they do not provide the services as promised. I have spoken with my attorney and the next correspondence will be from him. I do not owe this debt and am ready to take legal action against both companies.
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (GA)

Company is attempting to collect a debt for a medical bill that was taken care of via insurance. This company is reporting to my credit as SYNDICATED OFFICE SYSTEMS and as CENTRAL FINANCIAL CONTROL on my credit report for the same debt. I have attempted to validate the debt and their office keeps sending me partial documents and completely avoiding my request. The documents that were signed with the hospital, but nothing with any reference to their company. The documents that they are sending to " validate the debt '' is missing pages. I am to believe that I am supposed to receive all pertinent information regarding the account and they are REFUSING to provide what I am asking for.
Consumer complaint received 2017-10-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

On XX/XX/XXXX 2017. I applied for a payday loan with Cash Central Community Choice financial. I was turned down, I do not even believe they submitted anything, they are Using correct information you applied on the Online computer system. It does not even seem to be correct. all this information is transmitted into a computer system to be used later, and it may hurt and it may hurt a person severely. I can see these people using it for that purpose. they do not intend to give anyone a loan they are just getting all the information up they can to hurt someone later on. they mere intentions are to be on your credit score for publicity Only. No intentions of giving any one a loan just like previous company does. I did not want to apply online but they said they information was secured and it would be alright. I have been turned down for so many payday loans here in XXXX tennessee. I am wondering are they using someone else information so they could have reasons to not approve my case. so I can get a loan. It is just ridiculous that these companies are doing this to people. the one 's who need it the most can not even apply. and get a loan through any of these companies anymore. I think they are using not verified information and turning all of Us down for no reasons at all.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Equifax has not properly investigated the following issues on my credit report Confirmation # XXXX. Their claim to have investigated the issues is false. Please see enclosed letter ... 

Earlier in the year, I started a dispute with Equifax, XXXX, and XXXX  regarding items on my credit reports. Equifax claimed to have gotten the public records information being reported on their file for me from XXXX. I started an inquiry into the facts with XXXX approximately XXXX/XXXX/XXXX. After concluding their investigation XXXX/XXXX/XXXX XXXX agreed with me and deleted the item ( see enclosed letter ). 

On XXXX/XXXX/XXXX Equifax claim to have investigated and VERIFIED this item by means of XXXX! 

EQUIFAX, XXXX, AND XXXX show a pattern of deceptive practices regarding consumer credit issues. They should be audited and their procedures combed over. I believe that their internal security as it pertains to a consumer file is loose. Meaning that dates and other important factual items can be changed by a clerk or data entry person for no reason other than their mood. Their record of FCRA violations has to be epic ...