BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-10-11
Company: LendingPoint Holdings LLC
State: TN
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:
According to UCC subsection 3-401 a person is not liable for an instrument unless the person signed the instrument or the person is represented by an agent or representative who signed the instrument. They never gave me the right to dispute the debt, I have already disputed this with the credit and the company I demand the items be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Block, Inc.
State: IL
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:
Everytime I have an issue with a merchant and dispute the transaction for valid reasons Cash App denys the dispute. Today XX/XX/2023 I contacted Cash app as instructed by the app to do so, I spoke with rep who only confirms that dispute was filed and denied but doesnt provide info as to why. I explained in both instances it was a scam and that no product has been provided as promised and when researched no other information to contact both merchants are listed. I asked if Cash app denied dispute what contact info to these merchants has been provided or confirmed which rep had no clue. I asked to speak with supervisor about the matter which he stated one would contact me by email. I wasnt provided any contact info and no refund of my purchase since my dispute was denied with no indication of how this decision was made,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ever since i got this phone number in XXXX, i have received a phone call every single day. they leave no message. every single day. i do not owe debt nor have i previously been contacted by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXXXXXX  please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone had opened a credit card under my name on XXXX XXXX XXXX  and made four transactions ( XXXX XXXX  XXXX. Bass Pro, XXXX. XXXX XXXX, XXXX. XXXX XXXX ) and racked up {$730.00} worth of charges. I'm assuming the same person also made a fraudulent account with XXXX XXXX using my name as well, racking up over {$3000.00} in charges. I never applied for these accounts, made these purchases, nor did I know anything about this until I received the bills in the mail. 

I immediately called Capital 1 and let them know about fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On I discovered ( RESURGENT CAPITAL SERVICES L.P ) had been re-inserted into all my three-credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting 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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-02-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Paradigm Assets, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My complaint is regarding JHPDE Finance 1, LLC. They show two collection accounts on my credit report, one for {$1100.00} and the other for {$1400.00}. 

First : I have never received any written or verbal notice of : 1 ) the debt or my ability to dispute the debt ( in violation of the FDCPA ) ; 2 ) the Company 's intent to collect the debt ; or 3 ) information that the debt ( if it exists ) is owned by the Company.

The debt simply showed up on my credit report without warning. I've never been provided an account number or an opportunity to speak to anybody with the Company.

Second : I have called the company multiple times over the past six months in an attempt to speak to somebody at the company regarding the debt ( i.e., obtain verification of the validity of the debt, discuss options, etc. ). 

Each time I've called nobody has answered but I eventually reach a voicemail regardless of the time of day I'm calling. So, I've left a voicemail each time explaining that the debt is on my credit report but I don't have an account number to leave with the voicemail. I ask that somebody from the Company call me back ( and I provide my phone number ) and state that I will happily verify my identity when contacted. I've also asked that if they can not call me due to privacy concerns they will mail a debt verification letter to the address of record. To date, I have never received a call back or piece of correspondence related to the alleged debt. 

Third : I have filed multiple credit disputes through the credit bureaus requesting debt verification be provided or that the debt be removed from my credit score. The Company has responded to the bureaus indicating that the debt is valid, but has not provided any additional information to the bureaus or myself. If the Company can not ( or refuses to ) verify the debt to the alleged debtor, they should not legally be allowed to continue to report the debt as valid. This is negatively impacting me and I'm not being afforded any opportunity to resolve or defend myself.

Fourth : The telephone number ( s ) for the Company are constantly changing, which is proving to make repeated attempts to contact the Company to be unduly burdensome. If an ( alleged ) debtor can not readily get in touch with the " creditor '' this seems to be an unfair practice. How is a debtor supposed to manage or resolve an obligation if the creditor 's contact information is repeatedly changing?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

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 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 2023-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Capital one about to XXXX hard inquiry that is reporting on my credit report. They told me they do not see any applications on my file and there should be no hard inquries reporting on my credit. I Called transition and sent them a certified letter but they told me they can not help me without a letter from Capital One. I called Capital one back but they said they can not give me a letter and just call XXXX back. I want these hard inquires removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After 23 Disputes to Equifax, Identity theft reports to this bureau, as well as XXXX XXXX official documentation, and consumer statements posted to my credit file, Equifax refuses to by law, correct my credit file, and stop allowing fraudulent reporting to my credit file. After numerous phone calls, documentation of every single detail, identity theft action taken, proper notification, and supporting documents given to Equifax directly, They continue to allow fraudulent information, by one specific company ( XXXX XXXX XXXX ) report this information to my credit file. This has forced me to hire an attorney, and file for bankruptcy which has still after 4 years not solved this issue. This is a violation of the law concerning the Fair Credit Reporting Act which gives me the right to an accurate credit report. All federal Agencies have been notified of this issue, and are investigating which I am hoping will help. This has cause years of difficulty, finding a place to live for myself, and my family. It is an injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, 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 received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: DriveTime
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2017 I entered into a consumer transaction with XXXX. Since then I have learned that fraud has been committed against me. 
XXXX XXXX is in violation of breaking a number of consumer protection laws, including but not limited to : 15 USC 1635- Right of Recession. This was not included in my contract 15 USC 1605 ( a ) and 1605a ( 5 ) Finance Charge is the sum of all charges. I was charged, in addition to a finance charge a down payment and additional GAP insurance and fees.

I have signed and notarized all complaints and sent Certified mail to t
he of XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXXXXXX ( account XXXX ) is now holding a current mortgage note reporting on my credit that DOES NOT contain my signature. I did not approve of this modification and I would have never agreed to these terms had I been given the opportunity to review these documents. XXXX XXXX assumed liability of this mortgage when it was serviced by XXXX and approved of these terms, clearly without review. XXXX approved releasing me of all liability through a modification and then assumption in XXXX, then transferred the mortgage to XXXX XXXX XXXX However, XXXX XXXX XXXX  is still reporting this to my credit. I am not on the NOTE or the Deed to this home. 

In XX/XX/XXXX, the balance on the XXXX  XXXX XXXX XXXX was {$XXXX}. In XXXX, I was removed from the Note and the Deed while being serviced relief by XXXX Mortgage. From that date until XX/XX/XXXX, after heavy research, {XXXX was added to the loan for unpaid installments, interest, late fees, other fees and costs, etc. The payments were only {XXXX which included escrow. This is a gross overestimate of added fees and this is unlawful. 

XXXX  XXXX XXXX ( service relief by XXXX # XXXX ) increased this loan amount ( account XXXX ) by {$XXXX for late fees and interest according to these documents. In XXXX of XXXX, {$XXXX  was deferred for a principal adjustment, another erroneous number. In XXXX, this loan amount was {$XXXX. Now, XXXX years later with no cash out refinancing ever done, its totaling {XXXX  - interest bearing and non-interest bearing- due to fees and interest In XX/XX/XXXX, XXXX XXXX XXXX XXXX began servicing this loan, after I was removed and their records shows a principal adjustment of only {XXXX}, and a balance of {$XXXX}, which would be a total balance of XXXX, not the XXXX. I have attempted to write XXXX  XXXX XXXX, email, call, etc. for XXXX years now and no one ever gets me to the right department. No one calls me back. Everyone says they'll look into it but has no answers for why my signature is not on the current NOTE being held by XXXX  XXXX XXXX and why the balance is incorrect. This is affecting my credit, one, because its not my loan, and two, because of the terms and conditions ( balloon, erroneous loan amount, illegal amount of deferred interest ). The balance is reporting as HIGHER than the high credit limit and the loan has been established for XXXX years. This is fraud on so many levels.

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 2024-01-01
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am writing to formally file a complaint against Synchrony Bank and Care Credit for the unwarranted and damaging reduction of my credit limit. This action, which I believe to be a direct result of erroneous reporting by XXXX XXXX, has caused significant and undue harm to my financial standing and overall credit health. 

For years, I have been a responsible and prompt customer, always ensuring my payments to Care Credit and other accounts under Synchrony Bank were always made on time. Despite this history of diligent financial management, I was shocked to find that my credit limit had been substantially lowered ( {$9000.00} to {$3200.00} ) without prior notification or a valid reason ( your reasoning is based on a cascade of negative credit events as a result of XXXX 's erroneous reporting ). This reduction in credit limit not only undermines my trust in your financial services but also has cascading negative effects on my credit score and utilization rates. 

I understand that lenders periodically review accounts and make adjustments based on various factors. However, it is clear to me that this action was taken in response to an erroneous 30-day late payment report from XXXX XXXX XXXX XXXX situation that was entirely out of my control and has since been rectified. The decision to lower my credit limit in reaction to this incorrect information is both unfair and irresponsible, failing to take into account my long-standing history of creditworthiness and the extenuating circumstances of the reporting error. 

This reduction has had immediate and profound repercussions, including : A decrease in my credit score due to increased credit utilization. 
Restricted financial flexibility and access to emergency funds. 
Increased psychological stress and concern over my financial reputation. 

I have attached documents notating my original credit limit, my letter from XXXX explaining their mistake and a screenshot of the adverse toll this has taken on my credit and continues to do so as a result.

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