BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: SYNCHRONY FINANCIAL
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 My Pay Pal account was charged for {$89.00} from a company named XXXX XXXX XXXX XXXX. I called and complained and they denied my claim due to the fact that they said I had agreed to the charge and that is not true. 
I am XXXX and a veteran having served overseas for our country and my wife passed in XXXX and this bothers me so much. I got a denial with the address where I could make a final appeal and I did so. They never even answered me. So I called the credit card company for Pay Pal and cancelled my account and cut up the card. 
There was an email that said " download or cancel '' and I clicked on cancel. I didn't even know what they were selling. This is elderly abuse and I will tell you that Pay Pal is paying anyone that says they have money coming because there was no checkout to a point about paying or anything. I am on Social Security and cannotr afford this bill. The credit card company Syncrony told me I should pay it to keep myself out of collection while I was waiting so I did. 
Please help me with this as I am feeling totally used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2019-09-04
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I received my American Express statement for the billing period due XX/XX/2019. The statement included a pending interest rate increase to my account. My current purchase rate is 8.74 %. The new rate effective XX/XX/XXXX, XXXX14.74 %. The reason for the increase according to American Express is my XXXX fico score of XXXX. I have exceptional credit and the pending rate increase is unwarranted. All accounts are paid in full each month, no outstanding loans, no negative activity /notations on credit file. My debt to credit ratio is 2 %, so how and why would I be charged 14.74 % interest on purchases. Yes, I reviewed my credit report and the term exceptional appears frequently. For those that say why would it matter if the accounts are paid in full each month, my response, I worked diligently to be a responsible consumer and paying an excessive interest rate does not reflect the exceptional credit rating I have maintained since establishing credit over twenty-five years ago. American Express does not have a legitimate reason for this excessive rate increase, but a business reason to charge an excessive rate, greed/profit. Please stop American Express from this illegal action. I have been reading other complaints of this nature and the settlement paid by American Express to consumers for illegal business practices, which they clearly are still at it. I had to review my credit file when I did not want to view it at this time, I want to be appropriately compensated for this inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Sir/Madam, I hope this letter finds you in good health. I am writing to bring an urgent matter to your attention regarding my consumer report. XXXX and XXXXXXXX XXXX XXXXXXXX XXXX both third-party vendors, have reported a bankruptcy on my consumer report without providing any validation of the bankruptcy in question. 

Having noticed this bankruptcy claim on my report, I took immediate action and contacted the bankruptcy court for confirmation. The court clarified that they do not provide any bankruptcy information to third-party vendors. Therefore, it appears that XXXX and XXXXXXXX XXXX XXXX have not only inaccurately reported a bankruptcy on my consumer report but have also failed to verify this information from a reliable source prior to reporting. 

Furthermore, it is my understanding that the Fair Credit Reporting Act ( FCRA ) requires that all information reported about a consumer must be accurate, and I have the right to dispute any inaccurate information. Therefore, I formally request that the CFPB investigate this matter and ensure the removal of this inaccurate bankruptcy claim from my consumer report. 

Moreover, I have not granted permission to XXXX or XXXXXXXX XXXX XXXXXXXX to share or release my personal information. Their actions are a clear violation of my rights under the FCRA, which guarantees my right to privacy and control over my personal and financial data. 

I kindly request your immediate attention to this matter. I believe that the CFPB, with its mandate to protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law, is best positioned to help me resolve this issue. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this issue. 

Sincerely, 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 2023-05-18
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was offered a XXXX XXXX, marketed to me as a " student loan '', to participate in a Software Engineering Intensive course at XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. XXXX was acquired by XXXX XXXX XXXX, who then shut down the program effective XX/XX/XXXX, a week after I finished the program. 

I struggled to find work making the income I needed to make to pay off this loan in the terms I agreed to before entering this program. Because the program was dismantled promptly after my completion of the program, I did not have access to any of the resources I was promised when taking the XXXX XXXX to pay for the program. 

As a result of XXXX, I was allowed to put off this debt through the emergency measures put in place. But now the monthly payments of the loan would be about 65 % of my monthly average income. 

I learned after completing the program, that the XXXX XXXX I took to pay for the program is not a student loan backed by the Dept. of Education, it is a private consumer loan debt. 

I have attempted several times over the last 3 years to negotiate reasonable repayment options with Aspire Servicing Center, the lender that services the XXXX XXXX that financed the XXXX XXXX program. Aspire has refused to negotiate reasonable repayment, and has told me that refinancing with a bank or defaulting are my only two options for repayment. 

Aspire has refused to provide me with any information regarding default proceedings prior to defaulting on the loan in 80 days, if I do not pay the balance of {$2000.00} to avoid default. 

Aspire also services two of my federally backed student loans from XXXX. They have offered an income based repayment plan for those two loans. I am currently completing the paperwork for the XXXX. 

Because the brick-and-mortar school was dismantled, the program 's website is no longer available. Their twitter is still public, as of the submission of this report : https : XXXX XXXX 

I have not been able to seek resolution from XXXX XXXX XXXX. 

I am currently seeking out legal aid to settle the debt of {$24000.00} with Aspire Servicing Center for the XXXX XXXX used to attend the XXXX XXXX program.

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 2018-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Other problem getting your report or credit score

Complaint:
Please take a moment to review my complaint. I received a report from XXXX XXXX reference to my credit score this past week which showed a severe plunge on my credit score.. Transunion reflected a drop of ( 30 points ) from XXXX to XXXX  and XXXX reflected a dorp of ( 13 points ) from XXXX  to XXXX. This is totally unacceptable!!!! The credit bureau agencies reported that it was due to a XXXX credit card which ends in XXXX, that allegedly dropped the limits from {$300000.00} to {$30000.00}, so it negatively showed higher utilization which in fact is erroneous. My credit limit for this XXXX  credit card ending in XXXX, has been at {$30000.00} for over a year or even longer.. I truly don't understand how all of a sudden, there is such a drastic and significant drop in credit score considering that nothing has changed not even my credit limit or utilization, etc.. My score has always been very high. As you can see, I take pride in how I've always paid and handled my credit, therefore, I ask that you please assist me in resolving this issue with all three credit bureau companies,, Transunion, XXXX and XXXX, so that my credit score can be restored back to how it always was. Upon review of my complaint, I ask that you please contact me at your earliest convenience. 
My name is XXXX XXXX XXXX, my phone number XXXX and my email address is XXXX. 
Thank you so much, I remain.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-07-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-11-13
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S, C 1681 section 602 A. States I have right to privacy, 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: V and H Portfolio
State: TX
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:
VANCE AND HUFFMAN LLC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$5800.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Regardless of my previous request, the three credit bureaus neglect to fixed my credit accounts. With this situation, I want you to assist me in correcting the accounts immediately. It has come to my attention that the three credit bureaus have unlawfully disclosed my personal and private information to unauthorized third parties. I demand an immediate investigation into these violations based of the FCRA Section 605b. The following items should be corrected immediately 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 2023-11-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear sir, I would like to file the complaint and dispute my credit report, which issued by your company, Experian, and sent to my email address, XXXX, on XX/XX/XXXX of 2023. My report number is XXXX. There are three parts which need to be disputed. 

1. Personal Information : Name ( s ) Associated with My Credit. 
XXXX XXXX XXXX ( XXXX ) There are two names listed. I want to dispute one of them, XXXX XXXX XXXX. My legal name in XXXX and the United States is XXXX XXXX. I do not have any middle name in legal status. My husband family name is XXXX. Since I have decided to keep my XXXX family name as a legal family name, I do not use it for any legal issues ; even though I might have used it for some shopping reward cards. If possible, somebody might have tried to add my mothers maiden name XXXX as my maiden/middle name ; however, I do not use it since it does not relate with me at all legally. 

XXXX. Address ( es ) associated with my card. 
XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Multifamily XXXX XXXX have never lived XXXX XXXX XXXX XXXX Since I have lived XXXX XXXX XXXX XXXX XXXX XXXX, I know this questioned address should be situated in the same apartment complex, XXXX XXXX in XXXX XXXX. However, this apartment complex has XXXX apartments for each number ; therefore, only XXXX without A, B, C, and D is suspicious. And I am not sure why our apartment compartment is called multifamily, even though each apartment can have XXXX, XXXX, or XXXX depending on the numbers of bedroom ( s ).

3. Other personal information associated with my card. 
XXXX My spouse has legal name XXXX XXXX. Since our family names are different, it might be better to mention his family name.

4. My Personal Statement on the report.

ID SECURITY ALERT/ACTIVE DUTY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. I AM CURRENTLY ON ACTIVE MILITARY DUTY, DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT. THIS ALERT WILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX. 
As I am not on active military duty, I can not understand the content of this personal statement. I have received the notification of FTC Identity Theft report ( XXXX ). Also, I can not understand what without my consent to fraudulently obtain goods or services. At all, since I do not know clearly what were obtained through the fraudulent and illegal activities regarding my identity. 


Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: GA
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:
The credit bureaus have not notified me of their method of validation. I tried calling the company but I cant get a resolution. I have sent letters to the credit bureaus trying to dispute this issue on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but I cant get this issue off my credit report and I havent been provided with the method of verification. Please delete this from my report because the account can not be validated.

Company response to consumer: Closed with explanation