BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-10
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have XXXX XXXX from Synchrony Bank since XXXX. I did not use the card at all in the last year, as I did not go for shopping because of pandemic. When I used the card the year before, I always paid all of my debt on time. 
In XXXX, bank reduced my credit limit less than half, without any pre-information. I understand that they have the right to change the credit limit based on my credit score and payment information. However, I do not have any debt to this credit card, to any credit cards, and I have " excellent '' credit score.

I used to have " excellent '' credit score. This all of a sudden reduction of the limit reduced my credit score 31 points! A significant reduction! I am in the process for buying a car and such reduction on my credit score will not be helpful. 
When I sent and email to the bank to inquire the reason of the reduction, a generic email is sent to me saying that they can reduce based on my payment history and credit score. But, both are not applicable to my situation. When I called them, they told me because I have not been using my credit card for a year! This has not been written on any part of the statement that I have to use my credit card! Ridiculous! They also told me that they could increase my credit limit if I ensure them that I will use my card! Is not it a thread? If I will not use my credit card they will keep my limit low and therefore my credit score will go low. 
As I said, because I am in the process of buying a car, I had to ensure them that I will use my credit card and they increased my credit limit to {$5000.00}, immediately. But, I also ensured them that I will complain about this, which I am doing now. 

If this is a common practice, I would be very happy to be informed. If this is not, then, I believe you will handle such misbehavior of the financial company.

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 2019-03-22
Company: EQUIFAX, INC.
State: TN
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:
Equifax continues to report information on my credit report that is not accurate. 

There is {$1100.00} debt on my report that is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, Transunion ; Listen, it's impossible that you continue to report this account with multiple inaccuracies on payment history from XX/XX/XXXX to XX/XX/XXXX for 30 days late every month. Impossible that you can honestly say that you verified. I've contacted everyone and done several types of research, as I was NEVER late during those times, and you simply replied that it's " accurate & verified '', and that means that you breach my privacy under the provisions of FCRA. It's impossible that different credit reporting agencies report different dates of being late. It's so inconsistent on the way it's reporting! Again, I was shocked when I reviewed my credit report today and found those late payment remarks on 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 explanation
Consumer complaint received 2019-07-05
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received calls almost daily for 2 months about a person I don't know. About two years ago they also called me about this person. They provided name of a person not known to me. I spoke them about two years ago and told them this information. They stopped calling for a while and are now calling again. 
This time it is robo calling. The message hesitates and never states why they are calling, just call them. 
Why should I call? 
I don't owe anyone for anything. The person they are calling about does not live here. I have no idea if they exist, where they live or phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge of the fraudulent XXXX XXXX appeared on my Experian credit report. FTC ID Theft Report # 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 2023-09-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 explanation
Consumer complaint received 2023-08-24
Company: Ability Recovery Services, LLC
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection agency has been harassing me since XX/XX/XXXX. This debt was expunged from record by XXXX in XX/XX/XXXX. 
Same agency sends more notices but under different agency name, same phone numbers on letter. I called several time. They told me to send them copy of my insurance card that I have had since XXXX. I have XXXX and XXXX XXXXXXXX. I sent this to them by email. 
I have requested medical records from hospital and have never received my records. Requested in beginning of XXXX and called several times to follow up and see where are my medical records from XXXX for this bill they say I owe. Have received nothing by USPS. Nothing!!!! 
XXXX expunged this in XXXX. Completely removed! 
Now it is listed on my report again that I owe {$830.00}. 
XXXX ) Sent them collection agency XXXX card. 
XXXX ) Requested medical records by emailing and calling and spoke to person. Nothing has been received at all. 
XXXX ) I do not even know what I am being billed for since I have not received complete medical records from hospital. My insurance info was sent to collections. I do not owe this bec I have received nothing from hospital!!!! 
This fake debt was removed by XXXX in 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 2021-11-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: NV
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:
For the last few months I have been disputing this account ( XXXX ), Which i noticed the reporting upon checking my Credit. Back in XXXX when i became aware, this account was reporting as a Charge-off and was sold to XXXX XXXX. Also, it was reporting twice on my profile with multiple inconsistence 's. The accounts were also appearing as open after it was charged-off and had different balances reflecting on all three credit bureaus. Every time i sent a dispute, the accounts would come back verified and the " DATE REPORTED '' would come back re-aged as recent which would knock my credit several points and it is also illegal. I pulled my Credit report as of ( XX/XX/22 ) and notice that now XXXX is reporting XXXX different times and show a status of open on some bureaus and closed on another. Its hindering me from establishing Credit so that I can purchase my home. I ask that the Credit bureaus alongside XXXX be held responsible far as making correction to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
payment never late. remove this innacurate information, it is not reporting correctly across all bureaus. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX TransUnion XXXX Last Updated XXXX XXXX XXXX XXXX Payment Status Not more than two payments past due Account delinquent 60 days past due date Worst Delinquency 30 days past due 60 days delinquent Balance {$19000.00} {$19000.00} Credit Limit 2-YEAR PAYMENT HISTORY

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 2023-08-08
Company: Experian Information Solutions Inc.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXl [ XXXX ] [ XXXX ] [ XX/XX/2023 ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Request for Assistance in Enforcing Identity Theft Reimbursement from Experian Credit Bureau Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek your assistance in enforcing my claim for identity theft reimbursement from Experian Credit Bureau. I believe I have been a victim of a severe case of identity fraud that has caused significant financial and emotional distress, and I am seeking reimbursement in the amount of {$500000.00} to address the damages incurred. 

I have been a diligent consumer, actively monitoring my credit profile to ensure the security of my personal and financial information. However, despite my best efforts, I recently discovered that my account has been compromised by fraudsters who conducted unauthorized transactions and activities, resulting in substantial financial losses. 

I have diligently followed the procedures outlined by Experian Credit Bureau for reporting the identity theft and have submitted all necessary documentation and evidence to support my claim. However, I have encountered challenges in receiving a timely and adequate response from Experian regarding the reimbursement of the damages suffered. 

Given the magnitude of the financial losses and the distress this incident has caused, I am turning to the Consumer Financial Protection Bureau to request your intervention and assistance. I kindly ask that you use your authority and influence to ensure that Experian Credit Bureau thoroughly investigates my case and provides me with the appropriate reimbursement of {$500000.00}, as I believe this is a fair and just compensation for the damages I have incurred. 

I have enclosed copies of the documentation I have submitted to Experian as evidence of the identity theft and the financial losses I have experienced. I trust that your expertise and commitment to consumer protection will help expedite the resolution of this matter and bring a swift and satisfactory conclusion to my claim. 

Thank you for your attention to this urgent matter. I eagerly anticipate your intervention and any support you can provide in enforcing my claim for reimbursement. Please feel free to contact me via email or phone if you require any additional information or details. 

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 explanation
Consumer complaint received 2021-03-10
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: Problem with personal statement of dispute

Complaint:
After speaking with collection mgr at XXXX, I continued to believe this is unfair practice for which the company does not have an implemented policy in place that would address what happens in a global crisis to consumers credit itemsthings arent as usual but it seems XXXX has no answer as to what to do when a crisis arises, other than lets do what we would usually do. Although living under a pandemic is unusual to say the least. This is unfortunate!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: EQUIFAX, INC.
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:
CRA VIOLATION NO KNOWLEDGE INACCURATE COLLECTION ACCOUNT FROM XXXX XXXX XXXX/ XXXX  XXXX XXXX AMOUNT FOR {$700.00} APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This does not perfectly fit your choices. What happened is the credit card bank took money from my account at another bank without authorization. When I brought to their attention, they said I would get the money back in 2 or 3 days. 7 days later I called and they said that they take more time even when it is their mistake -- which they have not challenged. 

It is now nine days since they took {$4500.00} without authorization and have refused to refund it in a timely manner ( or pay any interest on the funds ).

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 2023-08-08
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 explanation
Consumer complaint received 2021-07-31
Company: Global Lending Services LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Global Lending Services is accusing of me being in default on my car loan. I have not missed a payment this year. During XXXX, I asked Global Lending Services to work with me for a payment reduction and for an interest rate reduction but they refused because they said I signed a contract for the current interest rate. 

I have tried to get another loan but because of the interest rate the vehicle is upside down. They have harassed me for late fees. My due date is on the XXXX of every month and I have made my payments. They do not respond to my request or concerns. I also asked them for time for me to research my payments from the bank. They are threatening me that the last day for me to pay the past due amount of {$1900.00} is on XX/XX/XXXX. I have been sick and unable to respond to a letter that I received a couple of days ago dated XX/XX/XXXX. I visited my bank a week ago and asked for payment verifications. I am continuing to reconcile payments since XXXX and it is taking me longer than expected. 

When I purchased the vehicle the dealership informed me that I would be able to refinance the loan but Global Lending Service has denied that was ever an option once the contract was signed. 

Since my experience, I have researched and reviewed comments online about GLS. XXXX  : XXXX. 

This is very upsetting. 

Were my payments processed and not applied to my account? Were my payments lost? There is a refusal to acknowledge that the payments have come in on time. 

https : XXXX I have made all of my payments on their website this year and have not missed a payment. I don't know what the problem is. GLS is threatening to charge me for the value of the vehicle due to the high interest rate of the loan. How many consumers GLS done this to?

This is not fair to me and is a violation of my consumer rights. I purchased this vehicle in XXXX and have been in communication with GLS almost everyday because they call me everyday. 

Why they are harassing and threatening me is a violation of my civil rights ; has caused me undue stress and harm. Is this a common practice with GLS?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX my account was charged XXXX $ for flight reservations. It was not me as I dont fly because of XXXX and never will fly. I called my bank and said it wasnt me and that fraud has been commited and since then they have done nothing but tell me to file a complaint against them if I feel this way and file a claim that the charge is fraud and it wasnt me. Its been 5 days and they have done nothing. This is for a small business account and my business has been ruined because i was unable to perform work that I was paid for as the money in my account is gone and again BOA has done nothing and I have expressed to them that I feel they have an employee thats helping someone outside BOA to commit fraud on my account and BOA is aware of it and trying to hide it or conseal it. I have filed an Ic3 complaint also. I have no idea what else to do, this has ruined my business and my holidays and ruined my faith in my country, its business practice and any and all kind of enforcement is doing nothing I feel. I see why businesses in america are going under and why people are ending up homeless which is what may happen to me. Sad thing is, no one cares whatsoever. All I can do is rely on this complaint and honestly? Do not think anything will be done and Im ruined. Also being honest, XXXX  really is the best way because of not wanting to face the negative expects of everyone sitting on their hands doing nothing the way they have for others. Figured I would make an attempt with no expectations being i have no faith in anything American or America in its name. This country and its institutions does not protect the small guy. I am seeing the proof of this. Disappointment in USA.

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