BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I noticed on my credit report alerts from XXXX  that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in two to three weeks. 

Discovery bank card balance shows {$10000.00} with credit limit of {$12000.00}. Authorized user since XX/XX/. i never opened a discovery card this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: NY
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 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX : {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
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:
On XXXX  and XXXX my credit reports, it shows inquries that are not mine, I have mailed disputes to XXXX  and XXXX and XXXX and have contacted XXXX directly. Today i started to put locks on my credit and had to pay for it because I have got no where with this process. The item is showing as XXXX DATE OF XX/XX/XXXX. This is fraud. I have never applied for this. 
I have sent 3 letters and have called with no further investigation done, have been told you cant dispute over the phone so i continue to mail the letters. Today i received an email from XXXX for this creditor stating that the receiced a letter but they are notifying me because they dont think i authorized this letter i then called and was told this is a automatic letter generated and was transferred to a rep to escalate this after i told them i have been disputing thes and its incorrect and fraud. This is my main concern. 

I have also sent these letters to ALL 2 CREDIT AGENCIES- XXXX and XXXX on also the inquiries below, FRAUD AND NOT REMOVED for the following XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I have sent these letters to XXXX on this below and they have no updaetd this fraud reporting on my credit report. : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, TX XXXX I have sent these letters to XXXX on this below and they have no updaetd this fraud reporting on my credit report. 

XXXX XXXX XXXX showing several times on my credit report 3x on XXXX also called XXXX XXXX and they said this shouldve be showing SENT LETTERS TO XXXX FOR " FACTUAL DATA XX/XX/XXXX '' LISTED TWICE THIS IS FRAUD, I never applied for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 590. 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 XXXX 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 XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: LA
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:
XX/XX/ while checking my report I corrected my personal inforamtion with documents like my state ID, and a proof of evidence this information was ignored and re-investigated and updated to no no change at all. The exact same items on credit report and after the re-investigation these accounts remain the same. The companies say they updated after re-investigation but the same inaccuracies remain. There were no re-investigation nor investigation from the start.

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 2021-03-15
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX  and Experian reported a delinquency on an account that was never in arrears ( XXXX ). I contacted the credit Union, and they had no record of a delinquency or late payment. I disputed with both companies, as this caused an over 100 point drop in our credit scores ( we had excellent credit for over 30 years and only one late payment to a credit card out of 25 reported accounts over thirty years ). My credit score has not been fixed, though XXXX has sent all supporting documents to each company. The change occurred in XXXX of 2020 when XXXX credit Union merged with XXXX XXXX XXXX. I disputed with both companies, but there is no return to my previous credit score before they misreported a delinquency. XXXX did not make the same error, and they show us having our excellent rating. We had to cancel a home equity line due to this error as the interest rate would be higher due to the incorrect 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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2021-03-21
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/2021 i received my federal refund in the amount of {$10000.00} I withdrew money in the amount of {$10000.00} between the XXXX and XXXX in increments of XXXX dollars. 
cte On XX/XX/XXXX I received {$750.00} and {$75.00} on my card for payroll from team car care aka my job. 

I used my card in one store XXXX XXXX XX/XX/XXXX in the amount of {$330.00} for a phone and attempted to use it again but it was declined. 

Once again I tried to use my card at an atm the XXXX and today the XXXX to no avail. 

I called customer service Saturday XX/XX/2021 to see as to why my card was declined instore and at the atm. Customer service was rude, not answering my questions, acting very suspicious and giving me many different answers as to why and what was going on. I was also hung up on several times by several customer service reps and managers while trying to get this resolved. 

I am expected another {$1400.00} from stimulus to be deposited on my card sometime this week of XX/XX/2021 through XX/XX/2021. I as well expect another deposit from team car care on XX/XX/2021 in close to the same amount as above. I am also expected another deposit from team car care in the same amount on XX/XX/2021 in the same billing cycle that American express is claiming I can not use my funds on my card as I exceeded my limit on my card. They also XXXX that I can sent the money via ria to someone and I have tried this to no avail. I can not get all the funds off to close the card now and I fear they may close my account with funds on my card as I have seen them to this to others recently in the past 60 days. 

The customer service reps in all gave me in total the excuse of I have a {$750.00} a day atm limit, I have a {$2000.00} a month limit to withdraw money off the card by another customer service rep. I was hung up now in just the past 2 days by roughly 4 customer service reps and 2 supervisors all of which refused to be of any assistance and kept telling me that I have a temporary card. They refused to acknowledge my card is not temporary and that it is a card from XXXX XXXX that I received years ago and it had my name on it. 

I repeated that I was able to in the past years and with my recent withdrawals to pull off XXXX a day and especially from XXXX to XXXX as their card agreement states. They claimed their website did not state this and that I was lying. They stated to me there is nothing they can do in regards to my account so I can pull my money off and close my account to prevent further criminal activity from their company. 

I am informing everyone I know, including making a complaint against this company to prevent anyone else going through this mess as I have been and countless thousands of others on a group I am on that informed me to report the company for what their doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
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: Their investigation did not fix an error on your report

Complaint:
I have personally disputing information on my credit report since XX/XX/XXXX. There have been items where I have specifically asked XXXX, TransUnion, and XXXX to perform an investigation with verifiable results. On the XXXX dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the XXXX dates of XX/XX/XXXX and XX/XX/XXXX, I asked all three credit bureaus to perform these investigations. As of today, those questionable items remain, with nothing in the comments section stating that there is an investigation or reinvestigation. Nothing has been verified and I have received nothing in the mail or electronic correspondence that shows the contrary. I have copies of all letters and they were sent certified mail.

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 2021-03-21
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
To whom it may concern I am writing you now, because I do not know were to turn for help. I have XXXX private loans with Navient, which was originally XXXX XXXX. I received the loan from XXXX back in XXXX. I was under the impression that it was a regular loan. I did not know it was a private loan until I went to consolidate my federal loans and told I could do all, but XXXX. Since XXXX I have been paying Navient, at time even paid extra. for the past 2 year all of my payments even the extra payment have went to interest only. Non of my payments have went towards the principle, so the balance remains the same. My original loan balance for XXXX was XXXX and XXXX. However while in school was being charged interest at a high right. Now the balance of the loans are XXXX and XXXX. I called to see how can I rectify this since I am paying, but nothing is going to the principle. I was told I had to pay if all off at XXXX time. So my payment will continue to go only to interest. I feel like I am trapped. I filed Bankruptcy in XXXX, but found out that the loan are protected. So I still have to pay them. I do not know what else to do. They use to call me all the time, but my Bankruptcy lawyer at the time was able to get them to stop. 
I do n't know were to go from here I can not afford to pay them off as I have other federal loans and a family. So far I 70 % of my original balance in Interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Bridgecrest Acceptance Corporation
State: GA
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:
XXXX XXXX, is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. 

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2021-03-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I settled this account in XX/XX/2018 and on my XXXX and Experian credit reports, this account is showing an open balance of {$1900.00}. I have the settlement letter and my bank statement showing that I paid it. I am trying to get a home loan and this is preventing me as it is showing as open and past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
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 XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX 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 the 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 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I looked over my consumer reports and i did not give consent of these accounts to be furnished on my reports.

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 2023-07-24
Company: JPMORGAN CHASE & CO.
State: SC
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:
Bank has resolved the case and notified on my account as credit issued, but they did a mistake while processing the credit as removed temporary credit accidently they thought it was a double credit by ignoring earlier rebill on XX/XX/2023 ( {$1200.00} ) XX/XX/2023 : XXXX temporary credit XX/XX/2023 : XXXX rebilled after dropping the dispute as per communication, but problem has not been resolved the dispute, so once again it was disputed, so bank again processed temporary credit on XX/XX/2023 : XXXX temporary credit for re-dispute than bank resolved the case in my favor and notified on line credit issued, but while doing that they ignored the rebill on XX/XX/2023 ( XXXX ), then they removed my temporary credit as double credit with XXXX rebill on XX/XX/2023 XX/XX/2023 : XXXX rebilled by ignoring XX/XX/2023. 
Conclusion : Credit twice on XX/XX/2023 ( {$1200.00} ), XX/XX/2023 ( XXXX ) and rebilled twice on XX/XX/2023 ( {$1200.00} ), XX/XX/2023 ( {$1200.00} ). 
Now the bank is saying we have send it back to XXXX and we will not be able to continue because the funds were already returned to the merchant, so contact them, so I contacted merchant, XXXX, but they denied.

Company response to consumer: Closed with monetary relief