BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-25
Company: EQUIFAX, INC.
State: MS
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 several months, I have repeatedly asked Equifax Information Services XXXX XXXX, XXXX and XXXX to objectively resolve my credit issues relative to the hard inquiries which shouldve been reported as promotional or soft inquiries. I have reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX and XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX Floor, XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid 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 tried to apply for a credit limit increase on XXXX for my shell credit card. My limit was XXXX dollars. After requesting a limit increase of XXXX so my limit would be XXXX it instead changed my total credit limit to XXXX. This system issue will negatively impact my credit score, which I am trying to keep strong so I can buy a house. Please provide assistance with this as that is an unacceptable programming error in a financial application.

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 2023-10-16
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Letter to Discover Card Customer Service : Discover Financial Services XXXX XXXX XXXX XXXX XXXX Il XXXX Subject : Account Reinstatement Inquiry for Discover Card Dear Discover Card Customer Service, I am writing to express my deep concern and frustration regarding the suspension of my Discover Card account. All my accounts were current and in good standing, and I have not received any valid explanation for this suspension. 
I want to emphasize that withholding my access to my securities constitutes security fraud. As a consumer, I have the right to credit, and this action is a violation of the Consumer Credit Act and the Equal Credit Opportunity Act. Regardless of the reason for revoking my credit line, this decision has had a significantly negative impact on my credit score. 
I kindly request an immediate investigation into this matter and urge you to retract this decision promptly. I expect a thorough explanation for this action, and I anticipate a resolution to this issue without further delay. 
Sincerely, Consumer Credit Act : The Consumer Credit Protection Act ( CCPA ) is a federal law that encompasses several statutes, including the Truth in Lending Act ( TILA ), the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Debt Collection Practices Act ( FDCPA ). These laws protect consumers in various ways, such as ensuring accurate credit reporting, promoting fair lending practices, and regulating debt collection activities. 
Equal Credit Opportunity Act : The Equal Credit Opportunity Act ( ECOA ) is a part of the Consumer Credit Protection Act. It prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ), or because the applicant receives income from any public assistance program. 
I went through a lengthy process of verifying my income providing bank statements etc. which was ultimately denied because I wrote the starting balance incorrectly, instead of clarifying this information my account was closed without notice and refusal to reopen. 
I have called in an attempt to resolve this matter and was denied by a XXXX or XXXX who submitted a complaint on my behalf as Manager was not taking phones calls. 
Violations of these laws can result in civil penalties and fines imposed by regulatory agencies, and individuals who believe their rights under these laws have been violated can file complaints or lawsuits seeking damages. It's important to consult legal counsel or the appropriate regulatory authority for specific and up-to-date information regarding these laws. 
Warm regards, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ca XXXX cc : XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the credit card in full. Then with out knowing they charged me {$2.00} which I had no idea! Which now has turned into {$63.00}! So I need help. Comenity Bank which is for XXXX XXXX XXXX. Thank you XXXX XXXX. XXXX cell.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to file a complaint against XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX, XXXX XXXX, IL XXXX, for violations of the Fair Credit Reporting Act My husband and I purchased a vehicle from XXXX XXXX XXXX, an a partner and or affiliate XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. The term was 44 months. In XX/XX/XXXX, my husband became ill with XXXX and contacted XXXX to voluntarily surrender the vehicle due to financial hardship. XXXX instructed us to return the vehicle to XXXX XXXX XXXX, which we did. XXXX  confirmed they received the vehicle and closed our account on XX/XX/XXXX. 

Despite voluntarily surrendering the vehicle and closing the account, XXXX  reported the account as a " repossession '' on our credit reports in XX/XX/XXXX. When we disputed this with the credit bureaus, XXXX changed the report to " voluntary repossession '' but then re-reported it as " repossession. '' They have failed to provide any documentation validating this debt, as required under the FCRA. 

Most egregiously, in XX/XX/XXXX, XXXX illegally garnished my husband 's wages without any notice or judgment, in violation of debt collection and wage garnishment laws. They then returned a portion of the garnished wages without any explanation. We never received any court documents regarding a judgment for this debt, and court records show no such judgment exists. 

XXXX has violated the following laws : The FCRA, by reporting invalid repossession information, failing to conduct a reasonable investigation of our disputes, and failing to provide documentation validating the debt. 

The FDCPA, by engaging in unfair debt collection practices, failing to provide required disclosures and notices, and illegally garnishing wages without proper legal judgment. 

Other consumer protection laws regarding debt collection and wage garnishment procedures in Illinois. 

We demand that XXXX immediately remove the negative account from my credit report, provide documentation validating this debt, return any illegally garnished wages, and be held accountable for violating the law and harming consumers. Please conduct a full investigation into this complaint and take action against XXXX to stop their unlawful behavior.

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 2023-09-06
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act 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 A collection account status also can not be OPEN. I, as a consumer have rights to 100 % accuracy of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
last year XX/XX/XXXX XX/XX/XXXX, i applied for forbearance knowing that I will not be reported to credit bureaus. I paid early before the said agreement via a lump-sum amount. right after the payment my mortgage company reported me to credit bureaus that i did not pay for the forbearance months. and I was affected by a natural disaster. did not report that i am current after the lump sum amount was paid. I filed a dispute to transunion and clicked the box that says incorrect payment history. on XX/XX/XXXX I got an email that says dispute solved ... I checked on the dispute and still reflects that on XX/XX/XXXX to XX/XX/XXXX that they haven't received reports from the mortgage company and the remark that says I am affected by covid was still there. I called transunion everyweek since the dispute was filed. and their answer on friday ... its because you filed a wrong dispute! I should have said that I want to remove the remark and wants me to file a dispute again and wait for 30 days. Today I did what I was told. but before that, my mortgage company is asking for credit report from transunion since they want to check what was the remark. I can not pull my credit report from transunion since I am on dispute.

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 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Balance : {$160.00} Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) Account Number : XXXX Balance : {$1900.00} Account Name : XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$500.00} Account Name : XXXX XXXX  ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$480.00} Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$1500.00} I am formally filing a complaint against XXXX, XXXX, and TransUnion. I have been disputing these collection accounts with the credit bureaus since XX/XX/XXXX. I also have disputed this directly with the collectors XXXX XXXX and XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX. I was asking these collection companies and credit bureaus to simply validate the reporting of these accounts. I'd like to exercise my rights as a consumer to ask for the validity of the accounts I have mentioned above. I am trying to get approved for credit and I am not able to do so because the number of collection accounts that are reported in my credit report. 

I have not received sufficient documents from both the credit bureaus and third party collectors proving that these collection accounts are valid and 100 % reporting compliant with the reporting regulations as mandated by FCRA and 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 explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: TN
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:
Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX Balance : {$160.00} Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) Account Number : XXXX Balance : {$1900.00} Account Name : XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$500.00} Account Name : XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$480.00} Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$1500.00} I am formally filing a complaint against Equifax, XXXX, and XXXX. I have been disputing these collection accounts with the credit bureaus since XX/XX/XXXX. I also have disputed this directly with the collectors XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I was asking these collection companies and credit bureaus to simply validate the reporting of these accounts. I'd like to exercise my rights as a consumer to ask for the validity of the accounts I have mentioned above. I am trying to get approved for credit and I am not able to do so because the number of collection accounts that are reported in my credit report. 

I have not received sufficient documents from both the credit bureaus and third party collectors proving that these collection accounts are valid and 100 % reporting compliant with the reporting regulations as mandated by FCRA and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX I have a security freeze in place and TransUnion allowed a hard inquiry to be added to my report despite that security freeze. 

There was no attempt made to seek credit at this time and no knowledge that a hard inquiry would occur. 

I am not claiming wrongdoing by XXXX XXXX XXXX. They apparently have an allowed exception to bypass a security freeze without the person unfreezing or providing a one time PIN, but they did not have permission from me to bypass the freeze for a hard pull. 

Contacting TransUnion customer support was no help at all. They gave me a massive run around that I had to get all sorts of documentation that I have no control over producing, which has to be mailed to them, and then eventually they will remove this inquiry that never should have been allowed by them.

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 2023-02-24
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am requesting an update on previous CFPB complaint XXXX. In the company 's response, it was indicated I could call and speak with someone at a number that turned out to be only mailbox access. I emailed the address provided this morning requesting an actual number where a person that can help me can be reached. It is well beyond the 5-7 business days stated in the response to my complaint that it would take to refigure the escrow amount. Ample time has been provided since XXXX when my mortgage was unfortunately assigned to Mr. Cooper, for the company to accurately figure the amount that is rightfully due. We have been stolen from since that time with our inflated mortgage cost due to their escrow departments inability to accurately provide information. Another payment is of course due soon and I would like to pay the amount that is actually owed and not continue to loan a large company money they are not due. Ideally, I would like our mortgage reassigned due to the dishonesty and unfortunate business practices of Mr. Cooper.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I.c. system.inc account XXXX has violation of my consumer privacy I didn't authorize this company to have or share the alleged debt it was reported on all three consumers reporting agencies I would like it removed from all reporting agencies immediately and I would like to receive the fine that they owe me

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 2021-04-02
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX I made a purchase for a toilet from home depot for a toilet totaling {$370.00} including installation and shipping fee. However, the toilet was never delivered. I made XXXX XXXX aware of this and they had started a refund for me. They initiated the refund in XXXX payments, the first for {$130.00} and I received this on XX/XX/XXXX, the second payment was {$170.00} on XXXX XXXX that I never received, and the third was for {$59.00} and I received this on XXXX XXXX. All three receipts are attached. The purchase was made online through my paypal account that is connected to my credit card with XXXX. Since then, I've tried contacting both XXXX and XXXX of which both deny knowing where the money is. They refuse to help me any further and made me liable for a toilet that I've never seen. I'm a struggling student trying to make ends meet and I saved for along time to have enough for this purchase. I now have {$170.00} disappear into thin air because they somehow lost my money through their online process. I wish there was something we as consumers could do to protect ourselves from companies that use these receipts to basically deny us of any claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: R.M. Galicia, 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: Account information incorrect

Complaint:
At the time of my Emergency visit to the hospital I had insurance at the time there should be no reason whats so ever to have a balance owed. This is affecting my my credit real bad and Im suffering because someone isnt doing there job right so I demand this to be taken off my credit report immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
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: Account information incorrect

Complaint:
Yesterday I paid off ALL of my credit card and bank loan accounts. My balance due on all accounts is {$0.00}. Since I paid off my accounts my credit score was lowered from XXXX to XXXX. There is something serious going on with my credit reporting. The credit reporting agencies Experian and XXXX should be investigated by the Federal Trade Commission. This seriously needs to be investigated by U.S. Congress. 

I owe {$0.00} on all credit cards and bank loans and then I receive this email message from Experian today. Our U.S. credit reporting system is definitely broken. I feel this is discrimination against a XXXX retired XXXX XXXX XXXX. 

Like my previous complaint this morning with CFPB I will be forwarding this information to Congressman XXXX XXXX for his review and action. 

Message Received Today Your FICO Score has decreased by XXXX points. 

Your FICO Score has decreased XXXX points to XXXX. Even though your FICO Score went down, your Credit Rating did not so it should not impact your credit worthiness. 
XXXX XXXX Poor Fair Good XXXX - XXXX Very Good Exceptional XXXX XXXX pts FICO score logo Learn more Experian data XX/XX/2023 Compare all 3 credit scores Your credit information can be different across all 3 of the major bureaus. Add your XXXX and XXXX FICO Scores today. 

Why did my score change? 

Why am I receiving this? 

You are receiving this alert because your membership includes FICO Score monitoring with Experian data. We monitor changes to your FICO Score and score rating. These changes could impact your credit worthiness, your ability to get credit and your interest rates.

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 2021-12-26
Company: WELLS FARGO & COMPANY
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received an email from Wells Fargo that they are sending me a new debit card because they believe my current card was susceptible to fraud- this was not a result of my request. On XX/XX/XXXX, I attempted to use my debit card but it had already been hot carded, despite the fact that the email on XX/XX/XXXX said it would take 5-7 calendar days to receive the replacement card. My new card has not been received, nor have I activated it, so I do not believe Wells Fargo should hot card my card, leaving me without access to my funds. 

This measure is taken by Wells Fargo on an annual basis almost. Each time, its a significant disruption to me, not to mention, embarrassing and frustrating having my card declined when I have enough funds in my account.

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