BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: Experian Information Solutions 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:
OnXX/XX/XXXX, I sent Experian a followup letter regarding a previous letter fromXX/XX/XXXX andXX/XX/XXXX, regarding an alleged debt collection on my credit report by the company " XXXX XXXX XXXX ' which I have also reached out to with no response on these same exact dates. The company has not responded to my verification letters sent on the the aforementioned dates above. It has now been close to 90 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau Experian note the credit, XXXX XXXX XXXX. They are both in voliation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both Experian and the creditor, XXXX XXXX XXXX, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, Experian and 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 2023-02-01
Company: EQUIFAX, 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: Problem getting your free annual credit report

Complaint:
On XX/XX/2023 I applied for an Annual Credit Report and was denied the report from Equifax. They after I call to get verified and find out way my credit score drop, they proceed to waste my time not allowing me to be verified by their system, then verbal questions by a rude rep., then a supervisor proceed to tell me that I need to send in my license and social security card in order to be verified. All this time of approximately 2 hours was wasted. 

They have been sending me advertisement up until today to take their product and I want. I printed out the last two piece of them trying to get me to sign up for their product. See their copies, of trying to lure me into their product.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021 I was alerted via email by American Express that my credit limit on my AMEX Hilton card had been reduced from {$25000.00} to {$8000.00} which was just above my balance. I was shocked to read the secure message from American Express stating that the adverse action was due to my FICO score being XXXX. I do not have anything negative on my credit reports. I immediately pulled my FICO scores from both XXXX  as well as XXXX. These are true FICO scores. My XXXX  fico score is XXXX. I have attached proof of this to this complaint. I contacted XXXX  and spoke with a supervisor and she also confirmed that there was nothing negative on my credit report. She also stated that XXXX  did not do a soft account review inquiry on XXXX XXXX which is the date American Express states they performed the review that resulted in the credit limit decrease. There is nothing to dispute with XXXX, as the report is 100 percent accurate, including personal information, social security number and address. 

I spoke with multiple reps at American Express and was told that if I paid {$1800.00}, they would restore my Hitlon Amex limit of {$25000.00}. I have no problem with this, however it does not address the issue of American Express stating my credit score is XXXX. 

On XX/XX/XXXX, I used my American Express XXXX XXXX card and immediately received an email from AMEX stating that they had reduced this card from {$35000.00} to {$1000.00}. Of course, the same letter was attached via secure message as with Hilton, referring to the severely inaccurate XXXX FICO score. 
I called a CSR and was told to submit my FICO score via fax and they would consider reinstating my credit limit. 

My concern goes way beyond just restoring my credit limits. I want to know why and how American Express got the false information that my credit score is so low when it is not. The only thing I can think of is that I am an additional cardholder ( authorized user ) on a family member 's AMEX card that has the same last name as mine. I have been an additional card holder for close to 20 years without an issue. This family member is in good standing with AMEX but does have credit issues. They have stated that on THEIR Amex account page, their FICO shows as XXXX. I do not believe this is a coincidence. 
It is my belief that their FICO score was updated to my individual American Express account during an account review of their account. It really is the only explanation. 

I have a job where I have to maintain a good credit score. I take clients to business meeting dinners and would be humiliated to have my credit card declined due to false credit information. I am also preparing to refinance my mortgage. I have been stressed beyond belief and appreciate your help with this. I would like to use my American Express card with confidence again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19
Company: CITIBANK, N.A.
State: NC
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:
Thank you very much for removing the late fees I really do appreciate that but when I called to pay the balance off your supervisor/agent told me to leave the {$150.00} because that was the late fees that was not yet deducted yet so I left it and now I have been charged interest on it. Im not for sure what is going on because he told me it was the late fees and they will be coming off so I didnt have to pay that portion. Can you please fix this for me because obviously he didnt know what he was talking about because I would of paid that when I paid the balance off. Thank you very much for your time. Have a wonderful day and please be safe.

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 2021-06-19
Company: Prince Parker & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received an alert on my XXXX report that I had a new collection account I was very disturbed by this news and immediately opened up my credit report to see what was going on. I see a collection posted from a company called Prince Parker stating I owed a debt I have never heard or done any business with company. Furthermore on my report it stated I opened the account with them XX/XX/2021. So I was really confused this is the first time i hear about this company when they put the negative on my report and then for them to have I opened the account with them in XXXX this is inaccurate not validated information being reported to my credit. I didn't receive any letter in the mail stating I owe them anything or any written letter given me the opportunity to dispute a debt. This is unfair debt practice to place something on a persons credit without having one conversation with them or sending any notification by mail just placing a collection my account without verifying anything. I disputed the account and requested validation and today I received a payment coupon to make a payment. Not a welcome letter introducing themselves or explaining where they come from or any reference stating I have a right to dispute just a payment coupon saying please submit payment. Can you please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Direct Recovery Services, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called at least 6 times from various numbers in XXXX, MN but generally leave the same VM and number to call back. Voice mails are as follows : " Our client has recently give us the responsibility of reaching out to you on your obligation this is an important message from direct recovery services this is a call from a debt collector so please call us back at XXXX it is now Friday, XXXX of XXXX and we're open until XXXX XXXX this evening. Again, this matter is important so please contact me, XXXX XXXX, directly at XXXX. WE do have multiple resolutions that are possible. Do allow me to see if we can resolve the issue. '' ( called from XXXX XX/XX/XXXX @ XXXX ) " This is a confidential message for XXXX XXXX if you are not XXXX XXXX you must hang up now hello this is XXXX XXXX i'm calling to let you know we have a new options available on your matter please understand this is important in fact it's very important but you must respond if you'd like to resolve this today Thursday XX/XX/XXXX and I'll be here in the office until XXXX EST the phone number I can be reached at is XXXX our options are as follows on your balance of {$370.00} a 50 % settlement of {$180.00} a 55 % settlement and three payment to 65 % settlement ant 12 payments of {$20.00} settlements must be set up within the next two days call XXXX we are willing to work with you however we are also obligated to report back to our client. '' ( XXXX XX/XX/XXXX @ XXXX ) There are other voice mails as well : XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX they ask you to go to direct recovery services, which is a spam site of direct recovery

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I went to the Ashley furniture store to look at some furniture for my house. When I went to pay for the furniture I chose, I was offered an Ashley card by synchrony bank. I didn't want to open a new card but as I was told that I would have the advantage of having 1 year of no interest fee I thought it would be the best option. Several credit card companies give you this advantage of not paying an interest fee in the first year, I thought that would be the case with Ashley credit card too. It was not explained or clarified to me that after 1 year, if I still had a balance to pay, I would be charged all the interest fee that had not been charged in 1 year. I was not notified. The process of opening the card was very easy, too easy! 
So, every month I paid a little on the card and after a year I still had a balance to pay. I then thought that I would start paying the interest fee from XXXX but to my surprise I was charged the entire interest fee for 1 year. {$1800.00}, almost {$2000.00}. I was in shock! I've never seen such a misleading promotion. I contacted the bank but they said it was a promotion and that they sent me statements showing that I would be charged. I have not received any correspondence from them in my mail. Their website where I log in to make payments is very bad, it is not informative. I contacted them but they don't offer me any solution, they really want to receive this interest rate. I don't think it's fair since this should have been made clear when we were opening the card. They make it easy for you to open a card with them, it took less than 5 minutes to open and no information was given to me about it. I feel deceived. Why they didnt explain this before? This is a very important think I should had known before I opened a card with them.. thats sad a company as big as synchrony bank need to do this

Company response to consumer: In progress
Consumer complaint received 2021-05-13
Company: Experian Information Solutions Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX a debt of {$1200.00} was placed for collection by the XXXX XXXX for an apartment in XXXX. I was notified via email from Experion of the collection efforts by XXXX XXXX XXXX XXXX. I contacted the collection company and XXXX XXXX in XXXX of the fact that this was not my debt and that I had notified XXXX of the problem. No farther communication from the collection company and XXXX XXXX has been received. I received another email from XXXX that the same debt was placed for collection with XXXX XXXX XXXX in XX/XX/XXXX. I have contacted XXXX again. I have lived in Utah for over 62 years and have never lived in XXXX This is a case of Identity Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This vehicle was returned to the company in 2014 when I was XXXX  by me Ex and unable to drive and has to leave the state. The balance was XXXX for some reason now it was update to XXXX. How do I own more years after returning the vehicle. In addition the vehicle mostly has sold and they have made money off the vehicle and my balance should have decreased not increased. I have been disputing this many times and they only added to my balance.

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 2022-11-22
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my consumer report and I noticed some inaccurate information. As a result, I filed a dispute with Equifax. By law you are required to investigate anything that is furnished on my consumer reports. Can you please tell me what method was used to investigate these inaccurate items and how you came to the conclusion that they are accurate? It was recently proven that Equifax has not properly handled consumer disputes because they do not conduct proper investigations. I submitted a police report with my dispute of the fraudulent information and it still has not been blocked or removed from my consumer file. 

I never consented to this information being furnished and this infringes upon my right to privacy. I am demanding this information be deleted permanently or I will escalate this and hold you liable. 

The following are the inaccuracies on my report : XXXX XXXX Account # XXXX The below listed inquiries are inaccurate and were unauthorized by me. I never gave these creditors authorization for Equifax to furnish my credit 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have a collection that isn't mine that I didn't agree to pay and experian didn't give me any information on it other than that they wouldn't remove it. I only have one collections. My score dropped almost 100 points over ~ {$300.00} fake charge against 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 2023-08-26
Company: LEXISNEXIS
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to LexisNexis, I was involved in a car accident in XXXX. When searching for the incident I found that it was a similarly naked  person with a different policy number and holder that got into the accident. Despite the differences, the other persons accident was applied to me and it has effected my car insurance rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following auto Loan account, student loan accounts, credit card accounts and hard inquiries currently listed on my XXXX XXXX, Experian and XXXX credit report are unauthorized and not my accounts, student loans or hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
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:
I am a natural person, I am a living human being, I have the rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.

I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right and I did not Equifax the written pre mission to furnish these accounts. 

Accounts listed : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: NC
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:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$310.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act, the following accounts has violated my rights. 

1 ) XXXX  XXXX account # XXXX XXXX ) XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX section 602 A. States I have the right to privacy. Please remove these fraudulent accounts.

Company response to consumer: In progress
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: In progress
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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