BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-08
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
Good afternoon, I have a credit card from American Express and today I received an email from them stating that they have lowered my credit limit from {$18000.00} to {$7000.00} effective today. I currently have a balance of approximately {$6800.00} dollars. The only reason I put that amount of money on this card was because they had extended this {$18000.00} line of credit to me and I decided to use more than I usually do even though I know they will charge me interest ( these past months I have had to incur in more expenses than normal ). I am however paying off the card off in the following XXXX months ( as was my original plan ). However they informed of this credit limit decrease today without prior warning. Had I known that they would do that I would have never, ever opened a card with them. I opened this card in XX/XX/XXXX and I have never missed a single payment on the card and until recently I had always paid the full amount ( in the past few months however I have been making minimum payments to this card so I could take of other necessities ). Not only did they lower my credit limit which will affect my utilization rating and subsequently lower my XXXX XXXX, which will in turn increase my cost of borrowing should the need arise. Also what happens if with the interest they charge me, my balance goes above the credit limit? I would have to pay additional fees that would not have been charged had my credit limit been unadjusted. Not only that but when I call the customer service line to discuss what happened, they tell me that they had a solution for me which was for me to make a payment of 50 % of what I owed before early XXXX of this year, they would restore my credit to {$18000.00}. 

I truly feel that tactics like these should be illegal ( not to mention just horrible business practices because I will be closing my account as soon as I have finished paying off the balance ). How can a company tell me I have a credit limit of X and then all of a sudden lower that limit to Y without any prior warning whatsoever? What's the point of giving me {$18000.00} credit if in reality as soon as I reach less than half of it they will lower my XXXX XXXX and put me in a precarious position which would plunge me into even more debt should I not bow down to their demands. I can not believe that what they did is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Pendrick Capital Partners Holding, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Beyond upset with how call handling from an agent and lead. Agent hung up on me on the first call, when I called back she threatened to hang up on me. I requested for further escalation. Call was transferred to a " lead '' who was not helpful. I was told a supervisor would get back to me.. call back number was verified for sup to contact me. I was never contacted. The agent was beyond disrespectful. i will continue to escalate my compliant to the higher ups if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 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 2022-11-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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:
Citizens Bank Credit card XX/XX/2016 XX/XX/2016 XX/XX/2016 XX/XX/2016 Late payments on credit card 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : States consumer reporting agencies can not furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: HGREG.com
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was co-signing a car for my son, I was told that my credit wasn't going to be run more than once. I asked them to send the loan application to XXXX XXXX. I specifically asked that my credit not be ran because it was result in hard inquiries on my account lowering my XXXX XXXX. The people at XXXX XXXX assured me this would not be the case. But the following day I saw on my credit karma report XXXX new inquiries from they used to run my credit. I'm upset because I requested this not to happen and now I have tried to file a dispute with XXXX and XXXX. But I am unable to proceed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Kriya Capital, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XXXX, I was down of luck guy in my early XXXX. while I was XXXX XXXX in the XXXX where I came across a business who does spiritual life counselling. Now me being nave guy back then, I was like 'Hmmm this sounds cool maybe ill get this a shot. '' So I called the number on the door and few minutes later a short lady named " XXXX '' came behind the parking lot. " XXXX '' was being too friendly than usual and referring to me as " son. '' I went to her sessions after work and talked about my life thinking she's legit while shelling hundreds and hundreds of dollars for her services thinking I have nothing but the benefit of the doubt with " XXXX ''. Things started getting suspicious slowly but surely. She was relocating from her XXXX office to XXXX and frequently disappearing from XXXX to XXXX XXXX where she has close family very often. In XX/XX/, I've reunited with her where she was pulling that act that she's my mom. I went along with it but things went south fast. She put XXXX XXXX XXXX account under my name thinking she's got the funds to paid for it and it'll help boost my credit score. During XXXX  wasn't good year for me. " XXXX '' kept gaslighting and swindling more money for her services during that time thinking my life will improve. I've became increasingly irritated and realizing this isn't adding up. So around XXXX of XXXX, I started to get collection notices for XXXX XXXX XXXX bill, utility bill, etc. which she didn't pay a dime over. Also " XXXX '' got arrested in XXXX, Wa over another identity crime and haven't heard or seen her since XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30
Company: Strategic Financial Solutions, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
The company is scamming people out of their information by providing false hope to obtain a loan. They tell people they will be funded and never fund the loan. They then take your information, send and sell it to other companies. XXXX is a complete scam. The whole XXXX XXXX XXXX  system is scam. Including XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-10-04
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My husband and I co-signed four student loans with my granddaughter to Sallie Mae, now Navient, in the amount of {$17000.00} with an initial 6 percent interest when my granddaughter began college as an XXXX year old. Now due to multiple interest increases by Sallie Mae and Navient this {$17000.00} loan is now {$32000.00}. Sallie Mae, now Navient have been harassing my daughter, my granddaughter and me for multiple years. They have not worked with us in the repayment of this loan, rather, the interest rises and rises. We need relief. My niece is now in her XXXX  and a XXXX XXXX. Other loans throughout her college years, in addition to this one to Sallie Mae and Navient now over {$60000.00} due to multiple and unfair interest increases. I am XXXX  years of age and my husband is deceased. Navient refused to consolidate the loans after multiple requests. These loans will never be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: NE
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:
I already pay for my charges off with XXXX XXXX  for both my accounts that I was charge off for. They agree to remove it off my account and its still showing up 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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 


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 2023-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX XXXX know as XXXX  comenity capital bank opened a new card on my account with a family member name, who never applied for it. who i never authorized to be on account. 
I called so many times to resolve the issue, i been told lies after lies, with a no minimum effort to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX I uploaded documents referring to my dispute. It never went under investigation. I called in XX/XX/XXXX and spoke to a representative and they couldn't tell me the reason why it wasn't under investigation. They claim they did a proper investigation and what i disputed never should they did one. So how did you do an investigation? I would like supporting documents that you did an investigation. I would like a proper investigation done.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-09-20
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$530.00}

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 2022-09-20
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the Experian Credit Bureau XX/XX/XXXX to delete this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : 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 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries by XXXX XXXX on XX/XX/2017 listed on my credit report and my wife 's credit report. We have no recollection of giving permission for these inquiries.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please remove the fraudulent hard inquiry on my credit report from XXXXXXXX XXXX from XX/XX/2021. Attached is the letter from XXXXXXXX XXXX requesting/approving the removal of the unauthorized hard inquiry.

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 2022-09-20
Company: Experian Information Solutions Inc.
State: IL
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 Bank is violating my consumer rights by reporting inaccurate information to my consumer report without my consent, see attached exhibit

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 2022-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have contacted bank of america numerous times in person at the various branches and by automated phone service numbers regarding my personal bank account. I have had XXXX XXXX XXXX  held and removed from my account without warnings or notices of any type. I wrote bank of america a letter via the usps for copies of the alleged court orders which my home branch stated were the reasons for the missing money in my account. This letter was sent regular mail from the post office of the XXXX XXXX XXXX The letter was sent in XXXX of this year and I never received any information back. I recontacted the branch and informed them on at least 2 occasions. They refused to provide copies of the orders or state reasons for the missing money.

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
Consumer complaint received 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These are not my accounts. Please remove 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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX account number 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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