BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-12
Company: TD BANK US HOLDING COMPANY
State: FL
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 received a Target credit card within the last six months but never actually used it. My original limit was {$2000.00} and I noticed on my credit report that it was reduced to {$500.00} without notice. I was in the process of buying a home and concerned about my debt utilization so I called Target and requested that the card be canceled. The Target employee explained that it is common practice for Target to reduce credit limits to prevent fraud ( however the reduction of my credit limit could be avoided if I regularly made purchases ). Clearly this is an ploy to get consumers to use their Target card more often. The employee talked me out of canceling and assured me that my original limit would be reinstated. 

In the meanwhile the mortgage company re-ran my credit to secure me a better interest rate. Thankfully my interest rate decreased by 1.25 % because my score improved last month. 

I checked my score report today and found that they did not reinstate my original limit as promised and my credit score decreased by six points subsequently.

Had that happened two weeks ago I would not have secured a better interest rate and Target wouldve cost me thousands of dollars over the life of my mortgage. 

Reducing credit limits to entice people to utilize their Target credit card is deceptive practice at best. It can have a detrimental impact on ones credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a Venmo Account a few years back. I forgot I had the account and get a email reminding me on XX/XX/2021. I went in to check my account but it would not allow me to logon. I contact Venmo and explain I could not log on with my email, phone number or password. My phone number changed because I bought a new phone. Venmo sent different ways to try and get in but nothing worked, I am still locked out of my account. I made a new account and locked out of it and Venmo ask for ID I sent a copy of my social Security Card and Drivers License. I have tried to change the password but it ask for the old phone number to send a code I no longer have my old phone. I have money in my account and I can not retrieve the money. I have tried to wait on Venmo to continue to work with me on my account. Venmo went away and never came back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: OH
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:
Equifax refuses to respond to the statement in my letter that includes consumer law! They have ignored the laws that govern them and have not given any explanation or rebuttal against my findings. 

I need the CFPB to hold Equifax accountable for their negligence! I have accounts and inquiries that are not supposed to be on my credit report and they need to comply with the laws that govern them as stipulated in MY LETTER! 

Otherwise I will have no choice but to involve court!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : MN CHILD SUP Account number : XXXX has violated my rights. Or list of inquiries 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 Any 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I OBTAINED A CREDIT CARD FROM XXXX  XXXX XXXX  BACK IN XXXX OR XX/XX/XXXX, THESE PEOPLE KNEW THAT I WAS ON XXXX XXXX XXXX PAYEMNETS, ANYWAY THEY SENT ME A LETTER DATED ON XX/XX/XXXX STATING THIS DEBT WAS REPORTED CLOSED AND THEY REPORTED TO CREDIT REPORTING AGENCIES AS " CLOSED WITH A XXXX BALANCE '', THEN THEY SOLD THIS ACCOUNT TO A THIRD PARTY VENDOR BY THE NAME OF RESURGENT CAPITAL SERVICES WHO DECIDED TO TAKE UP THIS CLOSED ACCOUNT AND HAS CONSTANTLY HARRASS AND THREATEN ME WITH PENDING LITIGATIONS AS I STATED TO THEM I ONLY RECEIVE XXXX BUT THEY DID NOT LISTEN AND STILL I RECEIVE HARRASSING PHONE CALLS, LETTERS, POSTCARDS AND THE LIKE WITH THREATS OF LEGAL ACTION, I WAS REFERRED TO THE '' HELPS NON-PROFIT LEGAL TEAM '', AND THESE COLLECTION PEOPLE STILL DISREGUARDED THESE PEOPLE 'S ATTEMPTS TO MAKE SURE THEY KNEW I WAS ONLU ON XXXX BENEFITS AND THEY COULD NOT RECEIVE ANY PAYMENTS .THIS CURRENT THIRD PARTY VENDOR ADDRESS IS XXXX XXXX XXXX XXXX XXXX MI XXXX AND ALSO RESURGENT CUSTOMER SERVICE CENTER XXXX XXXX XXXX XXXX XXXX SC XXXX THEIR TELEPHONE NUMBER IS XXXX ( XXXX ) XXXX OR XXXX ( XXXX ) XXXX FAX NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: BARCLAYS BANK DELAWARE
State: MD
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:
This card was LOCKED on XX/XX/21, and has NEVER been unlocked since. 
On XX/XX/21 - 2 pending charges for XXXX/ea appeared from XXXX  XXXX. I called Barclay on XXXX ( XXXX was a holiday ) when the charges were still pending. I was told by the rep that she could see from her side the 1st charge was declined and would fall off. She could not tell at that time if the second charge was or would also declined but stated it should be since the card was locked. She said if the charge went thru to call back and my account would be credited. The first charge did fall off but the second went thru and I called back on XX/XX/21 after it said processed. I was shuffled around from dept to dept as they all passed the buck on whos problem it was and who could issue the credit because " customer service doesn't have that ability. '' WOW- really? I have had a rep, a supervisor and others confirm the card was locked XX/XX/21, that the charge should have been denied and that I would get a credit from Barclay. A supervisor even stated more than once ( on a recorded line ) that this was a Barclay mistake not a merchant mistake. I was told more than once by multiple people I would get a credit for the XXXX. This still has not happened. I was also told I would get a phone call and/or email from the last gentleman who was also supposed to be a supervisor. Nothing to date. I called back in today XX/XX/21 to check on the situation and was put right back into the pass the buck blame game on other departments. 
The entire point of locking a card is so that NO new charges come thru. This was not a recurring or subscription charge that is exempt from the locked status. 
Barclay need to take responsibility for their mistake and issue the credit for {$32.00} and stop trying to give any excuse possible for their glitch, wrong algorithm or whatever caused this mistake on their end. 
I just want them to do what they have repeatedly said they would and issue the credit I am due. Feel free to pull up the recordings from each time I have called.

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 2021-09-17
Company: Navient Solutions, LLC.
State: AL
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:
Navient is stating that I co signed with my mother on a student loan that I did not, all of her loans have been discharged or cleared based on her permanent and totally XXXX. Therefore I should not be held responsible for any of her loans, as I've never co signed with her on any of her student loans. I have faxed in documentation as well as sent documentation to Navient by Certified mail which they are stating they never received yet, based on the tracking information the documents were received by mail. Based on status of fax all documents were received. The account XXXX is on a letter I received on yesterday the XXXX with a loan number of XXXX as being confirmed as accurate. They were not able to locate the account number for the above loan number. I spoke with XXXX  on today with Navient and she stated that they are not showing where they received the fax or letter with all of my information DL, SSC, Disability letter for my mother, hand written letter from my mother, and a typed letter from me. Where is my information? Problem 1, my social security card is out there with my DL information they claim they do not have, 2, the is information is incorrect, 3 it needs to be removed from my XXXX credit report it isn't reporting on any of the other reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: VA
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:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
The following account could not be verified or validated by XXXX XXXX store card. All information including XXXX, XXXX, XXXX and account numbers were provide in the request. 

Although they did respond they failed to satisfy the requested information for validation of the account. 

I am requesting this account be removed immediately from my credit reports. 

The original request is attached as well as the response from the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Failed to respond to my letter properly

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 2023-10-12
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-01-14
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
The XXXX old name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX # ( XXXX ) XXXX My ex wife lived at this apartment and became behind on her rent. She was not evicted nor was I. The apartment was paid the past due rent and she moved out in XXXX of 2015, with all bill paid and current. The property allowed her to pay the rent and accomadting the late payments. There was never an eviction to move. The property recinded the eviction and did not update, that payments where paid and no eviction occured at the property. XXXX County Court XXXX XXXX XXXX XXXX County Justice of the Peace XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). I dont live in XXXX Texas, I live in California and was in the military when this judgment was entered. Under the SCRA she was allowed to move in XX/XX/2015. Theres an amount of {$2600.00} that was already paid to the propert in 2015 for past due rent. There was no eviction. Please contact the property and correct the court records and remove this from XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Lexis Nexis. Case # XXXX XXXX County

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, 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:
Delete all accounts and all account information  3. Hard Inquiries I have disputed and demanded for the deletion of the following inquiries. - XXXX XXXX XXXX  delete this hard inquiry I did not authorize or accept any offer - XXXX XXXX delete this hard inquiry I did not authorize or accept any offer -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX  delete immediately XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  - delete XXXX. Delete and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX  delete t 6. Delete and remove XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX delete XXXX. XXXX XXXX XXXX XXXX  delete account immediately XXXX XXXX XXXX XXXX - delete account immediately - XX/XX/XXXX balance missing - XXXX XXXX balance missing - XXXX XXXX XXXX XXXXXXXX delete account immediately - XX/XX/XXXX balance missing - XXXX XXXX balance missing - XXXX. XXXX XXXX XXXX - delete account immediately - XX/XX/XXXX balance missing - XX/XX/XXXX balance missing - XXXX XXXX XXXX XXXX - delete account immediately - - XX/XX/XXXX balance missing - XX/XX/XXXX balance missing - delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: CREDIT CONCEPTS, INC.
State: WA
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 disputed and contacted this company numerous times and they continue to duplicate report which is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 


Account # XXXX Account # XXXX I have requested numerous times for them to remove the duplicate and update with accurate information. They are very unprofessional and rude every time I call. They are abusing subprime consumers. 

One of their representatives advised me to go back to XXXX. Seriously? 

I am fed up with Credit Concepts and them trying to continue to overcharge me.

Please review my account I have two credit concepts reported on all of my credit reports but only
ever had 1 single account with them. The numbers and amount both dont match. They are ruining my credit by violating the CRA as a form of retaliation!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect personal information on my credit report. Please delete these incorrect personal information from my credit report. 

According to 15 U.S.C 1681 section 602 A. states i have the right to privacy. 

Also according to 15 USC 6802 no financial institution is supposed to share my information to a third party 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. 

15 U.S.C 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

Incorrect Names : XXXX XXXX XXXX XXXX Incorrect numbers : XXXX XXXX XXXX XXXX XXXX Incorrect address : XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX IL XXXX Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # 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 2023-11-01
Company: EQUIFAX, 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:
Delete all accounts and all account information  3. Hard Inquiries I have disputed and demanded for the deletion of the following inquiries. - XXXX XXXX XXXX delete this hard inquiry I did not authorize or accept any offer - XXXX XXXX  delete this hard inquiry I did not authorize or accept any offer -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - delete 5. Delete and remove XXXX XXXX XXXX  / XXXX XXXX XXXX delete t 6. Delete and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX delete XXXX. XXXX XXXX XXXX - delete account immediately XXXX. XXXX XXXX XXXX - delete account immediately - XX/XX/XXXX balance missing - XXXX XXXX balance missing - XXXXXXXX XXXX XXXX XXXX delete account immediately - XX/XX/XXXX balance missing - XXXX XXXX balance missing - XXXX. XXXX XXXX XXXXXXXX - delete account immediately - XX/XX/XXXX balance missing - XX/XX/XXXX balance missing - XXXX XXXX XXXX XXXXXXXX - delete account immediately - - XX/XX/XXXX balance missing - XX/XX/XXXX balance missing - delete

Company response to consumer: Closed with explanation