BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for, and received, a Citi XXXX XXXX AAdvantage credit card earlier this year for use while traveling in XXXX from XXXX. I was fully aware at this time of a high interest rate ( 29.99 % ). The card was approved with a {$10000.00} credit line. I used this card primarily to earn airline miles. Twice during the XXXX, I moved most of the balance to a lower-interest card already in my possession. My intent was always to try to negotiate a lower interest rate with Citi upon my return home, with a demonstrated track record of on time payments. My payments were close to the minimum payment while traveling merely to preserve cash for use on my trip. 

This past week I contacted Citi first by chat and then by telephone to try to negotiate a lower rate. AT NO TIME DID I TELL OR WOULD HAVE TOLD CITI I WAS EXPERIENCING FINANCIAL HARDSHIP. The responses I received twice were that " there is no lower rate available for this product. '' I was not happy and I ended the second call having expressed that sentiment. 

Today, out of the blue, I received an email from Citi telling me that based on a review of my credit history with XXXX that they lowered my credit limit to slightly above my balance. Within the past month I have received two credit limit increases on other cards and my income increased this year. I reviewed my own XXXX report and there is absolutely nothing that should have triggered an automatic credit line decrease. Citi makes it clear in their email that they will not provide further information. 

Given the facts I have stated above, I believe this decision was punitive and based solely on my request for an interest rate decrease. I don't particularly care the limit on my ability to use the card : I had already decided to make it a priority to pay off my residual balance from travel and stop using the card based on their refusal to negotiate the interest rate. It is punitive because it is solely intended to cause a drop in my credit score by negatively altering my debt-to-income ratio. 

Citi is engaging in predatory lending and account review practices and I believe it is high time for this agency and any other relevant agencies to take action. They will not hurt me significantly for now since I have no intention of seeking credit for major purchases or additional travel. I had no intention of publicly complaining about them until they retaliated against me but I will complain loudly and frequently to anyone willing to listen. 

I am attaching the letter I received today and note that the credit line decrease is reflected in my online account. I do not have transcripts of the phone conversations or chat interaction. In both cases, I asked Citi to document my displeasure, but have no idea that they actually complied.

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 2023-08-22
Company: Experian Information Solutions Inc.
State: GA
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 reached out to the XXXX major credit bureaus and stated this : In XX/XX/2015, I was at a party and my purse was stolen that had all of my personal sensitive information such as my ID and social which were stolen. I didn't think someone would actually steal my identity but I've recently check my credit report and saw accounts open and hard inquiries that I did not open and don't belong to me. I have listed them above but here is another one that I was unable to add : XXXX : XXXX XXXX XXXX, Acct : XXXX, Opened : XXXX, Balance : {$470.00}. Inquiries : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Bank 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 explanation
Consumer complaint received 2022-10-05
Company: SECURITY FINANCE CORP
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/22 and XX/XX/22 security finance is showing inquiries which I did not consent to. I have loan with them but did not apply with them again so there should not be any inquiries with that 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 2023-11-08
Company: The Bureaus, Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Today, I am writing this complaint to THE BUREAUS INC regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Todd, Bremer & Lawson, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have XXXX  data that shows the initial XXXX XXXX was disbursed XX/XX/XXXX, when I was in high school. It is impossible for me to owe this debt as I was not enrolled at XXXX until XXXX. I am being charged for a loan that I did not receive funding for ( see attached NSLDS info ) and was not eligible for due to me being under the legal age and still in XXXX, as a XXXX grader. The XXXX XXXX is only available to qualified, college enrollees, not high school students. 

In early XXXX, I received a letter from a collection agency, Todd Bremer & Lawson,  that was sent to me on behalf of the XXXX  XXXX XXXX  at XXXX, regarding a XXXX XXXX that had defaulted. The letter I received from TBL stated I owed a principle amount of {$6300.00} for the original amount of the XXXX XXXX, and that TBL was also seeking over {$2000.00} in collection costs and other fees. In an effort to bring my student account balance in good standing, I submitted a total of {$8.00}, XXXX to TBL to satisfy the debt and associated collection fees. A few weeks after submitting the payment to TBL to satisfy the defaulted XXXX XXXX I had with XXXX, my financial institution determined TBL illegally accessed collection fees and charges that were not lawful, and that were not explicitly included in the original Borrower 's Agreement. I also asked TBL for proof that the XXXX XXXX funds had been deposited in my account because I was a victim of identify theft between the years of XXXX. TBL could not provide substantiated documentation to prove I had actually received the XXXX Loans Funds in my bank account in XXXX. As a result, my financial institution determined I was due {$3900.00} to be refunded to me. I received the funds from the chargeback in XX/XX/XXXX. 

As it stands today, TBL is charging me {$4100.00}, which includes {$960.00} for collection costs due to TBL. 

Again, this loan was initially disbursed in XXXX, when I was not even enrolled at XXXX and I was underage, just XXXX years old, and did not agree to any sort of loan during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: MI
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:
Experian you closed my complaint stating you sent my complaint to the furnisher and you do not owe me {$2000.00} under the Fair Credit Reporting Act that it is against the law because it is your responsibility to make sure furnisher send you correct information. Within 30 days send me your lawyers name and address where I can send lawsuits.

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 2023-07-06
Company: EdFinancial Services
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' EDFINANCIAL SERVICES L Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$4500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Freedom Mortgage Company
State: DE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Freedom Mortgage claims they are unable to give me online access to my account but they make me verify my account everytime I call them. I have no way of managing my account, they deleted it and will not allow me to create a new one. Everytime I call they claim to have been working on the same issue for multiple members for " months ''. I have no access to any of my loan documents, none of my account information and they refuse to fix the issue or allow me to create a new account. I have never missed a payment.

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 2022-08-18
Company: EQUIFAX, INC.
State: MD
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:
Equifax, XXXX XXXX, XXXX, is not authorized to have any of my personal information According to ( .15 USC 1681b permissible purpose of credit report ) The credit reporting agencies were Never given the role to furnish credit reports they assumed the role.According to the fair credit reporting act and I demand that all of my personal information be removed from all three Major consumer reporting agencies to wish this is affecting me financially mentally and physically.I never consent nor Authorizing these credit reporting agencies the right to expose my personal information. I feel totally violated under the ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: GOLDMAN SACHS BANK USA
State: MO
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:
I accidentally made an online bill payment to my GM Card ( Goldman Sachs Bank USA ) for {$6300.00}. This payment should have been to another credit card I use frequently. When I recognized the error I call on XX/XX/XXXX and spoke to a rep who said they would send a refund check. I should receive it in 14 days. I never received the check to my knowledge OR I accidentally threw it away. In either case I never cashed it. I have called MULTIPLE times. No one can help. I am on hold one hour at a time. Many incident reports are opend. No one ever calls. I received a letter dated XX/XX/XXXX that the case has been resolved correctly. I immediately called spoke to a rep in disputes who said another check would be cut and sent and received in 5 business days. When it didn't come I called again and was told they don't know what to do. It was suggested they create another incident report. When I said please no they said they would create a L2 report (? ) and someone would contact me. Please help. I just need someone to see the check wasn't cashed stop payment on the old and issue a new one. No one at GM can help. I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Resurgent Capital Services L.P.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Upon a review of my credit report I noticed an entry for credit on bank for a credit card that i never applied for, This is a clear case of identity theft in the amount of XXXX dollars, I never applied for an account yet XXXX XXXX XXXX  allowed someone to steal my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: OH
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXXXXXX XXXX XXXXXXXX Balance Owed : {$16000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$140.00}XXXX XXXX Inquired on XX/XX/2023.

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 2020-09-29
Company: Receivable Solutions, 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2019 I began repairing my credit while doing so I found many inaccurate accounts listed from XXXX XXXX. I contacted all three credit bureaus to dispute the items that were listed that had been sent to Receivable Solutions and Receivable Management, the item came back verified from XXXX  which I new was correct I then reached back out to XXXX XXXX to have them send me over proof that the items were mine which resulted in them finding that the accounts in fact did not belong to me. I contacted the collection agency to request that the items be removed and nothing has happened. I have also contacted XXXX  to have several disputes done and again nothing has been removed. I have been denied credit due to these situation and would like to have it corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Well Fargo charged my account in over draft so much I closed the account. I like to know can I get compensation for these zealous actions.

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 2023-08-19
Company: Experian Information Solutions Inc.
State: VT
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:
on XX/XX/23 I filed a complaint with the credit reporting agency about my personal information being incorrect. As of XX/XX/23 the information hasn't been corrected.

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 2022-08-18
Company: Experian Information Solutions Inc.
State: PA
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:
All these things on my report was falsely used and without my consent there's also inquiries that I have no knowledge of I want that that stuff removed bills inquiries everything

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
All these things on my report was falsely used and without my consent there's also inquiries that I have no knowledge of I want that that stuff removed bills inquiries everything

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 2018-03-27
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was attending XXXX XXXX XXXX with a personal trainer cause me to get tendentious in my elbow because they had me lifting XXXX weight and i should of started at XXXX and worked my way up. my doctor told me they didn't know what there doing because is shouldn't of gotten tendentious that still occasionally hurts to this day. I told them i wanted to end the member ship due to me getting injured and the company person told me no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation