BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-05
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: Problem with personal statement of dispute

Complaint:
I had a credit card account with XXXX XXXX bank. The balance was {$.00} and was so for several years. I received a call in mid-XXXX 2019 from them. They informed me I had a balance due of {$79.00}. It was their annual renewal fee. I told them I did not want to renew and to close the account. They did not do then they reported to the credit agencies my account as late in XXXX, XXXX, XXXX. I contacted them again to resolve the situation. I was told they closed the account and removed the negative reports from my credit. 

This has not happened and they continue to report inaccurate info 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 non-monetary relief
Consumer complaint received 2018-09-13
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In early XXXX, I called the bank to request an increase on my existing {$300.00} limit U.S Bank credit card that I have managed well since 2012. I had very good credit in which I have been building for many years. 
I requested a {$1200.00} increase through a phone conversation with US Bank Customer Service Employee, which would make my available line of credit {$1500.00} total. About a week later, I received a denial letter from the bank for my credit line increase request. 
Each month when I would go into the bank, to pay the balance on my {$300.00} limit US Bank credit card, the bank teller would inform me I wasn't earning any reward points on my existing card. So, a few weeks after I got the denial letter when I visited the local branch, like usual, the teller informed me that I wasn't earning points. So I said, Okay how do I go ahead and get enrolled in points? ( Thinking I might as well get something out of my card if I am going to use it ) So that day, I believed I had been enrolled in getting points. A few weeks later, I went online to select my categories in order to earn a certain percentage back on each purchase. Only to discover that I had two available lines of credit open. One was my {$300.00} card and another was for {$6500.00}! Outside of my own knowledge, the US Bank employee had me sign on the electronic signature box for what I was explained to be credit card points, but turned out to be a credit card. When I set up a meeting with the branch manager, she was unable to do anything about the situation and could not explain to me how I was denied a {$1200.00} increase, but approved {$6500.00} on a new line only weeks later. I was told, by the US Bank branch manager, that US Bank employee received commission from me signing for the credit card that day. The manager informed me the teller signed me up for one of my pre-qualified offers. However, no offer was discussed with me that day, which also goes to show I did not know what I was signing up for. My best guess would be that with my good credit and standing with the bank that I had many offers and he picked the highest one without discussing them with me. The bank manager was unable to answer if I had other offers available and the only explanation was she felt that was the best one. However, it has a very high interest rate and I believe the line of credit is too high and put a huge ding on my credit score. It is just unfortunate that a commission driven employee is able to get away with a scam on a loyal US Bank customer.

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 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had a credit card account with XXXX XXXX bank. The balance was {$.00} and was so for several years. I received a call in mid-XXXX 2019 from them. They informed me I had a balance due of {$79.00}. It was their annual renewal fee. I told them I did not want to renew and to close the account. They did not do then they reported to the credit agencies my account as late in XXXX, XXXX, XXXX. I contacted them again to resolve the situation. I was told they closed the account and removed the negative reports from my credit. 

This has not happened and they continue to report inaccurate info 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 2021-06-09
Company: Allied International Credit Corp., (US)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reference # XXXX Creditor XXXX XXXX XXXX XXXX ( Allied International Credit Corp ) Called many times to remove.

Letter is dated XX/XX/2021 No answer and no call backs!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act 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 2022-10-28
Company: Experian Information Solutions 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 am complaining to the CFPB that XXXX is retaliating against me for filing disputes against them for being dishonest and lying with regards to several disputes against XXXX and XXXX XXXX XXXX, and proved that XXXX had lied when they claim to have investigated these validation disputes regarding two medical bills being reported by XXXX XXXX XXXX, where they admitted they never had validation for years and all three credit Bureaus lied when they said they investigated. If they had of investigated the disputes they would of found there was no validation info available until two months ago when XXXX  sent me a medical statement violating my HIPPA protection and have lied to the CFPB. 

XXXX are now retaliating against me and making my score low and leaving inquiries I have no connector with on my credit report and has systematically refused to remove inquiries off my credit report even after me providing the identity theft report and a police report. 

Retaliation. Please notify law enforcement. 

Someone tried to sabotage my credit report and none of these accounts have nothing to do with any of my accounts the XXXX which I verified. 

I have also placed fraud alerts as required, have followed all procedures, and I want an investigation into their failure to follow procedures. 

Again, per there request I have submitted an identify theft report and police report almost 4 times now to XXXX on inquiries that I did not create or consent to. They are not affiliated with any account that I began using after this date of each individual inquiry that was provided to them specifically for those inquiries as listed on the identity theft report. XXXX refuses to remove those inquiries provided to them months ago - that I once again, did not create or consent to. XXXX needs obey the law and remove these inquiries immediately as provided to them in the government documents.

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 2018-09-04
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a credit freeze for myself and my wife through Experian and the other 2 major bureaus XX/XX/2017. In a review to ensure my freeze is still valid, I tried logging into each bureau. Experian does not recognize me or my spouse. I have tried for 2 days to contact them via phone, which you can not get a human to answer and social media. No response. The login information I have recorded is correct. I paid {$10.00} per person and now have no idea if a freeze is in place or not.

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 2022-03-04
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: Problem with personal statement of dispute

Complaint:
Good day, I submitted to the credit reporting agencies an agreement that myself and NY child support came to in leu of cashing and crediting the latest payment to my child support account. In the documentation, I asked that this account be removed from my credit report in it's entirety from all the credit bureaus as I've had several problems with the agency. 

One problem in particular I've had with the agency in the past is, I personally made a modification for a larger child support payment with the courts. The courts adjusted the amount of child support to come out of my paychecks at my place of employment. The correct amounts were taken out of the checks but were not being credited to the child support account as a full payment. It was reporting as an overpayment as the child support office did not enter the new order in their system correctly. 

This resulted in them issuing me an overpayment check. They actually issued me XXXX overpayment checks in this situation. For them to come back later and say that they made a mistake in entering the order and they need the money back. 

I feel that this account and it's payment history doesn't reflect me as a consumer and The agreement that myself and the child support office came up with, this account was supposed to be removed from my credit reports all together. Enclosed is a copy of the cancelled checks with the written agreements on the check.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information 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 2022-10-28
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This company has rush people. 
i call paypal for get help about my limitation XXXX that was request to me send information. 
After 1 hour i received another email about my account was limited permanent again. 

But how they decided to permanent my account if i didnt sent the document for review. 

It looks like they just want keep the money. 

i feel really fustrated with this company. They system act just like hold the money to the customer. 

my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
24 calls so far for the month of XXXX. Have ask them to stop calling. They sent an email saying they didn't have an account in my name but, removed my number from their system? How do you have my number in your system, if you don't have an account for me? Have contacted an attorney about this and will move forward with legal action if this doesn't stop. Have all recorders of all the calls I have received for the last year. XXXX is the number that keeps calling me daily.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Hello, This is the second complaint I have opened. 

Shortly after my first complaint was closed, with an unsatisfactory resolution ( XXXX ) XXXX XXXX reopened a credit line without my permission. The account was closed in XXXX of last year and the company is now incorrectly reporting the account as open. 

XXXX XXXX is now engaging in malicious, and predatory practices against me in its servicing of debt that it previously stated, *on a recorded line* was resolved and that the account was closed Im asking for help from the CFPB to investigate this matter and bring a resolution. 

XXXX XXXX is currently under investigation for it practices in its credit card business, beginning in mid XXXX and that investigation has now expanded in XXXX. 

I believe my case to be solid proof of the mishandling of a credit card account and

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 2022-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/2022 My car was repossessed. When I attempted to contact the original company the car was purchased through I was told the rest of my debt was sold to Recovery Associates, a debt collection company. I contacted the new company and was given a different name ( PRA receivables management LLC. ) they refused to give an address and directed me to a manager XXXX XXXX XXXX when asked about said information. I was forced to give my social security number, name, and address in order to find out the amount owed. The first representative XXXX quoted {$29000.00}. Instantly I asked to dispute the amount and was told that I should receive a debt validation letter within 30 days. The problem with that is my car is in possession of a tow company that wont release the car until its okd by this debt collection agency and its at risk of being auction within 10 days. XXXX then put me on hold until the phone hung up and I didnt get a call even though I was told that if the call disconnects I would receive a call back. 

I called the company back again and was connected to XXXX who directed me to the manager because I asked for the companies name and address. Once connected to the manager ( XXXX ) I was forced to give my personal information again and was quoted a new number for my debt which was {$29000.00}. I asked her how long does it take for the debt validation letter to come in the mail and was told 10 days. I had more questions in correlation to the tow company and how long my vehicle would be held before being transported around or forced into auction. Before I could finish my questions I was threatened by the manager and was told that my vehicle could be moved to auction whenever she wants. At that moment I chose to end the conversation to get questions on if this is legal or not. 

If there is a debt owed I wasnt contacted at all by mail or phone by this debt collection company. I fear that my vehicle has been taken illegally by a company that I have not signed a contract with or agreed to the supposed debt and it will be auctioned off in an attempt to collect on something not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: Premier Auto Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I financed a vehicle through Premier Auto Credit and paid off the full loan. After requesting information regarding the title, I was informed by XXXX, the customer service agent, that I would be reimbursed. However, despite waiting XXXX weeks, I did not receive anything in the mail. When I called again, XXXX suggested I pick up the check but notify them in advance. I complied and provided all the requested documentation, even overpaying on the loan. However, they now refuse to reimburse me, citing a lack of proof of insurance. I submitted the required documentation to the indicated email address, but XXXX, the supervisor/manager, informed me that the email was no longer valid as it wasn't entered into their system, and the person associated with that email is no longer with the company. This should not be my responsibility as a customer, as they should have this information on file. Unfortunately, XXXX terminated the call abruptly, stating she couldn't assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello I viewed my credit report and noticed something wrong on XX/XX/XXXX there was an inquiry from XXXX was made on my credit report, therefore, I call Experian and dispute this item and it was open the next day it came back verified, I then called XXXX and explain to then that I never applied for credit so they inquire again on XXXX XXXX, I receive a letter from XXXX tating the request that Experian remove the inquires Experian refuse to remove these inquires. Also, I notice a collection on the credit report as well I Dispute it It came bake verify I have never done business with these people. I sent a Debt Validationation letter asking this company to provide all information of this debt they say owe and they to refuse to provide any original contract with them the company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX. Please help me understand that the credit must provide accurate information.

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 2023-05-03
Company: FORD MOTOR CREDIT CO.
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: Account information incorrect

Complaint:
Ford Motor Co ( FMCC ) initially took charge of an account balance that was left over after the repossession of a former car. A payment agreement was entered in to sometime in XXXX XXXX of XXXX. During that time, no information was reported for the account ; nothing regarding its status, previous payments paid, etc. In XXXX of last year this account was paid in full. FMCC did not update the information to the bureaus in a timely manner, resulting in a credit dispute filed on my end. At that time, FMCC updated the account to show as " Charged Off '' as recently as XX/XX/XXXX. This is inaccurate information. The account was not charged off in XXXX of last yar, and the intentional way in which FMCC reported it has made it look like I have a very recent chargeoff on my credit report, which has caused untold damage in the way of credit card denials and sky-high interest rates offered on auto loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive disputed information on my credit report over 100 times over the last year and 2 months. I have provided a police on XX/XX/XXXX, XXXX ive provided several identity theft reports, and also have provided my credit report from other companies showing the inaccuracies present ob my credit report. 

XXXX XXXX XXXX  Account # : Balance : {$43000.00} ( Identity theft ) This is a personal loan I never agreed to and have no knowledge of it was deposited into a fraudulent account that XXXX XXXX  closed down. Also the company sold the debt to XXXX XXXX XXXX XXXX, even though they provided no evidence the account was mine. Ive requested evidence for 8 months. 

XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$9200.00} This account was paid by my Gap insurance so amount of XXXX is incorrect. the true amount was XXXX. The incorrect amount has been showing on my credit report for 2 years now. even though the account was reported as income as XXXX XXXX XXXXXXXX via a 1099-C and paid through my personal taxes. its still being reported falsely 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 non-monetary relief