BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-19
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had two accounts with Barclay US, a Barclays Choice card. Over several years, they raised my limit until the Barclay card had a {$10000.00} limit. Several months ago, my total owed was about {$4500.00} and they suddenly lowered the limit to {$500.00} above the current limit. I then refinanced my home and consolidated bills and the first one I paid was Barclay, at {$4300.00}. That was the total balance listed. When I checked the website today, to my shock i saw a balance of {$84.00}! They charged me that amount in interest AFTER I paid the total amount owed! Is this legal? I know it isn't moral. 

In addition they gave me a new limit ... ..of {$500.00}. I never had a late payment on this or any other card in almost ten years. Instead of thanking me for not being a person who does not pay bills but instead insults me and charges interest on a ghost balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-19
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
1. Date I paid {$1500.00} was XXXX and my credit limit was XXXX 2. Date they lowered my credit limit was XX/XX/XXXX 3. XX/XX/XXXX is the day I was told they would refund me XXXX 4. XX/XX/XXXX letter that notifies me they refunded XXXX not XXXX In XXXX of XXXX an interesting set of facts occurred. 
I had an active Citi Card Double Points credit card account with a XXXX available balance. I have been a good and reliable customer with CITI and made my payments regularly. I have not always paid on the due date but I have not gone over 30 days late within the past several years. 

I mistakenly paid XXXX on XX/XX/XXXX, I meant to pay {$150.00} and somehow missed that I added an extra zero. 
ON the XXXX, CITI lowered my credit line. 
On the XXXX I realized I had made a mistake and asked for a refund of XXXX. I was told by a representative of Citi that they would refund the XXXX. Sometime after the XXXX I received a written letter from CITI dated the XXXX, explaining they had refunded only XXXX, and that since they lowered my credit line to XXXX, they could not refund the remaining {$740.00} because it would exceed my credit line. I find this to be very onerous since the original payment occurred on the XXXX and at that time I had a credit line of XXXX. First, why would they lower my credit line after receiving the XXXX payment. That seems to be an odd reaction. Why can't they refund the portion I overpaid in error. Well, they can they just will not. Can you help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
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: Credit inquiries on your report that you don't recognize

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately. 

XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX There is no reason for these inquiries to be on my report, I have not supplied my ssn for a job, neither a court judgment, no child support cases etc. I have credit monitoring through XXXX and it shows that my information was compromised on the dark web. I would appreciate your help in getting these unrecognized, unauthorized inquiries and fraudulent inquiries off of my 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 2019-07-19
Company: MARINER FINANCE, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Mariner FinanceXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XX/XX/2019 Called XXXX XXXX   XXXX and was told by my office manager that this is a business and that I do not have a personal line and do not call here again. XX/XX/2019 Again they called XXXX XXXX  and was told by a coworker who answered the phone not to call that XXXX is a business line not my personal phone number. XX/XX/2019 called XXXX XXXX XXXX and was again told that it is a business line and not to call here. I have changed all information with them to contact XXXX XXXX XXXX and they continue to call my place of employment and only my place of employment 's phone number.

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 2023-03-14
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: Credit inquiries on your report that you don't recognize

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 : XXXX XXXX Date : XX/XX/2022 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 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 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 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: VW Credit
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: 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 U.S.C. 1681. 

Company name : XXXX. Account number : XXXX Company name : XXXX XXXX XXXX. Account number : XXXX These companies have 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. 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 items of information, other than records of convictions of crime which auntie XXXX the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to think that the information is inaccurate.

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 2021-09-11
Company: FIRST ADVANTAGE CORPORATION
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone named XXXX XXXX randomly emailed me on XX/XX/XXXX stating, " This is to advise the above subject account is scheduled to be reported to the 3 National Credit Bureaus on or before XX/XX/XXXX. There is still time to resolve the balance prior to reporting. Please call me by Friday XX/XX/XXXX so we may discuss available options. '' The email subject was part of the name of an apartment complex I lived in and moved out of three years ago. The apartment complex is horrible with communication and paperwork so I assumed this was a scam and tried calling them multiple times but never heard back. 

I received an email from XXXX XXXX on XX/XX/XXXX stating my credit score dropped. I took a look and this company is claiming I owe over $ XXXX ( according to XXXX XXXX. The only information I have is based on assumptions. ). I've literally never paid rent late in my life and don't owe anyone any money. I'd never heard of this company and had never received anything indicating I was past due with any accounts associated with my time living at that apartment complex ( because I don't owe them money ). I have a signed agreement from XX/XX/XXXX releasing me from any future liability with that apartment. 

The email I received was the first I ever heard anything about a claim to owe money ; the communication failed to state what it's in relation to, who XXXX was working for or with, the amount thought to be owed, or my rights to dispute the supposed debt. I don't know if she even knew my name- the email showed no indication this was actually meant for me. All of that is in direct violation of the Fair Debt Collection Practices Act. I don't even know what this supposed debt is related to. All I know for certain is the subject of the email was part of the name of a former apartment complex I moved out of three years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is an account that is being published on my credit report that does not belong to me. I called TransUnion the credit reporting agency and informed them of the matter and they instructed me to call the creditor directly to have that account removed from my credit profile. I called the creditor " XXXX '' and also informed them on what was going on. Since the account is not my own and none of my information is in their system, they were not able to locate an account for me and they then instructed me to call back the credit reporting agency and request that they delete it off my credit report. As such I did just that but every time, I get a representative on the line they inform me that they can not do anything about this fraudulent account that is being reported on my credit report. I mailed a dispute letter regarding the matter and no response was ever given nor did they ever open an investigation of the fraudulent account that is being reported on my credit profile.

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 2018-11-27
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This Company was hired by XXXX XXXX XXXX XXXX who I was forced to use by my doctor XXXX XXXX, for two dates of service they submitted the bill to XXXX XXXX XXXX XXXX XXXX in 2016 For the mount of XXXX They were paid by a check for their services then they came back and said they were billing three years later for another date of service that I had XXXX XXXX supposedly paid to me I still cant find a copy of that check which I requested from XXXX XXXX, However I paid them back via XXXX XXXX in my settlement {$240.00} this should of never been sold to a third party as its medical records and they are violating Hippa and they were paid. The lawyer threatened to sue me for the difference,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a XXXXXXXX  in NY and IM trying to relocate to XXXX and I had a mortgage broker pull my credit and there are somethings there that are not mine. I have been a victim of Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am writing to file a formal complaint against XXXX and TransUnion for a serious violation of my consumer rights, specifically regarding the reporting of a missed payment on my consumer report. This violation is in direct contravention of the United States Code, as outlined in 15 USC Section 6804, and has caused significant distress and inconvenience in my life.

According to 15 USC Code 6801, I am entitled to the protection of my non-public personal information. However, XXXX, a financial institution, reported my non-public personal information to TransUnion, a non-affiliated third party, without providing clear and conspicuous disclosure in writing or electronic form that such information would be shared. Furthermore, I did not provide explicit consent for the sharing of my information with TransUnion. 

In XX/XX/XXXX, I filed a complaint to have a late payment, which was reported back in XX/XX/XXXX, corrected to an on-time status. This late payment has had a profound impact on my life, as it adversely affected my credit rating and caused significant stress and inconvenience. 

I demand immediate action to rectify this matter. Specifically, I demand that the late payment status associated with my XXXX loan, account number XXXX, be corrected to reflect that the payment was made on time. Failure to do so will leave me with no choice but to initiate legal proceedings to seek compensation for the damages caused by the clear violation of the United States Code and the negative impact on my creditworthiness. 

It is important to note that I have never signed an SSA-89 form, which would authorize the sharing of my social security number with a non-affiliated third-party financial institution like TransUnion. Therefore, any reporting of my personal information to TransUnion without my explicit consent is a direct violation of my rights. 

I kindly request your intervention and assistance in resolving this matter promptly. I urge you to conduct a thorough investigation into the practices of XXXX and TransUnion, emphasizing the seriousness of this violation and ensuring appropriate actions are taken. 

Please be aware that I have meticulously documented all correspondences, documents, and evidence related to this matter. I am fully prepared to take further legal action to protect my rights and seek appropriate remedies under the law if a satisfactory resolution is not reached promptly. 

I expect your immediate attention and resolution of this issue. Your cooperation in rectifying this violation and ensuring my consumer rights are protected is greatly appreciated. 

Thank you for your prompt action in this matter. 

Sincerely,

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 2022-01-11
Company: EQUIFAX, INC.
State: WI
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:
I took out a loan from XXXX XXXX to finance a XXXX XXXX XXXX. In XX/XX/XXXX, the car was damaged and in XXXX XXXX XXXX XXXX said it was a total loss and issues a check to XXXX XXXX, the lean holder. XXXX XXXX returned the check to XXXX  XXXX saying it had to be made out to a different name from whats on the lean. XXXX XXXXXXXX re-issued a check. Meanwhile, all this time XXXX XXXX is reporting I am behind on payments and missing payments and it has affected my ability to refinance my home or purchase a new vehicle because my credit score went down XXXX  points. I have called the company three separate times and no one is able to help. They said they have not number for the total loss department when I called and asked for someone. I asked for a supervisor to call me back and no one has called me. I have filed a dispute with XXXX XXXX on XX/XX/XXXX to dispute the actions on the account and the amount of the debt. It should be zero and it's affecting my credit really bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
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: Was not notified of investigation status or results

Complaint:
I sent an Identity Theft Affidavit on XX/XX/2021 certified mail with green return receipt to Experian, XXXX and XXXX. They received the affidavit based on the certified mail tracking number and failed to block information resulting from identity theft. 

To my understanding under section 605B of the Fair Credit Reporting Act they must take 4 days after receiving the mail to block resulting from Identity Theft.

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 2018-11-27
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB to remove the accounts XXXX XXXX XXXX XXXX which is showing multiple times and with different amounts, and XXXX XXXX as duplicate entry 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