BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-17
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Barclay Bank Card has systematically lowered my credit limit causing my debt to available credit limit to raise. Thereby causing my credit score to be lowered duty what appears to be over the limit charging. 

I contacted Barclay Bank who transferred me to their debt risk contractor. I explained to the contractor that although my accounts outside of Barclay were indeed carrying high balances. I have never missed a payment to Barclay ; nor any of my other creditors. 

Barclay has continued the lower my credit limit actions without my never missing 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 2021-02-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am working with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they worked with Avant to settle the account on my behalf. In return, XXXX negotiated the outstanding balance with XXXX XXXX and agreed to terms which they included on their letterhead. The agreement was that I would pay {$260.00} and that would settle my account. Since then, XXXX has continued to negatively report the balance on my credit, stating that I still owe a past due amount. There is no indication that the balance was settled as agreed, instead they report that they charged off the account and I still owe a past due balance as of XXXX 2020. I've disputed this reporting with all 3 bureaus multiple times and each time, they come back and state that XXXX stated that the credit reporting is accurate and will remain unchanged. I just want my report to accurately reflect that I've settled the debt and do not owe it. I've sent the settlement letters and proof of payment to XXXX to all 3 credit bureaus and they still continue to report that the tradeline will remain unchanged. I've worked hard to resolve this debt with them and they refuse to accurately update my credit report. Experian is the most recent bureau to deny yet another dispute of this information even though they have the supporting documents to show that the balance was paid/settled as agreed.

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 2022-02-02
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I provided proof that CREDENCE RM company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. XXXX and XXXX chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried to resolve this matter over and over with no results XX/XX/2018 XXXX XXXX XXXX {$610.00} XX/XX/2018 XXXX XXXX XXXX {$230.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
This is not a duplicate complaint, but I filed a complaint here, requesting to be contacted by PayPal Support. I have attempted multiple times to use their 'Message Us ' option provided on the website, but it does not allow me to ask a specific question, and so there is no way to leave a message there. I could not find an Email address to attempt contact that way. If I call the number provided, no human beings answer, and it is just an automated recording telling me there is nobody to help me, and then hanging up. 
From what I have gathered fro others, leaving a message on either XXXX, or XXXX, never gets a response. So, I am at a loss of how to contact PayPal Support, if there is any way to reach a live PayPal agent anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: SF VAGO, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a car through a small dealership and StateFarm financed my loan. I've been paying the loan and insurance for 3 years now. Back in XXXX, my car engine mount broke due to a pothole. I look my car to XXXX dealership and submitted an insurance claim. The adjuster went there and looked at the car and said it had all these prior damages years ago before I got which made it a salvage title car so insurance wasn't willing to pay for my car. I then begin to check my statefarm documents because on my credit account it had a different vin that wasn't my car. XXXX proceeded to send me my loan agreement in the mail because I was curious due to the fact they don't finance salvage-titled cars. There it was on my loan promissory agreement it had the incorrect vin. My agent committed fraud so the deal could go through. I believe this is due to the fact one or two things weren't messed up about the vin it was a whole completely different vin and it's to the same make and model as my car down to the color. So yeah they definitely committed fraud to make my deal go through. I told specifically that a resolution I want bare minimum was to have my loan cleared because they were trying to just change vin to correct one. I'm like that doesn't work for me because my car is salvaged it was never supposed to be financed y you guys in the first place. My StateFarm agent was there at the dealership with me he inspected the car and all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
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:
My social security number was stolen and misused by a company without my knowledge or permission. The following accounts must be removed from my credit report immediately because it is not my information. I have filed complaints with law enforcement and the FTC. 


Remove the following false accounts Immediately : 1 ) XXXX XXXX XXXX   {$3200.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$6000.00} XX/XX/XXXX 3 )  XXXX {$4500.00} 4 ) XXXX XXXX XXXX ( Someone Paid ) XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EQUIFAX, INC.
State: MD
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 victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28
Company: EQUIFAX, 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:
XXXX, EQUIFAX AND XXXX ARE IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY HAVE INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE. 
ITEMS NOT MINE : XXXX XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX XXXX XXXX XXXX/XXXX/NOT MINE XXXX -- XXXX XXXXNOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX -- XXXXXXXXNOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX XXXX   XXXX XXXX -- U.S. DEPARTMENT OF EDUCATIONDXXXX XXXX XXXX -- US DEPT OF ED/XXXX/NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We had signed up for XXXX XXXX cable for approx 7-10 days and figured out it would not work for our large family as only 4 tvs could be used at once as the rep that sold us the service never told us about the limitations we called the company and they said it would be about a year before they were going enhance the services to allow more tvs to be viewed at once. We were a family of XXXX at that time, so we were fighting on who got to watch their shows and who did not. Being XXXX of the family members were teens it caused major problems. I cancelled the service and went back to XXXX, which I can supply dates to correspond with the events. Being that we cancelled we were told to ship back the equipment. I did so. XXXX wanted to charge me for the equipment. The equipment was returned and received by the company and acknowledged by a rep I think in 2014 it was. I then asked for the equipment to be returned as I was not going to pay for something was returned. To this day, I still have not received the equipment returned to me. The equipment is with XXXX. return it and I will pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent the letter regarding an accurate and unknown things on my credit report. To this day over 32 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove those items From my credit report it has been over 32 days and counting so they should be deleted promptly. I demand these accounts be delete it immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: PNC Bank N.A.
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 was a victim of ID theft and prior to putting a freeze with the credit bureaus someone attempted to use my information to try to obtain credit under my name with several financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 was a victim of ID theft and prior to putting a freeze with the credit bureaus someone attempted to use my information to try to obtain credit under my name with several financial institutions.

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 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I was told that I did not qualify for the program. They went over my credit report and I see some things on there that I know nothing about. I have contacted the XXXX and my local police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX. Please remove these from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have made weekly payments to my credit card account. 
On XX/XX/XXXX2020 I had a {$50.00} payment scheduled to the credit card account. I received an email on XXXX/XXXX/20 that stated the transfer of my payment was not successful. The reason was stated specifically as " Online Payment Limit Exceeded ''.

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 2021-10-09
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
I have submitted a dispute over 30 days ago and also sent a letter to citi bank for reporting a late payment for an account that was in forbearance due to covid 19 they sent me a letter saying they can't find my account yet reporting negative information and have caused me serious damages

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 2019-05-17
Company: EQUIFAX, 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 was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I was told that I did not qualify for the program. They went over my credit report and I see some things on there that I know nothing about. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX, XXXX, Applied XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX. Please remove these from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17
Company: DISCOVER BANK
State: IL
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 mailed, by US Postal Certified Mail, XXXX a Federal Trade Commission Identity Theft Report on XX/XX/2018, letter attached, which contained five credit cards and/or personal loans that were reporting on my credit report and are fraudulent. XXXX did remove/delete all except a Discover Financial account. I then mailed Discover, by US Postal Certified Mail, what was required which was also the Identity Theft Report. Until today, both XXXX and Discover have still not removed this fraudulent account from my credit report. Discover mailed me a letter, dated XX/XX/2018, who claim they conducted their investigation and will not report this account on my credit report but still are. All documents will be uploaded here as proof. Discover also claims that the address statements were mailed to were also fraudulent and was reported on the Identity Theft Report. Than the also have a wrong name that is not my name, which I attached and circled in red pen. They are clearly not conducting a thorough investigation and are still reporting this fraud account on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: LDF Holdings, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have requested 2 months ago to have my loan paid off, the company didn't do this and is still taking only {$150.00} finance fees from me every pay day on a {$700.00} loan. To date, I have paid a {$1800.00} on this loan. I have simply tried to make payment arrangements to simply end this process, but they have refused to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DiscoverBank at XXXX XXXX XXXX XXXX, DE XXXX has been sending me collection notices in the amount of {$2500.00} the collection has been reported as a past due balance. I do not know this company i have never done business with this company. this company does not have a contact with my signature. 

The Discoverbank account number on my credit profile is XXXX****. Also the open dates of this account is different between the credit bureaus showing an open date of XX/XX/2014 with XXXX and XX/XX/2014 with XXXX. the mere fact alone that the open dates of this account is different and needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28
Company: BMW Financial Services NA, LLC
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 was a victim of ID theft and prior to putting a freeze with the credit bureaus someone attempted to use my information to try to obtain credit under my name with several financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian online service will neither display a credit report nor allow me to freeze my credit. I've tried several times over the last several months, including today, XX/XX/2021. 

Experian requires payment of {$19.00} per month to display my credit report or freeze my credit, which goes against spirit and letter of the Fair Credit Reporting Act ( FCRA ).

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 2018-05-22
Company: Alorica Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I notified the Debt Collector that their services were no longer needed, and I would prefer to settle with the original creditor. I also wanted them to send verification that the debt was valid. 

Sent certified letters on XX/XX/XXXX, XX/XX/XXXX. Have received another letter from them dated XX/XX/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 2017-11-17
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This is regarding Hunington Bank, I paid off my car loan in XXXX, Now I ca n't seem to get the lein released off my title, They say they mailed out the paper but this is going into 6 weeks and I can not get anyone to take care of this. I even called the corporate headquarters and still nothing. I even asked them to send it to the XXXX County Clerks office and still nothing, they said it was mailed out twice and they told me they would overnight it but that did not happen either .... Please I need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RS Clark is reporting that they are collecting on behalf of XXXX XXXX and XXXX. This business is no longer valid. I have tried to reach the original business and it is no more. Is this fraud?

Company response to consumer: Closed with explanation