BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-04
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Ok so I have been actively working on all 3 credit reports since XX/XX/XXXX to establish and correct any inaccuracies. I have had a terrible time getting things in order with the credit agencies. Equifax has been a nightmare and complaints for them have been filed. XXXX has no score generated for my idenity. I think this is unfair reporting & caused me unfair credit opportunities un the FCRA. I have always paid my way in my XXXX years of life not knowing the importance of monitoring my credit as an adult. I did not feel the need to credit knowing the cash flow was keeping me stable. I'm older now and have been on XXXX since XXXX. I now have been enquiring of credit to help my life style. I am not getting an equal fair chance to establish revolving credit mainly because the agencies I have accounts with do not report to all three credit monitors. I have made requests for this to change and was denied. I'm getting XXXX per month to live on and can not do a deposit on credit that would take away from available money. I'm in need of possible credit to add to available funds that can be paid on the first with my one other expense I currently have. My lack of information should show in a good perspective that I'm responsible not to have exhausted my resourses by asking for to much credit. Is there anything that can be done that may give me a shot at fair credit chance? I dont care if the generated score is next to nothing I just do not think that by the FCRA and the fair equal credit opportunities this kinda treatment just does not fit the script as Fair! I'm confused how foriegn citizen 's that arrive here as adults can get fair credit chances with just submitting paper work even without a social.I 'm born in the USA & seem to be categorised as some kinda gamble to creditors for losses or gains. ( I read an article ) I hope our system is not set up to determine our financial history at birth by our given names and social security numbers. The credit agencies do business with our personal information across seas in the XXXX and that does not seem appropriate however we tolerate it. I'm sorry in advance but please help me get the 3 credit agencies to combine the good and the bad equal between the 3 agencies so I will generate a fair score to allow credit opportunities for once in my American life. Please? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
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:
I have sent a letter in 4 months ago on XX/XX/2018 and I havent received any response through mail nor email. I take it that there isnt any original contract documents on me for the credit card account with XXXX XXXX with an outstanding amount of {$1800.00} and the inquiries listed on XXXX, XXXX, TransUnion. I have never given anyone any consent to inquiry inquiries on my credit file and this seems to be fraudulent and erroneous. I have attached a letter that I would love for you to carefully read. This is my third attempt since last year and this year combined. I hope we come to a resolution and your company completes an internal investigation on the account and inquiries because this seems like its becoming a problem and no one in the department is dealing with this situation or taking this matter serious. I repeat, please dont send me any XXXX XXXX messages stating that the inquiries are factual records nor is the account because I dont have a clue of who they belong to and I have contacted the creditors and havent gotten a response back. Its been more than 30 days for this matter. If this matter isnt resolve by Friday Im seeking legal actions against XXXX, XXXX, TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Spring Oaks Capital, LLC
State: VA
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:
Violation of my rights and they refuse to honor the law that has be set. Spring Oaks Capital LLC has denied my request 4 times and XXXX is Failing to comply 15 USC 1681 section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section2 it also states consumer reporting agency can not furnish account without written instructions 15 USC 1681 section 603 ( 3 E ) I demand this account be remove immediately its be to long

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I do not owe any debts to Merchant & Professionals or XXXX XXXX. I have attempted to dispute the inaccuracy reported to my credit and they have refused to remove the negative tradeline. I do not have a balance or owe any medical debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: CITIBANK, N.A.
State: CA
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:
I have two credit card issues with Citibank. Both regard their " revisions '' to credit limits. 

The first is what I consider to be an " emergency only '' card. I've had it for six years, always on time, always zero 'd out balance. Recently I had to use that card for an emergency medical bill XXXX {$1100.00} XXXX. The charge was on my bill for one payment cycle. When my statement closed, Citibank " revised '' my credit limit downward from {$2200.00} to {$1000.00}. This made it look as if I was over/at the maximum of my credit utilization. 

The second is my Citibank XXXX XXXX mileage card. Recently I was 5 days late in making my credit card payment. ( I've always made on time payments to both cards ) After I realized my payment was late, I resolved the matter and made a payment immediately. Two business days later, Citibank " revised '' my credit limit down from {$7200.00} to {$6200.00}. Now, again, it appears that I'm over utilizing my credit. 

I have contacted Citibank about this, and have mentioned that every time I login, they explain on banners, emails, pop-up notifications, that they are here to help during this pandemic. I have asked both a customer service representative on the phone, AND the CEO of Citibank for assistance. Why would Citibank suddenly be revising credit limits during a pandemic, especially when they claim to be there to help. Also, why revise when I've been a long term customer with no late payments. The answers have been polar opposite. 

For my first " emergency '' card, the representative was abrupt, and unhelpful. I decided to close my card and have paid the balance in full. The CEO 's office sent an automated message that my credit line had been restored, but it was too late, especially after the phone conversation with their CSR. 

The second XXXX XXXX XXXX card ) issue has yet to be resolved. I've emailed the CEO 's office and have spoken with a CSR. I don't understand how a company can claim to help, and switch the terms of how they help. This seems like a bait and switch to me. It makes my credit utilization look as if I have increased my usage exponentially, which in turn lowers my FICO score. This cascades into other credit cards then questioning the limits they've given me. 

I think this practice is wrong, and borderline illegal considering the " help '' they are claiming to offer customers. 

Please help. Their advertising and their operations seem to be in two separate realities.

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 2020-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/XXXX Disbursement to XXXX {$3100.00} Total Current Balance : {$4700.00} Numerous attempts to seek forgiveness and discharge Attended XXXX for 3 weeks but have to remove myself from the curriculum due to family emergency. 
Went through proper procedure to exit out and approved to do so I have never received a check nor put my signature on one!! 
Never received a check for remaining balance nor cashed a check School kept the money School total disregard to return remaining funds for 1 quarter Had me believe that I would not owe anything because I did a proper exit out due to reasoning. 
Has negativity been affecting my credit since XXXX There only options are : School Closure Discharge Loan discharge due to school closure Total and Permanent Disability Discharge Loan discharge due to a disability Public Service Forgiveness see below for more details Teacher Loan Forgiveness see below for more details And more : Loan Discharge Loan Discharge Application : School Closure Loan Discharge Application : Unpaid Refund Loan Discharge Application : False Certification ( Ability to Benefit ) Loan Discharge Application : False Certification ( Disqualifying Status ) Loan Discharge Application : False Certification ( Unauthorized Signature/Payment ) Bankruptcy : Ch XXXX - First Meeting of Creditors Letter XXXX I filed for bankruptcy in XXXX and it discharged in XXXX Ch XXXX - First Meeting of Creditors Letter XXXX*AND DEALTH!!!! XXXX XXXX, one of the nations largest student loan servicers, has settled a student loan forgiveness lawsuit.

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 2018-11-04
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 have contacted XXXX, Experian and XXXX XXXX multiple times via certified mail requesting they remove inaccurate accounts.

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 2020-10-13
Company: Netspend Corporation
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have a business XXXX account when I received the XXXX card in the mail I called to get it activated and the customer service rep told me that I needed to provide proof of my Identity. So I sent a picture of my driver license and a picture of my social security card as well as a copy of my voters registration card and mail with my name and address on it. I called the pay pal customer service back to make sure they received it and they said that it could take up to six hours before they could do anything about activating my card. So I waited till the following day and called the number to activate my card the system said the card was not recognized and I was transferred back to customer service and that's when the customer service rep told me that they had cancelled my card because they could not verify my identity. Which made no sense to me after all the documentation I had supplied them the day before. and when I asked to talk to someone else higher up the lady would not give me a number or transfer my call she just kept on saying it is our right to refuse to activate cards if identity can not be verified.

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 2018-11-04
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received an alert from all three credit reporting agency about late payments from XXXX till XXXX. I have sent in my payments on this account. Someone is not updating accounts to reflect the correct amount due on CPS that has the same amount supplied to the three credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I'll be attaching scanned pdf files of the dates and what transpired. 

Briefly what occurred - XX/XX/XXXX : Wife passed away. 
XX/XX/XXXX : Received XXXX credit cards, one for me and the other for my wife. 
XXXX : Called XXXX to have my wife removed from the joint account due to her passing. They said they did not need a death certificate as they have their own way to verify the death. They said wait 30-90 days. 
XXXX : I charged {$21.00} at XXXX for a XXXX gift. 
XX/XX/XXXX : I tried to charge another purchase but the card was declined. I ran a credit check and found XXXX showing an Adverse Account as charged off. Also, it showed I was deceased. I never received a billing statement for the {$21.00}. I was confused about this and what charged off meant. 
As the attached pdf 's will show, the deceased was corrected by the reporting agency, but charged off remained. Later, it read Paid in full/charged off, but still showed Adverse Account. My credit score dropped at least 100 points for something I had no control over, due to the fact XXXX had me deceased instead of my wife. Perhaps that's why I never received a billing statement? 

Hope this is enough info.

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 2017-06-15
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX   XXXX  reached out to me to attend their   XXXX   XXXX   program. I expressed to them that I have   XXXX   and would not be able to secure employment. They assured me that would not be a problem and that I should begin the  program. I completed the program in 2013. I have not been able to secure certification nor gain employment in the area in which I trained because of my  XXXX . I was made aware that the federal government shut the  school down and offered forgiveness to previous students due to misrepresentation and fraudulent programs and guaranteed employment.   To date, I have not been able to address the issue and have not been able to receive forgiveness for my loans that I have been paying on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX is listed under Hard Inquiries they pulled my credit 4 times started in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I did not authorize all these inquiries. 
Please remove from my report. 
Thank 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 explanation
Consumer complaint received 2018-11-04
Company: Klarna AB
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Made purchase on account dated XX/XX/XXXX for {$140.00} which is not interest free. However, made payments of {$90.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX which more than covers the amount of this purchase mentioned above. However, Klarna still decided to charge me interest on XX/XX/XXXX for {$2.00} and XX/XX/XXXX for {$2.00}. I should not have been charged this, the only other purchase on this account is a promotional purchase expiring XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: NC
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
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: Their investigation did not fix an error on your report

Complaint:
Allow me this opportunity to thank you, the Consumer Finance Protection Bureau ( CFPB ) for protecting our consumer rights against these dirty, unethical and almost illegal credit reporting agencies, debt collectors, lenders and creditors. You are contributing nicely to protect us the consumers from the above-mentioned nasty and harassing entities. I was very upset and incensed when I learned that the Trump team reduced funding for the CFPB. I suppose Trump and his team should sit down and re-consider what they have done and reverse their bad decision. 

I am writing to you regarding a list of inquiries that has no business being on my credit profiles. I wrote to XXXX and Transunion and mailed the letters out by certified mail with return receipt requesting a copy of my application-for-credit with my signature on it. No results so far from Transunion or XXXX. They could not even care enough to send me a response. This is a gross violation of the Fair Credit Reporting Act. These corrupt credit reporting agencies are in bed with the greedy creditors and lenders ; they feed of each other. 

Please order Transunion and XXXX to delete the inquiries as they are interfering with my ability to obtain credit and move on with my life. 

Thank you very much CFPB.

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 2018-11-04
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Transworld Systems is trying to collect {$110.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Transworld Systems with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Transworld Systems. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Transworld Systems. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Phoenix Recovery Group is trying to collect {$2200.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Phoenix Recovery Group with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Phoenix Recovery Group. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Phoenix Recovery Group.  They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation