BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent numerous letters to XXXX, XXXX, and Transunion detailing the fact that my identity had been stolen and that fraudulent accounts had been opened in my name and reporting on my credit report. Despite the many certified letters I sent that was n't returned to me and the phone calls nothing has been corrected. I contacted XXXX and waited 1hour and 30minutes for someone to initially tell me they have n't received anything. Once I told them my certified receipt numbers she conveniently found some of my information but supposedly not all of it. I asked her how was it possible to get some of it but not all? She could not adequately answer my question. My name and SSN came up in the XXXX Breach as well as the XXXX Breach but yet no one wants to remove the inaccurate information. I sent letters to both the creditor and the reporting agencies. I reported fraud alert years ago nothing was done. Did it last year nothing was done. And when I finally talked to the representative she told me my police report was n't good enough. I said well what more do you want me to do? She was very nasty to me and not concerned about me the victim.

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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 been dealing with unauthorized use of my personal information. Which result in unauthorized items 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 2022-01-19
Company: Experian Information Solutions Inc.
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:
The credit bureaus are illegally reporting inaccurate 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 2021-09-14
Company: AMERICAN EXPRESS COMPANY
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:
My name is XXXX XXXX and I am submitting this complaint on my own behalf, and there is no third party involved. 

I am requesting that the imposed credit limit placed on my American Express Blue Cash Credit Card by AMEX be removed. I have spent the last 16 months with a Credit limit of {$3100.00} placed on my American Express Blue Cash Preferred Card, which originally had a limit of {$16000.00}.

Pursuant to 15 U.S. Code 1692d : " A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. '' Since AMEX has taken it upon themselves to fraudulently lower my available credit limit from {$16000.00} to {$3100.00}, this has significantly lowered my credit score and skyrocketed my revolving credit utilization ratio. It has also made it so I have been unable to acquire credit from other lenders, and my overall mental and financial well-being have really taken a hit. This is a direct form of personal harassment, and slandering of my personal reputation- which I do not take lightly, as a Federally Protected Consumer under Title 15 Chapter 41 of the US codes.

This action was supposedly taken as a result of a suspicious charge on my card, in which the company thought that I was using the card for purposes that were not allowed. The very premise of them " conducting an investigation '' is fraudulent though, per 15 U.S. Code 1681 ( a ) ( e ) : in order to conduct an investigation into this matter, they would have needed to gather " information on a consumers character, general reputation, personal characteristics, or mode of living, obtained through personal interviews with neighbors, friends or associates of the consumer reported on. '' They did nothing of the sort- and contacted no one in their supposed " investigation ''.

I demand that this credit limit be removed immediately, and that I am mailed via invoice {$1000.00} for each of the 2 Federal Laws that AMEX has violated- pursuant to 15 U.S. Code 1692k ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
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: Information belongs to someone else

Complaint:
This item was removed for XXXX and XXXX but Experian will not delete this incorrect collection from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2013 {$940.00} {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX/XXXX/XXXX, my wife tried to make a purchase on XXXX, but it got declined. My wife called me and said whats going on. I contacted Chase and I was transferred to multiple departments. Then I was told my account is being under review and therefore the card was declined on purchases. This was unnoticed and unforeseen. This kind of business practice is unacceptable. I have perfect credit history and no debts. I dont see the reason here as to why my account is closed. I called today XXXX/XXXX/XXXX and the lady told me my account is closed due to the short history with Chase Bank. With my credit experience in the past, I have never dealt with a bank like a Chase before. This is not how you treat prospective customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Regions Bank cashed a fake check when they promised they would look out for me and not let me be victimized by an out-of-state company they said the check was good and gave me the money then two days later they told me to check is completely fake and I have to pay them now {$1000.00} then they went into my debit card and took out {$95.00} and change to balance my account to XXXX, prior to that they sucked up my Social Security check for {$720.00}, I lost {$1000.00}, they have been sued for this. Out-of-state checks take 3 to 5 days to clear and post they said everything was fine and gave me the money now Im broke. I have filed a complaint with the Florida state Attorney General XXXX XXXX, the XXXX Police Department, the ic3.GOV, digital wire crimes unit and theUnited States postal police.

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 2022-10-06
Company: Experian Information Solutions Inc.
State: FL
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 certify that I a

m permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamtion of my character 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX account is not mine, I am a victim of Identity theft. Please remove it from my credit report XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3.This account is not mine, I am a victim of Identity theft. Please remove it from my credit report XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2022-01-19
Company: Thaxton Investment Corporation
State: AL
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 reaching out to you to complain about the credit reporting agencies and companies that have ignored request for removal. The following accounts are not mine and must be removed immediately XXXX, NC XXXX, XXXX XXXX, XXXX XXXX. I am a victim of Identity Theft. I have contacted XXXX, XXXX, XXXX on 5 different times with no removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I am prepared to file with the federal courts about the continuous back and forth with the credit reporting agencies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed while under investigation. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX,2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureaus ( XXXX, Experian, XXXX ) have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.

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 2022-10-06
Company: Experian Information Solutions 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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$0.00} XXXX  LENDING LLC XXXX Balance : {$18.00} XXXX CREDIT XX/XX/2022 XXXX XX/XX/2022

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 2022-01-19
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The terms reported is incorrect, please DELETE. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 


Please DELETE/ UPDATE the above accounts as quickly as possible. 

Sincerely, XXXX XXXX XXXX # XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: FORD MOTOR CREDIT CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The company is calling multiple times per day. Including back to back. We asked if they could lower the payments or extend the lease and they said lowering the payments was not an option and we could only put a month at the end of the loan. We were honest and told them we wouldnt be able to afford it due to a job loss and they said nothing we can do. 

So as we continue to get behind, we have spoke with them regarding the fact that they have called local businesses looking for us and questioning them. Since we are in a small town this was a bad move on there part. They have also questioned and called my neighbors and employers multiple multiple times. We even told them if they continued that we would consult an attorney. They have continued. We told them to take the car. We are done. Between the excess in phone calls, the inability to work with is, the public embarrassment, and harassment of our neighbors this is crazy. The creditor is ford motor credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Upgrade, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened my Upgrade checking account on XX/XX/XXXX. In XX/XX/XXXX, they froze my account and would not allow any checking transactions or debit transactions. I completed a verification call with Upgrade to verify ownership of two linked external banks in XXXX and XX/XX/XXXX. Since then, Upgrade has not communicated the status of my checking account, and the account is frozen. I've contacted the company in XXXX, XXXX, XX/XX/XXXX. In XXXX, they told me that they'd finalize closing my account on XX/XX/XXXX. In XXXX, they said the account was still 'in review '. I called again in XX/XX/XXXX and they still show the account as 'in review. I have {$4500.00} in this checking account and can not access it. 8 months is a long time to hold my funds without communicating the status of my account to me. I would like to have my account closed and my funds returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed two letters with XXXX to remove the incorrect information that is on my credit report. The information is regarding a bankruptcy that was filed in XX/XX/XXXX. According to documentation that I have received from the U.S Bankruptcy court in Minnesota dated XX/XX/XXXX, they DO NOT report any information to any of the three credit reporting agencies. My first attempt to clear this up with XXXX was on XX/XX/XXXX and I received a letter in response stating that the information was valid. My second attempt was on XX/XX/XXXX, and I included their response as well stating that I needed to contact the reporting agency. The reporting agency again DOES NOT provide the information as stated above. I have now escalated this issue to your agency in hopes to get this cleared up. I have included all the documentation needed to clears this matter up. I look forward to your help in this matter. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
TransUnion charged me {$1.00} for my " free credit '' report. They then contacted me via email stating that I had signed up for a year long {$19.00} a month Credit Service for a year which I did not. TransUnion and have not responded to my emails.

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 2017-09-13
Company: EQUIFAX, INC.
State: CA
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 was impacted by the Equifax security breach and want to place a freeze on my credit. The fact that I need to PAY money to freeze my credit to fix this giant error by a company that clearly does n't care about it 's customers is just terrible. The American people should get free credit freezes/unfreezes in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
unauthorized transactions, charging me overdrafts fee and i never had my card it was lost

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 2022-01-19
Company: Conn's, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022, I consumer XXXX XXXX, sent CONNS XXXX XXXX a cease and desist letter to stop the infringement upon my intellectual property rights. In that letter, I also demanded an audit trail of this account as well as a debt validation letter to exercise my rights as a consumer to validate this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company is called XXXX XXXX or Ally Financial and they keep calling my number 6 times a day at least asking for someone I have never heard of. This is a new number and I imagine this was the previous owner of the number. I called them back to report this and they asked my name and said they would take my number off and for me to hold the line. I held the line for over a half-hour and they never came back to the line and continue to harass and call my 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 2019-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
capital one recently reported my account as 90 days late to XXXX, XXXX, and XXXX. The account has been closed for more than 2 years, and was included in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a copy of my credit report today and there is an account on there from this company. I contacted the company and spoke to someone named XXXX ( I believe. He said his name really fast one time and would not repeat it after that ). He advised that they account is from XXXX in the amount of over {$1500.00}! I have NEVER done any business with XXXX nor have I signed any contract the XXXX  XXXX. I have been a customer of XXXX XXXX XXXX since 2005. I told the rep that the account does not belong to me and I need verification of the debt and which he proceeded to ask for payment. I declined the payment and the rep disconnected the call while I was still speaking. The account does NOT belong to me and I demand that it is removed from my credit report immediately!!!

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