BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
Ive been a member with American Express since XXXX. I had a {$10000.00} credit limit. I am a XXXX and have been one for the last 26 years and have been a XXXX XXXX the last 12 years. During the later part of XXXX and early part of XXXX. I made 3 major purchases with my American Express Card. I bought a ergonomic chair for my son since he was schooling at home for about {$350.00}, a deep freezer for {$350.00} and an online class so I can learn the technique to do my own hair called XXXX. The freezer was supposed to deliver on XX/XX/XXXX. It was never delivered. I called XXXX on XX/XX/XXXX to see what was the delay, worried that they would tell me that it could not be delivered. The customer service agent said that they would email the vendor to see what happened and to give them 24hrs to reply. I waited until the next day and seeing that I didnt get a reply from the vendor I reluctantly went to the XXXX website to purchase another freezer. All that was available were commercial freezers, costing {$1800.00} or more. I was concerned that the original freezer I purchased wasnt going to be delivered so I went ahead to try to by this commercial freezer even though I did not want to charge that much to my card. I tried to complete the transaction 3x and it didnt go through. I went to the Amex App to check my account and saw that the credit limit was lowered to {$1600.00}. I then called Amex to find out what happened. They said that my limit was lowered they said it had been recently lowered. I said I never got an email about it. The customer service agent said because it was done today, I said what time today but he said to me he didnt know when. So I then said when o was trying to purchase a freezer to keep food in preparing for a possible food shortage Amex decided to lower my credit limit? Even when my debt to income ration was steadily lowering over the past year, 3 creditors increased my credit limit and I had no late payments? Also my credit score was steadily increasing as well. Amex said I was high risk and thats why they dropped my credit limit. We also know dropping my credit limit increased my debt to income ratio and as of yesterday my credit score dropped 71 points. I did not deserve this! I have a steady income and a secure job. I have not paid any late payements, my Dept to income ration was steadily going down and my credit score was going up. What is the purpose of having a credit limit of {$10000.00} but when you go to use your credit its dropped as youre trying to use it. I wasnt delinquent on any payments to Amex or any other creditor in many months. I feel slighted and disappointed and I didnt deserve this treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
There are multiple accounts on my report I do not recognize

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 2019-06-24
Company: EQUIFAX, 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:
On XXXX XXXX, I applied for an auto loan. I authorized the dealership to pull my credit, but had 10 other inquiries from banks they sent for approval. 
I read that any inquiries from purchasing an auto loan would be counted as one, instead, my reports are now showing 11 inquiries, one from each bank, if they were pulled within 14 days. 
This is the second time a dealership has shopped for approvals and rates for me that this has happened. 
There should be one report that can be shared with different bank/finance companies that the dealership shares the one report with that shows all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have contacted PayPal about a payment sent to XXXX XXXX for {$150.00} and in the description I put that it was a payment for concert tickets which I never received and they blocked me. I tried to contact PayPal for a refund but they would not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It is understood on XX/XX/2021, the Debt Collection Rule became effective clarifying how debt collectors can communicate with me, Attached XXXX XXXX XXXXy XXXX dated XXXX XXXX XXXX received XXXX XXXX XXXX, intentionally ignored my XXXX communications to BMC XXXX that the ONLY/SOLE communication be to XXXX. XXXX XXXX XXXX clear intention was to violate Debt Collection Rule anticipating that its attached communication would be lost by USPS so that it could inflict harm on my credit score. 

Each of these 50+ communications stated : " ... please provide by return email to XXXX all evidence of validity of this debt; including but certainly not limited to, all copies of all billings to XXXX XXXX XXXX all insurance billings, all medical records of all alleged service ( XXXX ), all insurance denials and the name and address of collectors you have used. ''

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 2021-02-20
Company: WELLS FARGO & COMPANY
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 is missing that should be on the report

Complaint:
Upon checking my 3 credit reports I discovered the fallowing wrongs : a ) one mortgage loan ( with XXXX XXXX that was paid off in 2019 is missing from the reports. 
b ) on two of my reports I am shown an address where I never lived.

Suspiciously, this address is in my neighborhood, on the same street where I live, but at a different number. 
c ) the same wrong address shows up on my deceased spouse credit reports. 
As I am going though probate, and I am the personal representative appointed by court, I checked his reports and I discovered the same wrongs on his reports. 
d ) the mortgage loan from Wells Fargo, is reported bizarrely, on the credit reports. 
Must mention that I was stationed away from home due to military obligations and dealt with fraud and wrongs created by Wells Fargo, and not only, since 2019!

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 2020-04-29
Company: EQUIFAX, INC.
State: VA
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 have previously sent disputed and the account came back verified. On XX/XX/XXXX I sent a Method of verification to the credit reporting agency for a chapter XXXX that is on my credit report. The agency received it and has failed to give me any results or verification. On XX/XX/XXXX I called and spoke with supervisor XXXX XXXX and asked him for the Method of verification, he said in order to verify it has to be verified through their original creditor or court system and since the courts dont verify with the credit bureaus They use their internal systems and that is their method of verification because it is public record. He then proceeded to tell me that it was my job to go to the courts and see if that was on my report because they didnt have to show me proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a complaint against Transworld Systems , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX ( XXXX ) XXXX. I was treated at XXXX XXXX XXXX XXXX on XX/XX/XXXX for the last Appointment in treating a XXXX XXXX. I have no co-pay from my insurance and never had to pay one for  any of my treatments. All of a sudden I received a statement that I owed {$100.00}. The last time I spoke to XXXX XXXX XXXX at Transworld Systems on XX/XX/XXXX at XXXX XXXX with a complaint because I received a written letter on XX/XX/XXXX from them saying I still owed this money. XXXX XXXX XXXX took my ID # from my health insurance to resolve the problem. I am really upset even more now because they have not resolved the problem because when I received my house insurance bill, I was informed that my credit was now affected and my bill was now higher. I feel that I have been a victim by this company and that they should be stopped from defrauding others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions Inc.
State: IL
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  and Experian are fraudulent on their accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX fraudulent on my credit Account # 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 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX To : XXXX/TransUnion/XXXX & Attorney General/Consumer Finance/XXXX. 

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B Again, I am in receipt of a credit file that indicates more fraudulent activity, in the form of Collection Agencies demanding that I pay them monies for accounts that I have never engaged in setting up! Also, there are credit account inquiries on my reports that shows applications for credit that I have not engaged in and should be immediately removed without prejudice! 

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 

XXXX XXXX XXXX IN ACCT : XXXX XXXX : {$650.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/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 2018-01-14
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:
I am a victim of identity theft. The following accounts are all fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for {$420.00}, I been receiving harassing phone calls at my home and at my place of employment from the above creditors everyday around XXXX XXXX for over 1 year. I have received death threats and been threatened with being arrested, if I dont pay the debt thats fraudulent and dont belong to me. I informed all 5 of the companies/debtors in writing via USPS mail to stop contacting me and harassing me at home and at my job, yet they continue to contact me at home and at my place of employment. This has been going on for over 1 year. This is a major violation of The Fair Debt Collection Practices Act ( FDCPA ) under federal law, and Arizona Debt Collection state laws. The accounts are all fraudulent and unauthorized, and dont belong to me. The debt is not mine. I have been informing the debtors for over 1 year that the fraudulent and unauthorized accounts arent my accounts, yet Im steady been harassed and receiving death threats, and threats of being arrested and put in prison for fraudulent accounts and debt thats not mine. The accounts are not on my XXXX XXXX credit report, because XXXX XXXX deleted and permanently blocked the accounts from my XXXX XXXX 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 2019-01-16
Company: Experian Information Solutions 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 just. Checked my free annual credit report and found that I have 2 active collections that are not mine. They are fron XX/XX/2018 and XX/XX/2018 from A Southeastern medical company. I have no idea who or where this is and did not receive any medical treatment during those months at all from anyone anywhere.

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 2020-10-12
Company: EQUIFAX, INC.
State: MA
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:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX has reported inaccurate credit reporting information of amount owed since 2016. I have contacted XXXX by mail as well as submitted two ( 2 ) disputes to Transunion, XXXX and XXXX. The years of inaccurate credit reporting are multiple violations of the fair credit reporting act. I have complained and sent in proof of violations of inaccurate reporting, yet each bureau continues to allow inaccurate reporting. XXXX XXXX XXXX is well aware of the inaccurate information because we have been to Federal court regarding the inaccurate reporting.

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 2020-04-29
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:
On XX/XX/XXXX, I submitted a dispute letter to Experian for inaccurate information that reporting on my credit profile. I submitted dispute letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As I am filing this dispute, I am on the phone with XXXX at Experian in the fraud department. He indicated that the accounts that I disputed were all coming back verified as accurate. I asked him how are they verifying the information and he stated that they contact the creditors directly. I then asked him why haven't I gotten correspondence back from them indicating how and where they had gotten this " so called '' verified information, and he told me that " b y law they are not required to tell me where or through whom they verify the accounts that I am disputing ''. Which I know via FCRA is incorrect. The credit bureaus are required to provide you with the reporting agency that they recieve their information from. XXXX told me that whatever the creditors tell them, that is what the report as valid. He told me that verifying information is strictly between myself and the creditor, and they do not send anything to the consumer about their method of verification. I know that my rights are being violated and I am livid that these creditors are given so much power over the erroneous information they are allowed to put on your credit profile. I have submitted proof of my identity to them, XXXX yet when I call the phone system to speak with a representative, the automated system says they can not verify who I am, then ends the call ), I have a paid membership with Experian.com, my personal information was breached during the XX/XX/XXXX XXXX  data breach, I have submitted police reports to Experian and I have verbal confirmation from XXXX  that they have in their possession my police reports indicating identity theft through FTC in their system, yet Experian is telling me that accounts I know are not mine will not be deleted because the creditors verified to them to be accurate. I believe this private company 's intention is to purposely continue to report inaccurate information about consumers, with the hopes of monetizing from them. I am disgusted with Experian and their practices.

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 2020-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 an XXXX XXXX credit card with Bank of America. Their online payment system doesn't have a " minimum monthly payment '' or full payment option when setting up automatic payment but I am forced to pick an amount to pay when setting automatic payment. I took a balance transfer with 0 % interest promotion from Bank of America to transfer my balance from another credit card. I had to guess an amount that meet the monthly minimum amount. I actually picked an amount that was higher than the minimum requirement after I transferred my balance to the Bank of America. Four month ago, the 0 % interest promotion was expired. That triggered an increase in minimum monthly amount and the system flagged me as late payment and had past due amount even though my automatic payment was still working and money was withdraw from my checking on time every month. I didn't find out about the late fee ( {$35.00} ) which is about 50 % of my minimum monthly payment for several months. They sent a letter reducing my credit limit due to those " late payments ''. I called Bank of America to request for refund but they only offered to refund one late fee. If their automatic payment set up has options like other banks such as XXXX, XXXX, XXXX XXXX, which should offer three options : Minimum payment, Full payment or a custom amount, I would've not suffered the issues. I recalled I ran into this same issue before when I found out their system don't have minimum payment but you have to guess from the statement and the minimum payment will be adjusted depending on the interest rate but the payment option that we put in is not adjusted when the minimum payment is changed.

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 2018-11-13
Company: LEXISNEXIS
State: CO
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:
On or about XX/XX/2018, I review my XXXX credit report # XXXX to discover that a Bankruptcy account # XXXX appear out of nowhere dropping my credit score from XXXX to XXXX. I immediately contacted the U S Bankruptcy court clerk and was told by her that the court does not report the record to the credit bureaus and that the Bankruptcy was closed not " dismissed '' as being reported ; the clerk also stated that I may wish to contact LexisNexis to dispute any errors.

Company response to consumer: Closed with explanation