BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-20
Company: Experian Information Solutions Inc.
State: AR
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:
There is a collection account on my credit file for {$380.00} from a professional credit management. I have disputed this item several times because I have no knowledge of this account. I requested validation of this debt and never received anything.

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 2019-03-30
Company: Early Warning Services, LLC
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 belongs to someone else

Complaint:
I was XXXX for almost 10 years. I was released XX/XX/XXXX-18. All my information was stolen and accounts have been opened and debts accumulated beyond belief! This is a very frustrating process. This complaint is for XXXX and XXXX XXXX XXXX. They have listed multiple accounts as well as bad checks. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and a bad check to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt of {$270.00} is paid in full. Please remove from my credit report. On XX/XX/XXXX a payment of {$100.00} was paid : Order # XXXX, Reference # XXXX, Authorization Code XXXX. On XX/XX/XXXX a payment of {$100.00} was paid : Order # XXXX, Reference # XXXX, Authorization Code XXXX. On XX/XX/XXXX a payment of {$74.00} was paid leaving a {$0.00} balance : Order # XXXX, Reference # XXXX, Authorization Code XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
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:
Payment history was perfect, banking with Bank of America for XXXX years and while I was on vacation they cancelled my account! No call, letter or any communication.

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 2019-10-29
Company: EQUIFAX, INC.
State: NV
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX has failed to update credit reporting. Ive requested to have the past due reporting updated to current and never late for my XXXX XXXX account opened XX/XX/2017. They have failed to report accurate information and have violated my consumer rights according to the 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 2017-12-15
Company: Experian Information Solutions Inc.
State: MT
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:
All Other Agencies are reporting a Fico Score except Experian. So when I have tried to apply for a loan from a bank I have been told several times that I do n't have a credit score?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive Done just about everything to remove this Fraudulent collection and its still showing up! Ive contacted the Original Creditor, Filed FTC & Also 2 CFPB reports/ Upload copys of Reports to Experian/XXXX and it continues to update every month its been 2+ years since Ive been trying to get this resolved WITH XXXX XXXX XXXX and using further measures moving forward. This collection has been hindering my Credit building and is frustrating because nothing seems to get done after Im told to follow certain steps to get 0 results!!!

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 2021-03-03
Company: ALLY FINANCIAL INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
on XX/XX/XXXX, XXXX with Executive Customer Relations at Ally Bank XXXX wrote a statement XXXX attached ) stating she would remove the inaccurate reporting to the credit reports. i am now writing 9 months later as this problem has yet to be resolved. XXXX attached credit report images ) please expedite this request and fix ASAP. 

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 2018-08-13
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ALL 3 CRA AND 3 DIFFERENT COLLECTION COMPANIES ( " XXXX XXXX, XXXX AND XXXX XXXX '' ) DEMAND SAME PAYMENT OF DEBT THAT NOT MINES AND NEVER DONE BUSINESS WITH COMPANY " ... VIOLATES " FDCPA, FCRA AND FCBA '' AND REPORTING SAME ACCOUNT ON ALL CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Experian Information Solutions Inc.
State: CA
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/18 Credit score was increased to XXXX good standing PER EMAIL BY EXPERIAN XX/XX/18 Credit score same score XXXX PER EMAIL BY EXPERIAN XX/XX/18 XXXXredit score deceased XXXX DROPPED 16 POINTS Called Experian XX/XX/18 talked to customer service, dispute, fraud department and each representative- INITIATED STANDARD OPERATING PROCEDURES ANSWERS. DISPUTE DEPT STATED EXPERIAN REEVALUATES CREDIT REPORT AND CAN DROP POINTS REALLY!!!!!!! ON WHAT FACTORS? EXPERIAN THINK CONSUMER ARE XXXX!!!!!!!!!!! 

VERY IMPORTANT INFORMATION REGARDING CREDIT REPORT REASON FOR FILING COMPLAINT WITH YOU- - no changes with hard inquiries, new accounts, credit limits, credit balances other then {$45.00} XXXX card on XX/XX/18 which does not warrant a 16 point drop! THE RATIO AND USAGE RATE ARE THE SAME AS REPORTED ON XX/XX/18. 

PLEASE RESOLVE ASAP-.EXPERIAN MAKES DECISIONS THAT RUIN CONSUMERS CREDIT RATING AND NOT TO GIVE ME FACTORS AS TO WHY A 16 POINT DROP IS UNETHICAL. 

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 2023-01-09
Company: EQUIFAX, INC.
State: AL
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:
I did not file this complaint in error nor am I being represented by a XXXX party but I have been studying the FCRA every since I have been fighting to get an inaccurate, false Bankruptcy removed from my report. Now I keep finding errors on my report that are not being corrected. I sent a letter certified mail back on XX/XX/XXXX and received tracking via XXXX when I contact the credit reporting to follow up on my complaint I was told the letter was not received however I have proof of delivery and I'm trying to understand my the company is ignoring my request lying saying they didn't get mail and continue to Violate me under US Code 1681b ( 2 ) no permissible purpose to furnish report without my written consent as well as violate 15 U.S Code 1681e ( b ) - Compliance procedures maximum possible accuracy and clearly several inaccuracies Delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
State: GA
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. There's a derogatory item that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiry : 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 2018-07-18
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citi Simplicity Card has continually failed to reflect a credit of XXXX in my available balance. My account was closed due to this inquiry and filing complaints. Citi Bank misrepresented the truth by stating that I requested to close my accounts, both Thank you account and Citi Simplicity Card which were in excellent standing. My request was documented by 3 various agencies. I stated the following, " I would be willing to close the accounts if the Citi Simplicity Card was credited the balance. Citi refused to credit the balance and closed the accounts without my permission as the closing of the accounts were only conditional. If Citi was not going to credit the account, then the Thank you account and Citi Simplicity accounts should not have been closed. My accounts are in excellent standing. Thank you account has a XXXX balance ; the Citi Simplicity Card is in dispute with the credit bureas. I was retaliated against by a company with F rating in some 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 2023-01-28
Company: Upstart Holdings, Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I attended a presentation by XXXX XXXX on XXXX XXXX. They asked me to fill out a piece of paper they called a " credit application '', and applied for a Promissory Note in my name. I did not authorize XXXX XXXX to do this. I did not know who or what " Upstart " was. I had No paperwork of any kind or a phone number with information from Upstart. I received a direct deposit in to my personal checking account on XX/XX/XXXX. Upstart deposited this money into my account. I still had No information from Upstart. On XX/XX/XXXX, I contacted the Attorney General 's XXXX XXXX XXXX XXXX XXXX XXXX and filed a complaint against Release Consulting and Upstart. XXXX XXXX was my advisor. She contacted Upstart on or about XXXX XXXX. I did not hear any thing about this from the XXXX XXXX or Upstart until late XXXX. XXXX XXXX had retired in XXXX. In late XXXX I again contacted The Atty. XXXX XXXX, XXXX XXXX XXXX, gave me information to contact Upstart. On XXXX XXXX after contacting Upstart, after speaking with 6 Upstart employees, XXXX XXXX in their ID Theft department agreed to send me paperwork submitted by Release Consulting on me. I discovered my " loan through, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX New Jersey. I have never had any contact with these people. I also discovered XXXX XXXX originally applied for the loan in my name for, {$28000.00}.. i presently owe in excess of $ XXXX filed a ID Theft report on XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have had the USAA Visa Credit Card for more than 20 years. I have been a USAA member since XXXX. I have had a fixed APR of 9.90 % for many, many years with statements to prove this. I noticed that my monthly minimum payment jumped very high and I looked into it. The last statement I have with a 9.90 % APR was XX/XX/XXXX. I am now paying 14.15 %. I have always had fixed credit rates and could not find any notices from USAA that they were converting my credit card to a variable rate. We used this card to pay for some remodeling after our XXXX XXXX stole money from us and we had to pay for items a different way. I called USAA on XX/XX/XXXX @ XXXX and spoke with XXXX -- employee ID # XXXX -- who tried to find any notices of APR change. XXXX looked back past XXXX and could not find any notices of APR change. I asked him if USAA would fix this APR since I have never received a legal notice of change, and he stated that unfortunately they would not. I believe that this was unfair, and illegal business practices since I was never given a notice and it was confirmed by USAA employee when even he could not find that a notice was ever given. This will greatly hurt our chances of paying back the large debt due to over 4.25 % increase -- and increasing further. Thank you for any help that you can provide us. Sincerely, XXXX XXXX XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX DBA Care Credit illegally recorded WRONG transaction amounts for XXXX   work that was done from XX/XX/XXXX to XX/XX/XXXX. I was over billed in these transactions and ALL the recorded amounts were incorrect. XXXX XXXX and XXXX XXXX XXXX XXXX ledgers reflect these accurate amounts and the XXXX XXXX   XXXX  statements reflect the higher and wrong amounts. Interest was then charged on these false amounts. Also 38 % total interest was charged on these amounts as well. 

I contacted XXXX XXXX on XX/XX/XXXX to get all the XXXX statements sent to me for XXXX to XXXX. I also contacted XXXX XXXX   and XXXX XXXX and had them send me their statements from XXXX to XXXX. I contacted XXXX at XXXX XXXX   with a demand letter attached stating that if they did not correct these illegal transactions and over billed transactions that I would take them to small claims court as well as contact CFPB. I contacted XXXX 2 more times ( XXXX XXXX and XX/XX/XXXX ) and she would only call me back and say she was researching the matter but refused to address the issue and was avoiding me over the fraud they committed against my account. XXXX XXXX recently changed the figures again on XX/XX/XXXX to more closely fit the amounts I had stated in my demand letter so they could avoid getting sued. However, I have the original statements which accurately reflect their inaccurate transaction amounts. ( Please see attachments ) The demand letter I sent to XXXX XXXX DBA Care Credit on XX/XX/XXXX XXXX XXXX   DBA Care Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX Re : Demand for Payment To whom it may concern Please be advised that XXXX XXXX DBA Care Credit owes me the sum of {$5900.00} to me ( the card holder ) because of the following : 1.  The charges reflected on my Bill statement are incorrect with the owed charges from XXXX  XXXX XXXX. and XXXX XXXX ledger statements. This has reflected unethical and illegal business practices by XXXX XXXX dba Care Credit.

2. My Payments have been reflected towards interest and not the Principle of the loan in a fraudulent and illegal manner by XXXX XXXX dba Care Credit.

3. Usury interest rates of 38 % and higher has been applied to my account in a fraudulent and unethical manner by XXXX XXXX dba Care Credit. 

4. On {$1700.00} for XX/XX/XXXX in Interest was applied to my account in a usury manner by XXXX XXXX dba Care Credit.

5. XXXX XXXX dba Care Credit is charging my account {$1600.00} more than what is owed plus the usury interest amount of {$1700.00} in XX/XX/XXXX and other balances totaling {$5900.00} that I do not owe. ( Overbilling )

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 2018-07-18
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I paid American Express a large lump some XXXX toward a XXXX balance, and they lowered my spending limit to XXXX, bringing my usage to 98 % instead of the goal of 60 % usage ( I paid XXXX ) to lower it because I was in the process of getting a mortgage and need to have debt paid down. I spoke with Amex and they assured me after I sent in my check stubs and 401k information, they would increase my limit bak to the original XXXX. On XX/XX/XXXX after I sent what was asked, they declined to increase the card back and have me at 99 % utalization, and have caused me to not qualify for my loan and not my score to drop. Amex lied and assured me they would fix this and now the call people in XXXX are refusing to honor what I was told. The

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to Remove Inaccurate Credit Information When I received a copy of my credit report and found the following items to be in error below 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. The following information is outdated. I would like it removed from my credit history 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 2023-01-28
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed a complaint on XX/XX/XXXX about XXXX XXXX XXXX XXXX and the response from Equifax said that they deleted them all, but they did not, all they did was just add the original lenders that were removed. We ask them to delete the XXXX credit collection account which was not accurate, they did not even mention it in their response, and as the same as XXXX credit, they added the original lender. 
In the XXXX XXXX account, a closed account that was removed, they are reporting late payments every month, damaging more my credit. I ask for all those accounts that have not been accurate to be removed, and their original lenders to be removed as well. 
Equifax for no reason took out of my credit score XXXX points in XX/XX/XXXX, while XXXX added XXXX, for my loan is well paid, and decreased balance. 

1. XXXX XXXX XXXX accounts 2. XXXX XXXX account 3. XXXX 4. XXXX 5. XXXX XXXX account closed in XXXX, and is being reported late monthly payments every month until today. This account was also removed due to inaurate information. 
6. XXXX popular late apyments are inacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX of this year, I made a trip to XXXX. During this trip, several fraudulent charges were made in rapid succession at one establishment. I noticed these charges, notified Chase bank credit department immediately ( from XXXX ) and they immediately reversed the charges ( on a temporary " credit '' basis ) while investigating the charges. Over a month later, I received a letter in the mail from Chase stating the charges were found to be valid, and the credit was reversed. I called twice more to re-review the claims and they 2 more times found the claims to be valid, without giving any reason or transparency as to why they found these charges to be valid. Finally, I called my personal banker at Chase to see what he could do, however, he has not responded to multiple attempts to contact him. The charges are over {$6000.00} and from XX/XX/2018. This is completely unacceptable, and I am getting nowhere contacting the same departments over and over again, very disappointing. Thank you.

Company response to consumer: Closed with explanation