BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023 I sent a letter to Transunion informing them that they are inaccurately reporting an account on my profile. The account status on account number XXXX is showing an " open '' status which is incorrect. I have not received a response from them and when I pulled my report again on XX/XX/2023, the information was still reporting incorrectly. Per the FCRA, I asked for the items to be deleted from my report because it is inaccurate. This is a violation of my rights as a consumer and I want this deleted.

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 2019-12-19
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
If a card issuer decreases your credit limit, the card issuer can not charge you over-the-limit fees or a penalty rate for exceeding your new, lower credit limit, until 45 days after it has given you notice of the decreased credit limit. A card issuer can not charge you over-the-limit fees if it didnt give you notice of the decreased credit limit or if you havent opted in to the payment of over-the-limit transactions. 

Synchrony bank decreased my credit limit, based on information they said they received from XXXX. I have just spoken with XXXX   and one of the factors is " Not enough balance paid down over time on real estate secured loans '' They gave me this card when my mortgage was new and I have made all payments on time and in the proper amount. How can they possibly use this as a factor when it is not. I have more paid down today on my mortgage than I had when I opened the two cards which they did this reduction on. It is a form of deceit. When they reduce your available credit on a card, it looks like a reflection on your ability to pay. It lowers your score and perpetuates the as the second factor that they use which now says, You have Too many revolving accounts with high balance compared to credit limit. A direct result of them lowering my available credit on three accounts- a very poor reflection on me as though I am at the top of my credit limit, which I was nowhere near and which I have been paying with payments they establish. I have now made a decision based on their false credit reporting, I will not continue to be responsible due to their deceitful credit practices. This bank should not be permitted to randomly do this and by the way I was not given the proper notice ( 45 days ) to address, these reductions. Its all well and good that they give you credit, but if youre fulfilling your part of the contract, it seems unreal that they can affect your life and financial well being in such a negative way, because they want to make a different decision now. All my factors are the same as when I got the card. I make more money now, I have been in my house with a mortgage for much longer now. I have been paying on these balances for much longer now. Why does that warrant a reduction.

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 2023-02-10
Company: BARCLAYS BANK DELAWARE
State: WA
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 two credit card accounts. I have had them for several years and represent in total a credit line of {$30000.00}. I have used their auto bill pay services for these accounts. 

As of XX/XX/2022, Barclays issued a automatic payment on one account of more than {$8000.00}. The normal reoccurring payments for this account were just a few hundred dollars. I contacted Barclays immediately by phone ( within 24 hours ) before the payment was processed ; I receive notifications in advance by email. They would not correct their error and reverse the payment. 

I contacted my bank before they had processed the payment to have return the remittance advice. Allowing the payment to process would have started a waterfall of overdrafts and fees. The said they had to allow the payment to process but would reverse it expeditiously. Which the did. 

Barclays subsequently canceled my autopay on all accounts; including the unaffected credit account. I discovered this in XXXX when my supposedly auto payment was processed. I incurred a late fee and a negative credit report. 

I then contacted them several times ( seven ) by phone. They acknowledged the problem. I attempted to make significant payments {$10000.00} total but Barclays had blocked my bank account and could not find a way to unblock ( supposedly ). The payment on my other account came due and it went past due. This was three weeks after I contacted before several times. 

As of now I have two credit lines on which I am being charged very high interest but Barclays wont accept my payments any longer. I have spent hours on the phone and several cases have been created but the management seems too busy to address on my numerous phone calls ( all incurring roaming charges for being out of country ). 

The duration from the point of their initial failure to currently is two months. I have elected to make payments from restricted accounts of which incur fees. 

I have no confidence Barclays will resolve. The are off the charts in terms of being difficult to business with and their lack of management is costing me significant time and money. I have taken the steps to redirect my business elsewhere because I am lucky enough to be able to. I feel sorry for others less fortunate and have to deal with the systemic management disinterest and XXXX  fees.

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 2021-12-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THESE XXXX COLLECTIONS DID NOT PROVIDE THE BALANCE THEY SAY I OWE WITH PROOF OF PAYMENTS UP TO THAT BALANCE DATE, DID NOT EXPLAIN AND SHOW ME HOW THEY CALCULATE DWHAT THEY SAY I OWE. THEY HAVENT PROVED THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THAT ACCOUNT AND PROVIDED ME WITH THEIR LISENCE NUMBE RAND REGISTERED AGENT SERVICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
This individual follows me quite a bit and is a cyber bully. I recently received information that he is contact with an employer of two years who put me on a " don't hire '' list. This has impacted my credit history.

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 2021-12-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX a collection being reported is not mine. The account belongs to someone else as I have never had a XXXX XXXX card.

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 2022-10-18
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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-11-05
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
Chase Auto Account Number XXXX XXXX XXXX The original loan statements were not received in a timely manner. The subsequent payments made were then resulted in a late being reported on my credit. I opened an investigation in XXXX on this matter, I never heard back. Covid hit, we asked for, and received a deferment, yet every month that we had a defer Chase reported late. As a result, multiple late payments have been reported and it is killing my score and making it difficult to obtain EIDL from the SBA and other finale options we are pursuing due to COVID. Even the statement attached shows that there was no correspondence between Chase and me for 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please remove the fraudulent hard inquiry on my credit report from XXXX XXXX from XX/XX/2023. Attached is the letter from XXXXXXXX XXXX requesting/approving the removal of the unauthorized hard inquiry.

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 2023-04-17
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-29
Company: EQUIFAX, INC.
State: KS
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:
Equifax , Inc. failed to secure my data. It was stolen and now I am at risk of having my financial identiy used to ruin my credit status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-15
Company: Experian Information Solutions Inc.
State: MS
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 have reviewed my consumer reports and noticed that I had several late payments on two accounts that I have never been late paying. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with COMPLETE MAXIMUM ACCURACY. I have never been late on payments for the following accounts : XXXX XXXX - XXXX and XXXX XXXX - XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments inaccuracies be updated to PAID AS AGREED/NEVER LATE as they should be as I was never late. I thank you in advance.

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 2021-03-24
Company: Terrill Outsourcing Group
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: Their investigation did not fix an error on your report

Complaint:
I contacted XX/XX/XXXX to dispute their claim that I owe a debt of {$310.00}. The phone numbers provided on the credit report XXXX and XXXX do not connect to the XXXX, but it connects to a company called Superlative RM. Several Managers and Customer Representatives have stated on multiple calls they do not have an account pertaining to me and there is nothing they can do to assist me with removing the debt or resolving the debt. I have not been provided proof of the debt from the XXXX, and they have not responded to letters, and the phone numbers do not connect you with the company. I disputed the validity and accuracy of the debt with XX/XX/XXXXand they reported back that the company verified with them the debt is valid. However, XX/XX/XXXXrepresentative stated to me on a recorded phone call XX/XX/XXXX is not required to provide one shred of evidence that the debt is accurate, they did a self investigation and reported back to XX/XX/XXXX their findings. I asked how is it possible to report a debt on my report without 1 piece of evidence? I have not been able to get in contact with anyone from this company, and yet, XX/XX/XXXX refused to removed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-12-14
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted creditor and requested assistance given covid related health setback. Creditor refused to offer any XXXX deferral / forbearance option- they merely offered an {$8000.00} lump sum settlement payment. 

On XX/XX/2021, I received an email, again requesting I contact creditor, to discuss payment assistance options, no such options were provided. The creditor refused to discuss the matter and hung up the call. 

I have remained current on all credit obligations prior to my illness, this is the only XXXX company who I contacted that conduct themselves, as the XXXX XXXX XXXX that benefit always at the public 's expense, whenever their insatiable appetite leads the country to the brink of ruination. 

These XXXX have ruined my credit, and caused me XXXX XXXX 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 2023-03-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Dear Sir/Madam, I am writing to dispute several inaccurate items on my credit report. After reviewing my credit report, I have identified several negative items that are harming my credit score. The following items are incorrect and must be deleted from my report immediately : XXXX XXXX  Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. According to the Fair Credit Reporting Act ( FCRA ), you are required to update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX - This is not my name. According to the FCRA, you must delete it immediately from my report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX # XXXX XXXX, WI XXXX XX/XX/XXXX - This address is not correct. According to the FCRA, you must delete it immediately from my report. 

The following personal information is incorrect Account Number : po box XXXX XXXX, IL XXXX XX/XX/XXXX - This address is not correct. According to the FCRA, you must delete it immediately from my report. 

XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. According to the FCRA, you are required to update this account and delete the inaccurate information immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand that you remove it from my report immediately. According to the FCRA, you are required to investigate and verify the accuracy of this inquiry. 

I request that you investigate these items and take action to correct the inaccuracies on my credit report. I expect a prompt response from you within 30 days of receiving this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please accept this Qualified Written Request under 1024.36, as a formal request for life of the loan : 1 ) Accounting and 2 ) Escrow Statement, for loan number XXXX. Thank you. XXXX XXXX XXXX

Company response to consumer: Closed with explanation