BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Citibank credit card i have for over seven years and a exceptional customer. I always pay everything on time and have wonderful credit. About a month ago Citibank decreased my limit from XXXX to XXXX without my knowledge or any letters. They state they sent a email and letter and i still have not received it. I have reached out to them several times to even give me a reason why and they said when i did a transfer from my business account it declined. Which should never have happened. There was plenty of money in there. Both of my accounts went into this crazy negative status overnight hme in the morning they were back to normal. I almost had a heart attack. Since this happened they decrease my limit. It was not my fault. There was money in all accounts. I always pay my credit card off. I use it all the time for my work to get points as this has affected me very much. My work reimburses me and i always pay off. Please help me recover my credit increase. I have contacted all credit bureaus and they say i have impecible credit and never late and i have sent all copies to Citibank also and nothing is being done. I still have not received the letter stating why this was done and it is now going to mess with my fico score which i have worked super hard to keep At the level it is at. Thank you so very much

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 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The company involved is Transunion XXXX XXXX XXXX. 

Here are the facts, surrounding my complaint : I applied for two Apartments : Elevate at XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX I was denied because Transunion Rental Screening disclosed erroneous information on my criminal report. 

I disputed with Transunion XXXX XXXX  on the following dates : XX/XX/XXXX XX/XX/XXXX The second time I filed a dispute ; I provided official police reports to show them that their information was incorrect. However, they are still saying that their information is correct and refuse to make adjustments to my report. 

Furthermore, they're customer service department is absolute trash. I requested on three occasions and called twice to have them send me a full report of what they have been disclosing to consumers ( rental agencies in my case ). They keep giving me the runaround saying that they don't have all the information they need. I don't see how any company would rely on information that they provide because their company is dysfunctional, with incompetent workers. 

This is causing an extreme hardship, I am a XXXX veteran, and I'm on the verge of becoming homeless, not because of my XXXX, but because of Transunion XXXX XXXX inability to provide quality service.

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 2020-05-01
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:
After reviewing a copy of my annual credit report, I have noticed that I have a few judgments placed in my file which is causing my credit to be less than mediocre. Both of these alleged debts have been dismissed and discharged from my pay which has caused tremendous financial hardship. Please have these debts removed off my credit for they have been harming my credit and it has prevented me from acquiring new 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 explanation
Consumer complaint received 2019-10-28
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was approved for a mortgage through XXXX XXXX   XXXX and Quicken loans ... pending underwriting. I proved rental history through signed letters from landlord and from taxes. Due to the fact I could not prove through a bank statement from XX/XX/XXXX to XX/XX/XXXX they denied my mortgage and proceeded to state they can keep my {$1000.00} earnest money. I proved all other dates and years through the bank statements I did have. I am a XXXX XXXX survivor and a single mother. This whole processes has taken hours of research time and money for copies, faxes, postage and they kept moving the close date because they could not preform their duties on time. I feel like I was unjustly treated for not having a bank account during those months but had proved rental history through all other documents. They have denied a safe dwelling for my children and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have notified XXXX XXXX that they are inaccurately reporting that I was late XXXX 2015. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Experian Information Solutions Inc.
State: KY
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 XXXX2020 and XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I truly fell like I'm being taken advantage of and being ignore of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it have been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-05-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MY COMPLAINT IS AGAINST USAA : ** BLATANT DISHONESTY!!! See attatched XX/XX/XXXX USAA CREDIT CARD FRAUD CLAIM Claim Date XX/XX/XXXX Amount {$470.00} ****** UNAUTHORIZED*****. USAA has never provided credit for this fraud of XXXX. I SUBMITTED A WORK ORDER TO REVIEW 18 Xs over past two years. See attatched USAA : REVIEW OF YOUR CLAIM IS COMPLETE dated XX/XX/XXXX XXXX NO FRAUDULENT ACTIVITY FOUND AFTER REVIEW OF YOUR CLAIM what?? ****** see attatched USAA XX/XX/XXXX STATEMENT **** NO USAA CREDITS**** MY OPINION USAA ARE CRIMINALS. I AM AN ID THEFT *VICTIM XXXX YR OLD *DISABLED XXXX YR MEMBER *ABUSED BY USAA. ( USAA HAS DESTROYED MY EXCELLENT CREDIT WITH USAA DISHONESTY. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, good afternoon, my name XXXX XXXX, I had a big problem with the discover card account which was opened in my name by another person, I have contacted the collection department to solve this situation, the debt is {$2400.00}, which the Account, its limit was only {$2000.00}, the collection company reduced the debt to {$1200.00} but according to them it will not delete my credit report, I think it is very unfair that with this situation of covi19 which has not left a big mark, huh I am left without a job even my city is not working 100 %, I am in desperate greed since a thousand times I have let this collection agency know that this account was opened by another person, I sent a police report to this agency, eh I sent proof but they do not want to eliminate from my credit report this debt is not open by me, please for consideration since the same government has said that said debt will be forgiven I need you to have the consideration for said situation to take into consideration my request to eliminate this debt from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX  PORTFOLIO XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: Square Inc
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
These are complaints with cash app/square account XX/XX/XXXX, XXXX XXXX XXXX. XXXX taken from my account XX/XX/XXXX, XXXX XXXX XXXX. XXXX taken from my account XX/XX/XXXX XXXX XXXX XXXX taken from my account XX/XX/XXXX, XXXX XXXX XXXX taken from my account XX/XX/XXXX, XXXX XXXX XXXX taken from my account XX/XX/XXXX, XXXX XXXX XXXX. XXXX taken from my account XX/XX/XXXX, XXXX XXXX XXXX. XXXX taken from my account XX/XX/XXXX, XXXX XXXX   XXXX taken from my account XXXX XXXX XXXX  refunded to the card for XXXX missing from my account Plus XXXX that was already there thats missing also This account has been closed for cash app and square since XX/XX/XXXX in the photos you can clearly see that all other transactions were declined I just want my money I have contacted my bank there nothing that is coming off my account at XXXX XXXX as of now because I froze the account but cash app nor XXXX will contact me back Below is photos of the statements Even authorized companies that payments were declined because this account has been closed since the beginning of XXXX and still no one has contacted me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX SHEFFIELD FINANCIAL CO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the
pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious SHEFFIELD FINANCIAL CO  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2019-11-16
Company: Experian Information Solutions Inc.
State: GA
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 contacted the debtor on XX/XX/XXXX requesting my signature proving that this was my debt and or that I had paid the accounts late. 

The companies are reporting this information to my 3 credit reporting agencies without ending validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. 

This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

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 2019-02-21
Company: EQUIFAX, 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:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Those dates are : 1. XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank has closed two accounts that were in good standing. They claim it is because my credit score dropped a bit. Both of the accounts had a {$0.00} balance. Looking at complaints made on social media XXXX XXXX and XXXX XXXX, they seem to close accounts or cut limits within 2-3 weeks of the account reaching a {$0.00} balance.

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 2021-02-05
Company: ERC
State: UT
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:
Enhanced Recovery is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt is still reporting. This is a debt that I paid off a very long time ago. When I paid this I was told this would be removed from my credit, however it's been years and nothing has been done apparently. Enhanced Recovery needs to remove this debt from my credit file. It is very old and no longer owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am not receiving verification of payments made, even though I have repeatedly requested such documentation. I continue to make my payments on time. The payments cleared my bank account. I have since close my account, but I have not received written verification. I would like to pay off this account. However, these basic requirements need to be met first.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2020 I opened three dispute wit Experian. One account was a credit card I never applied for that had a {$89.00} with XXXX XXXX. I explained this to Experian Dispute Department alone with the fact that I can't get intouch with anybody from this company. 
The next account was to update a pass due balance that still showed I owed {$380.00} when I paid off the full balance and verified it with the company that they received my payment. 
The last account was for a company I never used and dispute that I didnt know this company. 
Two days letter I checked my credit report with experian and they closed all my dispute and nothing was changed. I have these same dispute open with XXXX  and XXXX  and the Dispute are still open. Experian DID NOT CONTACT OR WAIT FOR A RESPONSE FROM THE COMPANIES. THEY closed my dispute without notifying the companies. Nor did I receive any letter, email about why the dispute was closed because they don't want to do there job.

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