BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: BARCLAYS BANK DELAWARE
State: MD
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:
The credit card company Barclays increased my interest rate from XX/XX/2022 from 14.24 % to XX/XX/2022 to 16.99 %. 

XXXX XXXX XXXX XXXXXXXX credit card increases from XX/XX/2022 14.99 % to XX/XX/2022 to 17.24 % XXXX XXXX credit card increased from XX/XX/2022 16.74 % to XX/XX/2022 XXXX %. 

XXXX XXXX XXXX XXXX credit card increased from XX/XX/2022 17.49 % to XX/XX/2022 to 18.00 % What law allows credit card companies the right to increase existing customers interest rate and without notice.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Account # : XXXX XX/XX/2020 showing late 30 days XX/XX/2020 showing late 60 days There is a lot of incorrectly reported information on all 3 credit bureaus and believe that these 2 missed payments are also reporting incorrectly.

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 2020-12-04
Company: Synovus Bank
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have applied for a Synovus Bank First Progressive credit card numerous times and each time, my application for credit was denied by Synovus Bank. Synovus Bank is discriminating against me and denying me credit due to my race, color and national origin. Synovus Bank is in violation of the Equal Credit Opportunity Act ( ECOA ) under federal law 15 U.S.C. 1981.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 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 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 2022-05-06
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Riverwalk Financial Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company XXXX XXXX XXXX is reporting inaccurately to the 3 major credit reporting agencies that I have an outstanding debt to them. I have contacted them in writing by certified mail repeatedly for validation of the debt and to date I've received nothing. Furthermore, I was never notified in writing of this debt and therefore, I never had by the opportunity to dispute it before it was inaccurately reported to the credit reporting agencies. Also, I believe upon receipt of my correspondence, they were legally obligated to notify the credit reporting agencies that the account had been disputed which they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$52.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2019-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been dealing with an issue between XXXX XXXX and trans union. Going back and forth since XX/XX/XXXX. My XXXX XXXX account dropped XXXX points the day one of the parties closed my account in error. Trans union is XXXX and visa versa. The should handle instead of placing blame elsewhere. My XXXX account is opened and current. Im at my wits end with these two companys. So I want to do a formal complaint. As I am so stressed over this. Tired of the arguments. Just called XXXX and of course they have to contact another team to see whats going on. XXXX XXXX.can you please help me with this on going issue. 






Sent from my 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 2023-01-30
Company: Experian Information Solutions Inc.
State: NC
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:
My complaint is with Experian. On XX/XX/2022, and XX/XX/2022, I sent a validation letter to Experian XXXX XXXX  Receipt number XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. I have attached these letters with this complaint. Experian has fraudulently put an account on my report, XXXX XXXX XXXX XXXX XXXX I ask Experian to tell me how they verified that account and the method of verification. I have waited more than 30 days and still havent received any response in according to my letters. Experian has refused to respond to my request to know how this was verified and the method of verification. I am aware that my rights are protected by The Fair Credit Reporting Act and Experian has violated my rights 15USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information & 15USC 1681s-2.

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 2020-10-17
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have made several attempts to address this ongoing problem with the original debtor and the previous collections company. This account was a fraudulently obtained account in my name and although I have attempted several ways to resolve this issue they continue to send collections notices from new collection companies. This is the 4th notice from a second collection company for this same debt incurred as a result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: ERC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX , XXXX. continues to attempt to collect on a debt that was identity theft. I was a victim of aggravated Identity theft and the bank as well as XXXX XXXX XXXX XXXX both know this. It has been reported to the Federal Trade Commission and the local police department. This account is for {$18000.00} and it is not valid as I hold zero fraud liability and they need to respect that. Respect the FCRA and both state and federal law regarding citizens who have been victims of Identity Theft.

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 2023-06-22
Company: WELLS FARGO & COMPANY
State: TX
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 recently seen these on my credit report. i did not authorize these. I reached out to all these company 's and they still will not remove them. i want them removed off of my credit report 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 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 2018-08-30
Company: DISCOVER BANK
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 am writing to dispute the following information that Discover Card has erroneously and repeatedly provided to XXXX, XXXX and XXXX. Discover Card was referenced as an outlier that negatively impacted my loan offer by XXXX XXXX home mortgage in XXXX of XXXX as it was previously reporting in error multiple charge-offs and late payments up until XXXX. I have disputed the information directly with the credit bureau at least twice and have made multiple phone call to Discover Card to either report accurate information or remove from my files. It has been over a year and my concerns have not been rectified since I contacted Discover Card in XXXX of XXXX. My account was charged off in XXXX of XXXX and I made a payment in full in XXXX of XXXX. Discover card sent a letter to my address after I demanded it stipulating that I had paid the balance in full but is currently still reporting a failure to pay in XXXX of XXXX in my payment history. 
I am in the process of buying a home and Discover Card failure to report accurate information has negatively impacted me in the type of rate, loan amount, and loan that I qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
When I disputed the information which XXXX XXXX XXXX was reporting, they updated in accurate information to cover themselves. I opened the account with them XX/XX/XXXX- the vehicle was repossessed in XX/XX/XXXX. They update my information stating the following : My account was closed ( XX/XX/XXXX ) and was included in a BK - which is under a wager plan. I dismissed my Chapter XXXX BK- I have no open BK 's, as well, how could my account with XXXX XXXX XXXX be closed in XXXX and included in a BK- when they repossessed the vehicle in XX/XX/XXXX? Since day one, this company does fraudulent things. when the vehicle was repo- they sent the redempetion letter to my old address- normal mail- when GA laws states the letter need to be sent certified and they had my new address.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hello in accordance with the Fair Credit Reporting act my rights have been violated! 15 USC 1681 section 602 and 604 states that a conumer reporting agency can not furnish an account with my written consent or instructions! PLEASE Delete the following inquires : 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 explanation
Consumer complaint received 2018-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Applied for and approved for Capital One credit card. Received card and account was restricted pending additional documents because of suspected identity theft. Called Capital one on XX/XX/XXXX or XX/XX/XXXX to help get ID submitted. They provided a new link via email and instructed me to take a picture with case number by picture. Submitted picture and called on XX/XX/XXXX to check on status at which point was told account was permanently restricted. Offered to send any other document they needed to verify identity such as a bill or W-2 and they refused to help any further. I originally submitted a state issued Alabama driver 's license as requested. They said the account would remain on my credit regardless of whether the account could be used. In my opinion, they should not have issued and sent the card if they suspected identity theft and also should have allowed me to send additional documentation to prove identity, which I would have gladly done. They should remove account from my credit report if they are going to refuse to help me clear this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
If im calling care credit about the account number they said they can not find it but it hurting my XXXX XXXX. i want my information so i can make any action to fix it and .i have some issue i want to be honest yes i co sign this person in my care cedit but i wander why this company aproved base in my information this person using ng wrong XXXX. i find out this when im asking why he dont me he said he is fine because his XXXX is fake. why this company aprove. i hope you can help me about this a i can give you more information

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 2023-01-29
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
During a call with a Navient representative while trying to lower my monthly payments she said I would be excellent candidate for Navient 's private loan consolidation. I was very glad to hear this as I have been trying for many years to have my monthly payments lowered, and can tell Navient does not wish to truly help me because they have XXXX XXXX XXXX XXXX XXXX on my student loans. Despite years of payments my balances never seem to actually lessen and I'm struggling to keep up. Navient knows this and has known it for years. 

When the representative told me I should apply for the loan consolidation with her over the phone I asked if I honestly qualified and she said again I'm an excellent candidate. Not even XXXX seconds after she said she submitted the details she said, " Unfortunately you weren't approved for the consolidation. '' So, I was never a good candidate then, she used me and my financial desperation to hit her loan quota. 

Navient refuses to release my parents from my XXXX loans despite telling me I COULD release them. Navient guided me to apply for a consolidation under myself only knowing I'd be denied. Navient harasses my parents and I incessantly even when payments are scheduled. It never stops with this company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and will spend the rest of my life attempting to pay high interest loans to a loan servicer who refuses to help the consumer. Navient is a despicable, predatory company and I just want to be as far away from this company as possible. My goal is to refinance my loans with another servicer but because of my financial struggles to pay Navient and Navient 's disregard to assisting struggling borrowers, my credit is not in a place to refinance elsewhere. 

When will something truly be done about Navient? I only wish to reduce my monthly payments and am at a loss where to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Eastern Revenue, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has been reporting to all three of my credit reports despite that fact that I had disputed this debt with them several times as well as disputing with all three CRA and it has been returned as verified. I would like to know how this alleged debt has been verified. I had requested from them legal validation on this alleged claim that I owe and had requested that they provide me proof of there ownership of this account. I had a phone conversation today with a Supervisor XXXX XXXX and requested from him the authorization that I had signed with the alleged original creditor to release my personal private information and the contract that I had with XXXX XXXX XXXX his response to me was this is not required. I demand validation from this collector. I demand they produce a valid contract. I demand they produce a signed authorization. They shouldn't be on my credit report for any reason but since they are, they certainly should not be there without an authorization to collect information and make communications about me and an alleged account. I do not owe this alleged debt that they are claiming I owe. I have attached all information that I have received and sent to them to this complaint.

Company response to consumer: Closed with explanation