BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-08
Company: Experian Information Solutions Inc.
State: TN
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 disputed the following trade lines with the reporting agency online and via certified mail asking for them to please conduct an investigation as the information being reported in my credit report is in inaccurate and does not belong to me and they still keep reporting it.This derogatory information is preventing me from obtaining a loan which I have pointed out an several occasions. I have also sent certified letters to the company themselves via certified mail and they will not even respond to my requested or provided a signed contract or anything that binds me to the amounts they say that I owe, I do n't understand how the reporting agency can claim that they have validated the debts and conducted an investigation listed below when I can even get the people who are reporting this derogatory invalidated information to respond. 1. XXXX XXXX ( I have no knowledge of this account. ) 2. XXXX XXXX XXXX XXXX XXXX ( I have no knowledge of this account. ) 3. XXXX XXXX ( I have no knowledge of this account. ) 4. XXXX XXXX ( I have no knowledge of this account. ) I have asked over and over and over for you to please remove these items from my report as they are not mine, and my request are ignored or responded that they have been valdated. There is no way under the FDCR and FDCPA guidelines that you have conducted a proper investigation. I keep asking for the method you are using and even those requested are ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Rubin & Rothman, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was served with papers to collect over {$6000.00} on a XXXX card I never had. I called the firm representing XXXX, Rubin and Rothman, and informed them it was not my debt. The attorney, XXXX XXXX, told me he would ask his client for copies of the statements as all statements attached to the complaint lacked what the {$6000.00} was spent on. I received a letter from XXXX asking me to circle the disputed charges on the statements I had and return to them. I wrote back via trackable Priority Mail that I did not have any statements to do that to, as all of the statements attached to the complaint were empty of purchases. XXXX then sent me a letter stating that because I didn't circle which purchases weren't mine on the statements, they concluded the purchases weren't mine which is disengenous to say the least since I never had them.

I am beginning to suspect that XXXX has no records related to why I supposedly owe them $ 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 2019-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  continues to report negative information on my credit report. I’ve received multiple notifications from the credit bureaus and XXXX XXXX indicating that this account was removed from my credit reports, that’s untrue as the account is still reporting negatively. I’m requesting for this account to be removed immediately. I’ve attached proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

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: SYNCHRONY FINANCIAL
State: SC
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:
XX/XX/2020. Synchrony Bank closed all my XXXX cards with them, $ 100,000+ of available credit. This will absolutely destroy my credit rating. Searching online I see they are doing this to tens of thousands of customers. XXXX of my cards had XXXX balances. The others have always been paid well before the due date and always well above the minimums due. I called and they said I was " high risk ''. Funny because literally 2 weeks ago they raised my limits on XXXX of my cards by {$7500.00}! My credit score is XXXX. I've never had a missed or late payment. This bank can not be allowed to destroy tens of thousands of peoples lives.

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 2020-05-18
Company: CITIBANK, N.A.
State: AL
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:
I was notified by letter I received on XX/XX/XXXX that was dated XX/XX/XXXX that my AT & T Universal account that I have had since XX/XX/XXXX had been closed because it was inactive for more than 2 years. In fact the account was last used XX/XX/XXXX so it has not even been 2 years. 
I called that evening and asked it to be re-opened, and they said all I had to do was request it. I did that. 
Then I received two letters on XX/XX/XXXX. One was dated XX/XX/XXXX that the account could not be reopened as it was a joint account and then the second one dated XX/XX/XXXX that Citibank needed to access my credit information at XXXX which was blocked and that I needed to unblock it and call Citibank back when I did that. 
I contacted XXXX and unblocked my account and called Citbank back, but was told that it could not be re-opened anyway. I would have to reapply for a new card. I did some research and double checked the last time the card was used. Indeed it has been less than 2 years. 

I called again this evening and spoke with a representative who reiterated that the policy was a 25 month period of inactivity was grounds to close the account. I pointed out again it had been less than that, and he checked and verified that the last use was XX/XX/XXXX. Despite that he said now that the account was already closed, there was nothing he could do but I could reapply for a new card. I asked for a supervisor and XXXX ID XXXX also confirmed that 25 months of inactivity was the policy, but she couldn't do anything either because the account was already closed, and I would have to reapply for a current account because this was a " grandfathered '' account they don't offer any more. It was the introductory offer when AT & T first offered the card. 

It is clear that Citibank violated their own policy, and the account closing was unjustified. Citibank seems to want to get rid of the old agreements in favor of new ones and will go to unfair lengths to do just that. It should be their responsibility to reinstate the account exactly as it was because it had not been a long enough period of inactivity. Additionally the notification of the closing was deficient as well because even a simple notice would have precluded all of this which is apparently their goal. The application of this inactivity criteria is unfair and deceptive, and was intentionally applied incorrectly to end a credit agreement. The reinstatement process is a sham as well requiring ineffective calls with long periods of silent holds to wear out the consumer. The call ends in asking me to reapply from the beginning for one of the newer products which seems to be their goal all along.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Atlanticus Services Corporation
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent out a certified Dispute letter to the Debt Collecter company FORTIVA that was received XX/XX/2020. In this letter I asked them to validate this debt in question. They gave me no response to my dispute. I sent this letter with a return request receipt so I have clear evidence that the received my correspondence. When I called the company and asked to speak to a supervisor they told me that they did not receive a letter from me regarding a dispute. Under the Pursuant to the Uniform Commercial Code and the Fair Debt Collection Practices Act they are required to respond to me within 30 days by law. The supervisor tells me that they have 90 days to respond during their investigation which is false. And to add insult to injury they told me that they responded to me after I called them a second time to make my complaint. I have all the evidence of my certified letter that I sent along with my return request receipt should you need it for your records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE SENT A DISPUTE TO THE COMPANY REQUESTING VALID INFORMATION REGARDING THE AVERRED ACCOUNT. I DID NOT RECEIVE A RESPONSE WITHIN 30 DAY, HOWEVER IT WAS 86 DAYS BEFORE I GOT A RESPONSE. THEN THE INFORMATION THEY HAVE, IS NOT ME, NOT EVEN MY NAME. ALSO THE INFORMATION THEY PROVIDED ME WITH WAS FROM A BILL DATE OF THE SAME MONTH AND YEAR, WHEN MY CREDIT REPORT SHOWS 2 YEARS PRIOR. IT WAS LIKE THEY JUST THREW TOGETHER A ITEMIZED STATEMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am complaining about an XXXX Mastercard that my husband had. My husband passed away in XXXX XXXX. Now it is XX/XX/XXXX and XXXX Mastercard continues to send monthly statements with an interest fee that continues to increase. I have contacted them multiple times to report him deceased and to close the account and cancel the card. In XX/XX/XXXX and XX/XX/XXXX, an insurance company inadvertently charged car insurance and home insurance to his credit card, when I thought the account had been closed. I sent XXXX a payment for the charges since I drive the cars and own the house. I would like XXXX Mastercard to stop sending statements and bills, as I do not owe them 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 2020-05-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They reported a negative and erroneous error on my credit report. They do not have any document having my written signature or a contract that obligates me to pay them. I have no relationship with them, I owe them nothing and they continue to say that they are validating a debt which I owe them nothing. I sent them a certified letter asking for written proof and they have failed to do that. Sending me an electronic type statement is not " validation of a debt ''. I informed them that if they do not delete this from my credit report I will look to take legal action against them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-06
Company: FIRST ADVANTAGE CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I sent myself a transfer to my XXXX checking account from my Current account for {$1500.00} on XX/XX/XXXX and the transfer was canceled and shortly after my account was placed Under review with and email requesting documents on since XX/XX/2020. I sent over my DL SSN XXXX  ACCOUNT STATEMENT AND MULTIPLE REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Good evening. 

I have repeatedly tried to get in touch with SOMEONE at Experian who can tell why I can not freeze/unfreeze my credit report neither online nor via phone. They want me to WRITE A LETTER TO THEM with an INSANE amount of documentation. The fact that we as Americans are forced to use these snake companies is a joke, and now I can't even open my XXXX XXXX accounts because I can't get the freeze off my account without jumping through these ridiculous loops that are going to take entirely too long to send. 

I have my unfreeze number. I input my birthday, SSN, whatever information was asking for because it's not a XXXX fraudulent request. I set the XXXX PIN so that I could freeze and unfreeze as was convenient, not to deal with the XXXX of handling a problem with Experian. 

There have been no actions to resolve this. No support person seems to understand the issue or it ends up with endless transfers. 

XXXX you Experian.

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 2019-04-25
Company: Self Lender Inc
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
this company after i decline service put XXXX XXXX dollars on my credit report, please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
I have been using XXXX for a while now and originally I received a line of credit of {$2000.00} but come to find out in XX/XX/2020 they decreased my credit line from what seems to me like no reason. The only answer I received from customer service is that the bank told XXXX to decrease my credit line based on my credit history mind you I maintained a positive historical balance with XXXX. Instead of making the determination based on just my borrowing power from XXXX, I was informed that the bank looked at all of my credit history to determine a decrease of my credit line. What doesn't make sense is that I've had the credit utilization at less than 60 % in order to continue building credit history. All of a sudden my credit line got decreased which seems to me is for no appropriate reason other than that I am a risky borrower which based on my payment history has been more positive than negative looking at my usage with XXXX. So since XXXX is under new management of a new bank beginning in XX/XX/2020, I was told all my historical data with XXXX does not count except starting from XX/XX/2020, which is also setting up consumer 's for failure because the whole idea of leaving an account open is to improve credit history not get reset every time a company is under new management. Please help.

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 2019-02-19
Company: Experian Information Solutions Inc.
State: MD
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:
Hello. I contact Experian via certified mail ( attached proof and letters ) I requested proof of accounts that they claimed were mine. I also Have credit card companies reporting incorrectly because credit cards were stolen and used and cause balance and I closed the cards because of theft. I have reached out to Experian explaining the issues and the Laws that are protected by me to assure I am not being reported inaccurately. They sent a generic auto response claiming nothing was inaccurate when in fact several things are reporting inaccurate and illegal. I will forward my proof to 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 non-monetary relief
Consumer complaint received 2020-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been dealing with this nonsense since XX/XX/2020. XXXX fraudulently charged my account for the amount of {$130.00} ( or whatever XXXX times 2 is ) I have proven to my bank BOA through photos from shipping company, photos taken within my HIGHLY secured building signed by management and dated, reports from police, Postal Inspector mail identity theft reports and Postal Inspector crime reports, reports with the XXXX XXXX XXXX and the fact I have a name XXXX XXXX of which there are over 19 email correspondence with that they know they have fraudulently charged me. They know they are illegally holding my money but they absolutely refuse to give me my money unless I drop all charges against them. Which I will not do and it is illegal for them to even demand that.

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 2020-05-18
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX Is reporting a collection account totaling {$1100.00}. Per the documents that they have provided they purchased the stat from XXXX XXXX and the debt was charged off by XXXX XXXX on XX/XX/XXXX. I have requested a complete transaction history to support the amount they claim I owe and to date they have been unable to provide it. Further, they are reporting an account open date of XX/XX/XXXX but the actual death occurred before XX/XX/XXXX Per the document that they provided. It is my understanding that Credit Card Debt has a statute of limitations of 4 years. Per the document they provided from XXXX XXXX the actual debt is over four years old but they are reporting it on the credit report like the debt began in 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 2020-05-18
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX Is reporting a collection account totaling {$1100.00}. Per the documents that they have provided they purchased the stat from XXXX XXXX and the debt was charged off by XXXX XXXX on XX/XX/XXXX. I have requested a complete transaction history to support the amount they claim I owe and to date they have been unable to provide it. Further, they are reporting an account open date of XX/XX/XXXX but the actual death occurred before XX/XX/XXXX Per the document that they provided. It is my understanding that Credit Card Debt has a statute of limitations of 4 years. Per the document they provided from XXXX XXXX the actual debt is over four years old but they are reporting it on the credit report like the debt began in 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