BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-06
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:
inaccurate information, no knowledge of accounts, FTC violations

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 2018-03-07
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I was about to secure a mortgage. I have memberships with XXXX  and XXXX.

On XX/XX/XXXX My XXXX credit score listed at XXXX.

On XX/XX/XXXX, I received an Alert that Discover lowered my credit Limit.

I logged into XXXX and found out Discover lowered my Credit Limit from {$16000.00} way down to {$3300.00}. This had a negative impact on my credit to ratio raising it from 33 % to 39 % As a result my Credit score with XXXX, XXXX and XXXX  dropped 19, 27 and 24 pts ( see attached ), I believe Discover received an inaccurate credit report on me. I did have an issue with a XXXX XXXX   account reporting as 60 days late.But that was resolved quickly and properly updated.

I am requesting Discover reverse the credit limit decrease since it used inaccurate information.

But even with the inaccurate report the Discover likely used, I have to ask if my limit decrease was in line with others of similar credit history. I mean a drop from {$16000.00} to {$3300.00} when I have never been late with Discover. Only used about 10 % of my available credit with Discover and my credit score even with the inaccurate reporting was still around 630 However, I do have another concern : Due to the recent political atmosphere I have experienced discrimination as a result of my name XXXX XXXX the stigma from people and corporations assume I am or was a XXXXXXXX XXXX. This could not be further from the truth and for the first time in my life I feel like I have to begin defending my heritage.

Therefore, I would like to address that : I am a 2nd generation American citizen, My father was born here, my Mother is XXXX and XXXX.

My father, who grew up poor, worked his XXXX off and became a successful XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

I followed my father as a XXXX XXXX but also expanded as an XXXX.

My wife is also XXXX and I have XXXX   beautiful ( XXXX XXXX ) daughters.

I own 3 homes : which I built Primary residence : 1. XXXX XXXX XXXX XXXX XXXX XXXX Value {$700000.00} and only owe approx. {$150000.00} 2. My lake house : XXXX XXXX XXXX XXXX   XXXX  XXXX  Value {$800000.00} ( I owe {$210000.00} ) 3. My vacation condo in XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  Value {$460.00} ( I owe {$190.00} ).

I own the following companies : XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX.

MY XXXX  page is under : XXXX XXXX ( where I network all my businesses )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Resurgent Capital Services L.P.
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:
I am XXXX years old I have lived in XXXX XXXX XXXX Florida since 1974 when my husband and i was XXXX here at XXXX XXXX. i have never lived in Georgia. And that is where this bill originated from. I have always paid my bills on time and paid them off and this is in my 3 credit Bureaus, there are only 2 discrepancies on my report coming from  Georgia. 
This is Fraud, I filed a police report 6-7 years ago with the XXXX County police department, I do not have that now, the man was arrested and charged. I applied for help with my citizenship he took my money and information along with others. I sent this company a notarized Affidavit stating this and they still want to harass me for something that is not mine. I asked for proof, such as a signed contract, ID showing that I did this, nothing but statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I opened a {$6000.00} line of credit with XXXX flooring on XX/XX/2018. I was told I would not have any payments due until the next month. Initially, my account was supposed to be with XXXX XXXX, but it was changed to XXXX   without my permission. I was against this from the beginning because of the negative consumer reviews on XXXX, but could not afford to pay off the entirety of the loan at that time. I received a bill the next week from XXXX. When I called questioning the month grace period, they said I had opened the account just before the start of their billing month so I would be responsible for the immediate payment. On this call XXXX, I confirmed the last day I could pay the balance on full to avoid the 29.9 % APR. I was told I needed to pay the full balance by XX/XX/2018. I made regular payments greater than the minimum amount due. When I called on XX/XX/2018 to pay off the {$1500.00} balance in full, I was told I had accrued an extra {$490.00} in interest. At no point was I verbally made aware of the interest charges, the date I would start receiving interest, the fact that residual interest would be charged, nor did I ever sign any documents from XXXX acknowledging these agreements. XXXX has not worked with me one bit on any of these charges. The fact that they tout themselves to individuals with less than stellar credit as a way of getting out of debt is shocking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a call from a XXXX number that left a voicemail. The voicemail states that I committed a crime by actively deceiving a financial institution and that a complaint was filed. That if I did not respond it would mean my automatic refusal. I called the number back and a XXXX XXXX answered. He looked up my number, and asked if the information was correct. then he stated he was an arbitration officer and that they were asked to arbitrate an agreement for payment of a debt, and that I had to make payment arrangements today. if I did not then they would file a suit against me. when I asked for written validation he stated that they were not able to do that without me making a payment. He said he could not send anything in writing until he had my credit card information and a payment was arranged. When I asked for further information he repeated the same. he said I was not allowed to contact the original creditor at all. when I requested that he allow me time to validate the debt with the original company and to validate his right to collect such debt he said that they would have my drivers license suspended and have my car registration renewal blocked if I did not get this handled today. He never once identified himself as a debt collector. never once said the call was recorded. never truthfully identified himself. he refused to validate anything in writing. now when I call the number back it goes to a busy signal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Bread Financial Holdings, Inc.
State: SC
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:
There seems to be a duplicate account on my credit report from Comenity Bank/Victoria Secret. I have one account with Victoria 's Secret and I am trying to understand why my credit report shows two accounts with Comenity Bank instead of one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: National Credit Systems,Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent a certified letter to national credit systems inc. on  XX/XX/2018 the letter demanding the information below ; : Your reference number : National Credit Systems # XXXX To Whom It May Concern : Per the FDCPA I demand validation of any debt you claim I owe your company and demand you provide me with all of the following ; 1. You have purchased or were assigned the debt and provide full chain of assignment.

2. The amount you paid for the debt 3. The full accounting of the transaction history ; every charge, every interest charge and any other charges and fees, and the date ( s ) on which they occurred, for the entire life of the alleged debt.

4. That the debt is not time barred 5. Original Contract between myself and the Original creditor with my signature and an authorized signature from an employee of National Credit Systems, all pages, both sides, or a certified copy 6. Original Contract between myself and National Credit Systems with my signature and an authorized signature from the employee of National Credit Systems, all pages, both sides, or a certified copy.

I do not believe I owe your company anything and dispute I owe your company anything. Pursuant to the FDCPA, you are immediately stop all collection activity and delete ant reference of this alleged debt from my credit report ( s ).

Under no circumstances do I authorized you or give your company consent to furnish any information to my credit report ( s ) nor take any action that would result in an inquiry on my credit report ( s ) from your company.

Provide to me, in writing, the demanded validation information listed above. If you can not provide everything you are to immediately and permanently delete all reference of this account from all of my credit report ( s ) and send me confirmation this has been done.

They responded with a lease that was auto signature Which is not my signature. They did not provide all 6 documentation that I needed. I sent them a fraud packet along with my lease, drivers license and police report and they still stating that its verified without showing any proof that I owe National Credit Statems. I am demanding for this to be deleted right away

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Merchants Acceptance Corp
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am having issues about Merchants Acceptance leaving a charge off on my credit report that should not be on there I am paying this company every two weeks in the amount of XXXX which they are reporting one as in good standing and then stating I had a charge off on another which I did not as I am paying for only one item and I pay every two weeks and have bank statements to show this. XXXX tried to get them to remove it with the proof I sent over and they said no they would not even though I am current on all my payments. The product I also got from them was faulty and even started my carpet on fire I called them several times to come get it before I would owe for it and they never returned my calls. This information needs to be taken off my credit report as it is not a charge off it is an account that I am paying for. See below Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Sales Contract Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$1900.00} Balance Updated XX/XX/XXXX Original Balance {$3500.00} Monthly Payment - Past Due Amount {$1900.00} Highest Balance - Terms 36 Months Responsibility Individual Your Statement - Comments - Contact Information XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - Equifax Data Breach ) ... 
@ @ @ @ @ EQUIFAX/XXXX/XXXX @ @ @ @ @ XXXX XXXX XXXX XXXX : XX/XX/2018 Amount : {$580.00} ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 Amount : {$380.00} ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 Amount {$2900.00} ( Fraudulent Account )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/21 I was on XXXX website to purchase plane tickets. At checkout I was offered to apply for the credit card. With the card came a statement credit plus bonus points. Also it would be 6x the points so I agreed and filled out for the card. It was approved. I was supposed to be redirected back to checkout where the card information would be inputted in the spot to pay. That didnt happen. I called customer service. They said they could not give me my card number but said not to worry about it. Pay for it now with a other card and when I get my new card they will switch it over. They said they do it all the time, no problem. That day came and they denied it saying they could not do it because I paid with points. It did not say that anywhere and I tried not to pay with points seeing it was only {$20.00} but their website was such a mess i could hardly get through to put my order in.

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 2017-11-04
Company: Experian Information Solutions Inc.
State: WA
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:
Conformation # XXXX I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of FCRA-they are required to " promptly delete all information which can not be verified '' that i have disputed. please resolve this manner as soon as possible. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Conformation # XXXX I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of FCRA-they are required to " promptly delete all information which can not be verified '' that  i have disputed. please resolve this manner as soon as possible. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Experian Information Solutions 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:
XX/XX/XXXX I reached out to XXXX to inform them that the account that they are reporting under my social is a result of identity theft. XXXX informed that they would investigate the matter and get back with me. Not only have they not gotten back with me they never blocked it from my credit file as requested and they have never sent validation as they should in the beginning before inserting into my file in order for me to dispute the validity. I have never dealt with XXXX  or the company XXXX XXXX whom they represent. The amount of XXXX is not an obligation that I have ever had to owe to either company. Account XXXX does not belong to me and I demand that it be removed immediately or I will be forced to pursue legal action within the next 15 days. 
They have never even reported to the CRA 's that I disputed this information as it is on record here with CFPB.

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 2017-11-04
Company: Experian Information Solutions Inc.
State: WA
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:
Report number : XXXX I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly remove/delete all of the information which can not be verified '' that i have disputed. Please resolve this manner as soon as possible. 

thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase credit card has not given me protection on services rendered on a particular dispute I opened with them. XXXX XXXX failed to deliver my bags for my wedding in XXXX and ruined my whole wedding and vacation. We had to cancel the wedding due to this. I opened a dispute and chase is saying that XXXX XXXX is not responsible for my bags and that they only sold me a ticket to fly. I sent them proof that the ticket was purchased with one luggage and they are refusing to side with me on the dispute. Please let me know what I can do about this matter as it is very serious to me. They are saying that they are only responsible for getting me there, and not my bags ... This was not disclosed to me and the whole purpose of this particular trip was for a wedding which didn't happen because they didn't deliver the bags on time for the wedding which had the tailored tux and dress in it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This complaint is in reference to a previous complaint of inaccuracies on my credit file with XXXX XXXX # XXXX After receiving my XXXX XXXX  credit report, I have noticed that there are still extensive inaccuracies still not corrected on my credit file. egregious and erroneous errors on my consumer have led to me being denied being able to access credit. I now know it is my right to have inaccuracies corrected. account type detail, date opened, balance, term, past due amount, payment status, last reported, last active and last payment. All of these are vastly inaccurate, and this is after XXXX transunion/ XXXX XXXX/ XXXX XXXX  complaint and these still appear on my consumer report.

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 2018-11-06
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was in a car wreck on XX/XX/XXXX when I was hit by a driver who said he fell asleep at the wheel. I have been dealing with his insurance company XXXX to have them send the payoff check to Santander consumer USA. The check was sent off on the XX/XX/XXXX and has still not been posted by Santander. Ive called Santander each day and they are rude and unhelpful. The car was totaled and Im waiting on them to post the lost check from XXXX so I can get a new car. Im very frustrated with Santander and they are not providing me any information on getting my claim resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I've requested several time with XXXX XXXX my servicer a mortgage modification based on my XXXX income. XXXX XXXX has been unwilling to reduce my house payment and has been very difficult to work with. I don't want to loose my home to foreclosure. 

XXXX XXXX refused to provide details on a repayment plan that was recently offered and they were also going to make a {$50000.00} Private mortgage insurance claim. My new mortgage payment was going to remain the same and I my mortgage payment was increased including my escrows being short.

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 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There are inaccurate items reporting on my credit and I contacted these companies over 90 days ago about it and nothing has been resolved ... ..

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