BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: TD BANK US HOLDING COMPANY
State: TX
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:
I have a Target Credit Card and my credit limit is never increased when I make a payment only until I call and have them verify with the bank that the payment has gone through. I would completely agree with that, but currently I am waiting on payments to reflect to my credit availability going on seven working days. I have discussed this with Customer Service and they refer back to Target Credit Card Agreement which states " We may delay restoring your available Credit Limit in the amount of the payment to make sure we receive the funds. '' However, when I ask what process that is used to ensure my funds were received, they can not answer that question, but become insistent that we do a conference call to verify the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2019-11-19
Company: EQUIFAX, INC.
State: TN
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/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Equifax Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal

of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 21 credit inquiry/inquiries that I did not authorize.

I writing to dispute the following inquiries and asking for their removal from my credit report. The inquires, and proof of my identification, and address is below all of this. 

XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX   XXXX XXXX Inquiry from XX/XX/2019 XXXX - Card Service Inquiry from XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX  XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX  XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/2019 XXXX XXXX, XXXX Inquiry from XX/XX/2019 XXXX   Inquiry from XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2019 XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX  XXXX, XXXX  Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am in the process of refinancing my mortgage. I pulled my XXXX credit report and discovered my credit scores dropped from XXXX to XXXX. Upon further review of my credit report, I discovered that on XX/XX/2020, XXXX sold a {$78.00} medical debt to : Credit Collection Service P.O. Box XXXX XXXX MA XXXX Credit Collection Service reported a {$78.00} unpaid medical bill ( for lab results ) to XXXX. I reviewed my  XXXX invoices to try and match the Account/Invoice numbers with my XXXX invoices, and could not find a match. On XX/XX/2020, I called XXXX at XXXX Billing and spoke with XXXX. I gave XXXX the Invoice # s and amount owed XXXX {$78.00} ). I stated that it is a violation of the HIPAA law to report outstanding medical debt, and asked why it was reported to XXXX credit bureau. XXXX checked and could not find a match. She also stated they didn't care about violating HIPAA laws and that they report everything, a instructed me to call the Credit Collection Service. I have left messages on XXXX.20 and XXXX20 and have not received a return call. The Lender ( XXXX XXXX ) will not proceed with my refi until the debt is removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I've requested XXXX  XXXX XXXX to dispute the negative, derogatory past history on my account being that the account is current and any issues were satisfied. However they refuse to do so.

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 2017-12-01
Company: Chrysalis Holdings LLC
State: MT
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Am trying to get a home mortgage. Through XXXX XXXX XXXX. I started around the first Of XXXX. They had XXXX XXXX do Appraiser on my house. On XXXX/XXXX/XXXX. He toke a 5 bedroom, two bathroom house. turn it into a 3 bedroom 1 bathroom house. I have full basement. Down there is 2 bedrooms and a bathroom. He said that the bedrooms are as follow. One is study and the other one is a den. Both of them have a bed in them. I tried to tell I called the XXXX XXXX XXXX XXXX. About the mistake and they wont lesion to me. The house when I bout was XXXX. And I went through XXXX XXXX XXXX. When I remortgage the house through XXXX XXXX XXXX. And Low VA Ratees. It was XXXX. Now with New Day Financial with 3 bedrooms and 1 bathroom. They are telling me that my house is now XXXX. That is lower then when I got the house and with the remortgage. This is a 5 bedroom and 2 bathroom. Am tried of trying to get them to change it to the 5 bedrooms and 2 bathrooms. They just wont lesion to me. NO one should go through New day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Debt Recovery Solutions, LLC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX my XXXX account was sent to collection for nonpayment. It was eventually settled and the account was paid for less than the full balance to Debt Recovery Solutions LLC. Debt Recovery Solutions LLC. stated and posted the date of the debt as XX/XX/XXXX, this is incorrect. The date of the original debt is XX/XX/XXXX. It is still on my credit report as a result of this error and it should be removed from my credit report as it is beyond the reporting time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: Duvera Billing Services, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had a costly auto repair. The repair shop I took my vehicle to listed XXXX as an accepted form of payment. I applied online in XX/XX/2019 because I thought I had a fair credit score. I was approved for an amount that exceeded the cost of the repair, the amount was {$1500.00}. I have since made twenty three payments totaling {$2300.00}. The payment amount to payoff the remaining debt is {$1300.00}. The interest rate is 151 %. I currently make payments biweekly of {$100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: DISCOVER BANK
State: CA
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:
On XXXX XXXX, XXXX I was approved for a discover credit card for students. As a newly adult attending college I figured this was the best card with the best opportunities for college students. I was excitedly anticipating my card getting delivered and it was received today on XXXX XXXX, XXXX. I called to activate my card since I could n't online, they passed me through several departments and the last one I spoke to was a women with a southern accent, I however did not remember her name. The minute she answered me she began to misgender me. She referred to me as Sir and Mr.. I was quite offended and my cousin being in the same room as mine and overhearing what was happening looked concerned. She ended up taking the phone from me and correcting the women, telling her to refer to me as Mrs or Ma'am, because I am in fact a women. The women on the line got very quiet, I proceeded to take the phone back and attempt to continue to activate my card because I no longer wanted to speak to her and wanted to get this over with. She then said she was going to call me back with the number I had provided on my application and I never received a call. I called Discover back and they said my account was being reviewed. I understand the confusion that comes from hearing two different voices, however she clearly misgendered me and threw me completely off balance. I have never been misgendered over the phone and I will continue to be offended until I receive a formal apology and proper help to activating my account. Now my activation has been delayed for another 2 days and I will be expected to be on their schedule when my own schedule is already filled with school and work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
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: Problem with personal statement of dispute

Complaint:
I've contacted the company several times in writing to remove any negative data on the account dating back to 24 months being that all accounts are now satisfied and current. 
There is still no response and no change to the status and credit report is still reporting negative activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company, which I hold no contract with nor no longer services with reported a collection account against my SSN in the amount of {$300.00} with XXXX  XXXX XXXX and XXXX XXXXredit reporting agency. The business can not provide verification of the debt and account. Considering this business does not have a contract with me for goods or services they have provided nor can they provide adequate proof I am not obligated to pay for the alleged debt.

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 2019-05-22
Company: ARS National Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received multiple phone calls from ARS National Services. They have repeated called my friends and family. I asked them to send me a debt validation letter in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 have recently reached out to Transunion to add a fraud alert on my credit report due to the following reasons Unauthorized Credit Inquiry ( s ) I am XXXX them to inform that the hard inquiries were not authorized by me and I wish to have them deleted. Some person or persons within their consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX. 

Since I never gave permission for anyone to inquire about my Credit Status, they are unauthorized. Furthermore, their continued existence on my Credit Report represents inaccurate information, which under the Fair Credit Reporting Act, must be removed. 

XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX  Inquiry Date XXXX/XXXX/XXXX XXXX XXXX XXXX Date XXXX/XXXX/XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX  XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX As I am sure you are aware, Section 1681 ( r ) of the FCRA prohibits such acts and provides for the following sanctions : Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency 's files to a person not authorized to receive that information shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. 

This letter shall further serve as demand that your agency thoroughly investigate this matter and provide me the result of your investigation forthwith. Moreover, I expect your agency to immediately cease all such communications to unauthorized third parties.

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 2021-09-09
Company: Experian Information Solutions 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:
For bankruptcy public records collected through XX/XX/XXXX, Experian obtained information about bankruptcies from a third-party vendor, XXXX. Due to an error on my credit report, the bankruptcy was found to not belong to me and someone of a similar name. On XX/XX/XXXX, I filed a dispute to omit the erroneous bankruptcy of my credit report. The bankruptcy came back on XX/XX/XXXX as " Verified '' although there is no Bankruptcy on my XXXX XXXX Consumer Report and a court-sealed certified document showing a name that is not mine and dates that contradict when the bankruptcy was served and filed ( Certificate of Service ). 

After providing sufficient evidence that the Bankruptcy is not mine through Court Sealed documents and my XXXX XXXX Consumer report on XX/XX/XXXX through USPS tracking number XXXX, Experian verified the Bankruptcy as Verified XX/XX/XXXX despite no Bankruptcy ever being on my XXXX XXXX Consumer Report & not properly citing who is the furnisher of that information. This is report number XXXX and 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 2018-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am writing to the Consumer Financial Protection Bureau in regards to Transunion 's Inquiry Issue. I have tried to reach out Transunion Credit Bureau on this situation and in regards to the rude employee they refused to address my situation as I am a VICTIM of their said Inquiry Issue, They also refused to delete the hard inquires. And all I ask is for them to take responsibility and do the right thing.

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 2020-05-06
Company: Experian Information Solutions Inc.
State: NJ
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:
ALL OF MY CREDIT REPORTS HAVE NOT BEEN UPDATED AS OF XX/XX/XXXX MY CREDIT SCORE IS REFLECTED BY NOT REMOVING PAST ACCOUNTS I HAVE PAID DOWN DEPT AND IT IS NOT REMOVED FROM MY CREDIT REPORTS I AM TRYING TO GET OFF OF A ADJUSTABLE MORTGAGE BUT KEEP GETTING TURNED DOWN BECAUSE OF A LOW CREDIT SCORE.

IN XXXX I SUBMITTED A COMPLAINT TO THE CFPD AND IT WAS INVOLVING ANOTHER MEMBER OF MY FAMILY AND THE THE TRACES OF THAT COMPLAINT HAVE BEEN CLOSED BUT TRACES OF THOSE ACCOUNTS STILL ARE ON MY CREDIT REPORTS.

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 2018-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 contacted XXXX XXXX as well as the credit reporting agency on several occasions requesting verification, the method of verification, as well who completed the verification. I have made the request on several occasions in writing. I have also requested this company to complete an investigation into this matter on several occasions in writing as well. the Company. In my request I have asked this company to investigate, verify, validate and provide me with specific information that supports the information reported and the company only sends me a reply stating they investigated and verified the information but has FAILED to provide me with who completed the verification/validation, what was used to verify/validate the information, yet they have continuously reported the information on my report. The companies most recent response to my request was no different than its 3 previous responses.. I have disputed this matter on several occasions and due to the fact that this company has already violated my rights and ignored all previous requests that I have made in writing and have even not even responded but did not complete the request that I have the right to make and fell withing FCRA guidelines. I am requesting IMMEDIATE removal of the account from my credit report immediately/ INDEFINITELY and requesting that they cease and desist all collection efforts INDEFINITELY.

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 2018-02-01
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back on XX/XX/XXXX XXXX  accidently added a tablet to my account and they told me XX/XX/XXXX that it was removed and now a collection agency want to collect and place a item on my credit burear account.

DIVERSIFIED CONSULTANTS INC XXXX  Florida

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01
Company: Optima Recovery Services LLC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX the XXXX XXXX I sent a debt validation letter to the collection agency to get a debt validated that is correctly showing up on my XXXX and XXXX credit report. I disputed because I dont believe the debt is mine. On XXXX XXXX, XXXX I received a letter in the mail stating that they didnt have enough information to validate this debt is mine and they sent me a bill for a XXXX dollars with a stamp that says this is an attempt to collect debt which they did not verify but sending a bill I sent a copy of my driver license to prove who I am. By law I thought if they couldnt validate then it must be removed. I am very upset because this is ruining my credit worthiness.

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