BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed my consumer report and noticed a collection account on there that is invalid. I. C SYSTEMS is reporting on my consumer reports that I owe them an alleged debt. I sent them a letter via certified mail to ask for validation of this debt and it was delivered on XX/XX/2023. They have not responded to this. Again I will ask them for the forward flow agreement NOT BILL OF SALE. I also asked for proof of contract that I have with I. C SYSTEMS and finally I revoke any implied consent for them to be reporting to my consumer report and having my personal identifiable information. No consent is identity theft. I demand that I. C SYSTEMS immediately delete the false, inaccurate, and illegal reporting of 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 explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want full validation of the accounts listed above including the originally signed contracts with my signature if you can not verify the accounts you must remove the accounts under FCRA Laws. 

Thanks

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 2023-07-13
Company: JPMORGAN CHASE & CO.
State: MA
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 tried to increase my credit limit on my XXXX XXXX XXXX Card ( with Chase ) multiple times but it has been denied almost every time. 
They gave a very awfully low credit line of {$1000.00} on my card. Because of this credit limit, I couldnt even buy my favourite products from XXXX during the XXXX XXXX XXXX Sale ( XXXX XXXX ). It is an irony that I can not use my XXXX XXXX card on XXXX days to buy products off XXXX. 
This credit limit is the least of any credit cards I have and Chase wont increase for some non-concrete reasons. 
They dont even try to listen to customers perspective and just keep denying extra line of credit. My monthly income is three times more than Chases credit limit. It is that meagre. 
I believe that Chase treats me unfairly and is discriminating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 was notified by two credit monitoring services that there had been a hard credit inquiry on my Transunion profile. I contacted the inquirung company, XXXX XXXX XXXX, and told them this was fraud. They stopped processing the application, but will not automatically remove the inquiry from my credit report. I subsequently contacted Transunion and placed a fraud alert and credit freeze on the report. 

The next day my mail carrier left a card in my mailbox informing me my mail was on hold until the ned of the month. I then went to the P.O. and informed them that I did not place the hold. They then removed the hold. 

I have taken steps to protect my credit, but my concern now is to have XXXX XXXX XXXX  remove the inquiry from my credit 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 2023-07-14
Company: BARCLAYS BANK DELAWARE
State: OH
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:
Over {$11000.00} was added back to my account and Barclays attempted to extract a minimum payment of {$1500.00} from my private checking account. When I saw that wasn't going to clear, I had to put a stop payment on the {$1500.00} charge ( costing me fees from my Credit Union ). Then because Barclays attempted to put it through twice, Barclays hit me with XXXX {$40.00} returned check fees and a late payment fee. I had made an early payment on XX/XX/XXXX of {$150.00} ( close to twice of what my minimum payment should have been and the payment was not due until XX/XX/XXXX. ) Then, Barclays abruptly shut off my credit and unbeknownst to me, lowered my credit limit to slightly above the new balance. If that was not enough, my credit report was affected and my XXXX score shows an XXXX point drop ( solely due to this. ) I had no late payments on my credit report before and my credit capacity was high. Now it is showing a late payment and overbalance. I just don't know how to remedy all this and get it back to where it was before all the previous complaint happened. How can this company even make this right at this point? I'm sure they will figure it out, remove the extra charges and hopefully reinstate my full {$9600.00} capacity, but they can not fix my ruined credit report. 

I have now lost credit capacity on another card as well solely due to this whole debacle.

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 monetary relief
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-16
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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX Inquired on XX/XX/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 2023-04-20
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I got square card reader becuase my biggest customer wanted to start using there cc. So I got it I tried it I charged a small amount it worked fine. Then I let my customer use there card and it was a large order. XXXX plus bucks maybe small for you but everything I had. Then square said I needed all these things business numbers tax numbers I gave them everything they wanted even down to my customers names and phone numbers and email addresses. Then they said all looked good they said XX/XX/XXXX they would deposit it into my accounts. It didn't happen they Then sent me a email said they will send me my money in XXXX so im done my business is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, 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 urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: NJ
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 was a victim of fraud in the spring of 2022 when my SS number my address and checking and savings account were I infiltrated by a payday loan company. I found out that credit accounts were open on my name when I went to apply for a car loan I then filed a victim fraud alert with the government I sent a copy of the fraud alert to all three credit bureaus, along with my ID and a letter requesting the credit bureau to block the information pertaining to the fraud. Equifax is refusing to block the fraudulent information. 
A fraud report was also sent to my bank they investigated and I closed my checking and savings account. This report was also sent to the three credit bureaus This is so frustrating to me.. I feel like I have been volatile and have no rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: SYNCHRONY FINANCIAL
State: AZ
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1100.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: MO
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:
Request for Deletion of Closed Account from Credit Report I hope this letter finds you well. I am writing to bring your attention to an item on my credit report that requires immediate attention. The purpose of this correspondence is to request the removal of a closed account from my credit report. 

XXXX I recently obtained a copy of my credit report and was disheartened to find that this closed account is still being reported. Although this account was closed. it continues to have a negative impact on my credit score and overall financial standing. 

I would like to emphasize that this account was closed in good standing and all associated obligations were fulfilled as per the terms and conditions outlined by the creditor. Consequently, it is only fair that the presence of this closed account on my credit report be rectified to reflect an accurate representation of my creditworthiness. 

In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and take prompt action to remove this closed account from my credit report. Please provide written confirmation once the account has been successfully deleted. 

I have enclosed copies of supporting documents, including statements, correspondence, or any other relevant information that may assist in the resolution of this matter. 

Thank you for your prompt attention to this request. I have faith in your ability to handle this matter efficiently and ensure that my credit report accurately reflects my financial standing. Should you require any further information, please do not hesitate to contact me at the address or phone number provided above. 

I look forward to your positive response and a swift resolution of this issue. 

Thank you for your time,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: MA
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:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX I am fling this complaint because there are several inaccuracies on my credit report regarding the account listed above. Please have the company reinvestigate this and removed from my credit 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 explanation
Consumer complaint received 2023-05-24
Company: SANTANDER HOLDINGS USA, INC.
State: IL
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:
Im a victim of identity theft and because of that theres been car leases/ loans, internet/ cable, a lot of negative inquiries and multiple collection thats accumulated, which none are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: FL
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 recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. 

You never had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place. 

In addition to the many violations, XXXX is NOT the original servicer of the XXXX Accounts # XXXX. That makes them a third party debt collector under the FDCPA. It shows the accounts are Paid in Full ( PIF ) which means these student loans were paid in full by an insurance claim filed by the lender or guarantor agency. It was paid via insurance. 

XXXX has also failed to properly secure and safeguard personally identifiable information for more than XXXX XXXX borrowers, including myself during a recent data breach of its servers.The particular PII allegedly included my addresses, email addresses, phone numbers, and Social Security numbers. The complaint argues that the release of that information resulted from XXXX ( XXXX ) failure to secure the data, ( XXXX ) failure to comply with industry standards, ( XXXX ) unlawful disclosure, and ( XXXX ) failure to provide adequate notice of the incident. 

What I am demanding right now is that you guys delete the multiple XXXX Accounts # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
As of XX/XX/2022 I tried reaching out several times and filling disputes with XXXX and Transunioin to update my loan balance to reflect XXXX dollars.

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 2023-04-20
Company: EQUIFAX, INC.
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion Credit Bureau is showing that I have missed XXXX  months of payments and am behind over {$4000.00} worth of payments to XXXX XXXX XXXX XXXX in XXXX XXXX Missouri. This is completely false my loan with XXXX XXXX XXXX XXXX was paid off in full months ago and XXXX XXXX XXXX XXXX will gladly tell anyone that. XXXX claims they do not know how the error happened. I filed a dispute with Transunion about the report on Approximately XX/XX/23 and XXXX XXXX XXXX XXXX also disputed the false report yet Transunion has yet to correct my credit report. In the mean time my credit score has gone down substantially and I have lost credit. XXXX XXXX took {$800.00} of my credit line away and XXXX  has capped my credit at {$700.00} my credit history with those companies is excellent. 
I have never in my life been late on any car payment. I purchased XXXX cars from XXXX XXXX XXXX XXXX and paid them all off early.

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 2023-07-10
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:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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